davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WSFS FINANCIAL CORPORATION (AZ)

Subject : Follow-up Complaint Regarding Fraud and Continued Harassment Despite Prior Reporting Dear Consumer Financial Protection Bureau XXXX I am filing this follow-up complaint regarding my case as a victim of a " pig butchering '' fraud scheme. Despite my initial submission documenting this fraudulent activity, I am experiencing ongoing harassment from debt collectors associated with Wilmington Savings Fund Society ( WSFS ) for a fraudulent debt incurred without my authorization. 
I have submitted comprehensive evidence of my status as a fraud victim to the Consumer Financial Protection Bureau ( CFPB ), Financial Industry Regulatory Authority ( FINRA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the relevant credit bureaus. Despite this, collection activities have resumed, causing substantial emotional distress. I am urgently requesting assistance to halt these collection efforts and bring resolution to my case. 

On XX/XX/year>, I received a response letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, referencing information provided by XXXX. According to this response, XXXX claims that XXXX XXXX visited the branch in person XXXX times to initiate wire transfers. This information is inaccurate, as I only visited XXXX branches on six occasions, indicating that XXXX did not conduct a thorough investigation. This misrepresentation raises concerns about the quality of XXXX 's investigative practices and professionalism. Please see the attached letter for further details. Please review the enclosed documents that outline my previous submissions and communications with WSFS. I ask the CFPB to re-evaluate my case and provide guidance or direct support in ensuring my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws. I am providing XXXX wire transfer record as evidence. 
Thank you for your attention to this matter. I look forward to your assistance in stopping the continued harassment related to this fraudulent debt
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (TX)

I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). Additionally, I certify that I am authorized to initiate this disagreement under FEDERAL and STATE LAW. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, perjury is a crime under 18 U.S.C. 1621, which makes these lies punishable. My credit report contains a collection that has nothing to do with any purchases I've made. I claim that someone or some organization utilized my personal information without my consent to apply for products, services, or money and was successful in opening several accounts. The FTC is looking into everything.
Consumer complaint received 2023-08-01
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. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XX/XX/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
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (GA)

I am writing to formally contest an unauthorized inquiry into my consumer report conducted by Ally Financial on XX/XX/year>. This inquiry represents a clear violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : Unauthorized Access : As stated in 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ( i ), my consumer report was obtained without my consent or any lawful purpose. I have not engaged in any transactions with Ally Financial that would justify this inquiry.

Lack of Proper Certification : Under 15 U.S.C. 1681b ( f ), the purpose for accessing a consumer report must be certified. There is no indication that you complied with this requirement when obtaining my report. 

Consumer-Initiated Transactions : According to 15 U.S.C. 1681b ( c ) ( 3 ), inquiries related to credit or insurance must be initiated by the consumer. I did not initiate any transaction with your company that would warrant such an inquiry. 

False Pretenses : As outlined in 15 U.S.C. 1681n ( a ) and 1681q, knowingly obtaining consumer information under false pretenses can result in severe penalties. This inquiry appears to fall under this provision, as it was conducted without valid grounds. 

Liability for Noncompliance : Per 15 U.S.C. 1681n ( a ), individuals or entities that willfully fail to comply with the FCRA can be held liable for damages. I am entitled to either actual damages incurred or statutory damages of {$1000.00}. 

Given these violations, I hereby request the immediate removal of the unauthorized inquiry from my consumer report : Inquiry Date : XX/XX/year> Company : Ally Financial Additionally, I am seeking a settlement of {$1000.00} for the damages associated with this violation. 

I urge you to resolve this matter promptly to avoid further action. I look forward to your timely response. 

Payment Instructions : Check, Direct Deposit or XXXX
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In XXXX I asked that incorrect information be removed from my credit report. Under USC 1681 they are required to investigate and conduct it in a manner that isn't just speaking to the supposed creditor. They failed to do the investigation per the law and haven't removed any incorrect information. Now is not the time for another investigation or to verify. That time has come and gone. I request all incorrect and negative info be removed for my report in the next 10days or be forced to pay {$1000.00} for every incorrect negative error on the report If you want proof of dispute look no further than the complaint filed XXXX with the cfpb. I've waited the allotted time now I will take action
Consumer complaint received 2023-10-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Business Factors (NV)

Attempted to contact National Business Factor to pay off debts on my account, my wife was informed that we had new debt through this company and when she asked for debt verification she was denied, the representative stated if you havent received the last documents you wont receive these on a recorded line. Representative refused to take payment on accounts due that I have verified stating, its all or nothing we disconnected the call due to the representative noncompliance.
Consumer complaint received 2023-10-30
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. (CA)

Despite of my written request the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is the evidence that you can not and did not verify any of the disputed accounts like you said you did. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 

XXXX {$9100.00} XXXX {$4300.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX XXXX  {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I simply have tried repeatedly, by email and customer service phone number, to cancel this card. I continue to receive monthly statements, despite asking to cancel the account and the card. I have expended it completely and the balance is XXXX. I was issued the card by XXXX XXXX in order to refund a {$210.00} overcharge they errantly made- it was their mistake in the first place! 

When I called today ( the second time ) to customer service number on the card ( XXXX XXXX ), I was asked to give personal information beyond that I gave in activation of the card XXXX XXXX, 2022. Now, one year later, I continue to receive monthly account reports via my email. I have repeatedly tried to cancel it via email, too! Each time, a message told me I had to provide information well beyond that required to activate the card in the first place, a clear violation of privacy of customers. 

To show the gall of this company in giving me the run-around, I was asked what the make and model of my automobile is in today 's call. When I refused to continue this invasive and potentially fraudulent questioning, I was told I'd have to somehow send a copy of my government issued ID to cancel the account! I hung up once it was clear the attendant - XXXX ( she refused to give her last name, despite the assumption that I have no privacy rights, since she has all my info ) and others on the call- were just trying to gain personal information. I assume they plan to use the information for purposes I have not approved and are blackmailing me to turn over undue information in some form of bait-and-switch operation. The " scraping '' of personal information for resale or even directly intimidating/influencing me is a documented problem in artificial intelligence and other scams. 

Please ask the company - XXXX XXXX patient refund card, in association with Bank of America debit Visa, to close the account and stop sending me month statements that conceivably threaten my credit rating or ability to use other credit/debit cards for my needs.
Consumer complaint received 2023-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On the first of XXXX ( and actually a few more months before than ) I have been disputing the inaccurate reporting and findings on my report that arent mine and that are not 100 % accurate by FDCPA and FCRA regulations. The accounts that are reporting inaccurately are : XXXXXXXX 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-01
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)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these accounts ASAP.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I had opened a XXXX XXXX XXXX credit card in XX/XX/XXXX and I had missed two payments in XXXX and XX/XX/XXXX. The merchant chose to close my account and I paid the {$900.00} balance in full in XX/XX/XXXX. The information reporting on my XXXX and XXXX credit reports do not match and are not accurate at all. How can this be? This account has been closed for almost 8 years at this point and should not appear on any of my credit reports. 

-The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my XXXX and XXXX credit reports. 

-My line of credit was not {$600.00}, it was {$800.00}. 

-My highest balance was not {$410.00}. 

-Status updated can not both be XX/XX/XXXX ( XXXX XXXX and XX/XX/XXXX ( XXXX XXXX. 

I need this account removed from all credit bureaus as it is negatively affecting my ability to obtain new credit. I have addressed this with XXXX  XXXX XXXX and all 3 credit bureaus and no one has resolved this issue for me.
Consumer complaint received 2023-08-01
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
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)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$21000.00} XXXX XXXX XXXX 
Reported : XXXX XXXX, XXXX {$2100.00} XXXX Reported XXXX XXXX XXXX, XXXX {$1200.00} 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 2023-10-31
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)

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Consumer complaint received 2023-10-30
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. (MI)

XXXX POLICE DEPARTMENT SUMMARY INCIDENT REPORT REPORT NUMBER : XXXX INCIDENT INFORMATION XXXX XXXX FRAUD USE/POSS OF ID XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX LOCATION TYPE THEFT TYPE METHOD OF ENTRY PT OF ENTRY ENTRY LOC REPORT FILED FROM TRACKING NUMBER LOCATION OF OCCURRENCE INCIDENT CODE INCIDENT TYPE INITIAL SUPP DATE/TIME STARTED DATE/TIME ENDED DATE/TIME REPORTED XXXX XXXX APPROVED BY : METHOD OF EXIT PT OF EXIT PERSON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TYPE LAST NAME FIRST NAME DOB RACE SEX DRIVER 'S LICENSE LIC ST HOME PHONE WORK PHONE RESIDENCE ADDRESSEMAIL EMPLOYER NAME BUSINESS ADDRESS SSN ETHNICITY RESIDENT EYE COLOR HAIR COLOR AGE HEIGHT WEIGHT CELL PHONE *** *** MIDDLE NAME My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Fourteen fraudulent accounts unauthorized identity theft : 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 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 2023-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. two fraudulent accounts unauthorized identity theft : 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 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX SSN # XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Hi to whom this matter may concern. I recently pulled my credit report and discovered some errors reporting on my credit report. 

Please DELETE the following accounts listed below immediately. 

Ive included my TransUnion credit report as reference. 

Please see attached credit report. 

The following accounts listed below are all in error. 

Please Delete Collection Account : XXXX because it has been reaged. XX/XX/XXXX Please Delete Inquiry : XXXX via XXXX because it does not establish a firm line of credit. 

As you know, the The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

I really look forward to seeing that this matter be handled amicably. 

Thanks! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX