davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Linebarger Goggan Blair & Sampson LLP (OH)

This is the second time this law firm has tried to collect a debt on an account that that was opened with my stolen XXXX. I received a letter today stating I owe {$550.00} for an utility account with city of XXXX XXXX. 

Actions taken : XXXX XXXX XXXX received letter stating i owe this debt a. The debt has driver 's license number XXXX- this in not my driver 's licesne number. 
2. Sent letter disputing it to firm 3. Filed complaint with FTC 4. Filed complaint with CFPB This law firm is well aware my identity has been stolen and that I have never lived in Texas. I have never opened any accounts in Texas. I have already opened a complaint with this bureau for another fraudulent account this firm is trying to collect on. In fact, they send all the requests for payment to my Ohio address, where it is easily verified that I have lived for nearly 20 years. I have been employed by the same company with an XXXX XXXX XXXX XXXX  for 20 years. I can produce an Ohio driver 's license. I can prove I live in XXXX, Ohio. 

This law firm can not and will not ever prove that I have ever lived or signed any agreemnt in XXXX XXXX or any other XXXX XXXX  because someone else did this. Yet somehow, they continue to pursue collectionst me.
Consumer complaint received 2022-11-14
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. (AL)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

These accounts are involved in litigation, I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume no knowledge of the collected debts, in fact exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$8100.00} XXXX XXXX XXXX  XX/XX/XXXX {$150.00} XXXX XXXX XXXXXX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2023-10-04
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

In XX/XX/XXXX, XXXX XXXX XXXX, XXXX ( XXXX ), a collection agency acting on behalf of its client, NAVIENT ( a.k.a " Sallie Mae '' ), had reached out to me with a settlement offer. Because Sallie Mae and Navient had a history of harassing me on a daily basis with non-stop robot calls morning, day and night, 7 days a week, I had chosen to make the sacrifice myself to be able to settle for the sake of my overall sanity. 

Please note that there were no other options that were previously made available or granted to me, rather, it was " take it or leave it ''. Despite of Navient, and also previously, Sallie Mae knowing of my consistent on-going hardships and inability to benefit, no other offers were made available or granted to me. 

It's important to note I had previously filed for XXXX  XXXX Bankruptcy in XXXX, which I then converted to XXXX  XXXX, where I listed Navient on the List of Creditors. This was all done in an attempt to provide myself which the much-needed relief of being under the protection of the Federal Protection code under Bankruptcy, due to the fact that no options were ever granted to me whatsoever, and also because I wanted relief from the on-going harassment.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-11-14
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-08-14
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (ME)

Back in XX/XX/year> I received a charge on our LL Bean Mastercard for {$230.00}. This was a surprise because our annual subscription was canceled back in XX/XX/year>. A dispute was opened in XXXX. The card company ruled in favor of XXXX who stated the charge was legit. The card company stated we needed to provide the cancelation date. XXXX was called on XX/XX/XXXX. They agreed that we canceled, but wouldn't provide a date and completely shutdown our account. Therefore we couldn't login online to provide a cancelation date. Again card company ruled against us. Their letter has been downloaded. Without cooperation from XXXX  and account access we can not provide the date service ended. Neither company is being helpful in resolving the charge. XXXX XXXX will not protect us from a charge and accepted a general statement that XXXX can charge us. In my opinion this is not proof of a legitimate charge. Also, XXXX canceled our account and has stopped sending us our quarterly packages, so a full annual subscription charge is incorrect. XXXX XXXX is trying to dodge their responsibility to protect cardholders. The attached letter states the cardholder has been ruled against because XXXX XXXX has no recourse to returns charges. This is completely false. Thank you.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (AZ)

Dispute number XXXX was filed for all charges to my account during the time of XXXX as I was imprisoned at the time. Someone got ahold of my XXXX and wallet including my debit and I'd cards and made multiple ( XXXX ) charges to my account totaling {$3000.00}. After filing the dispute the days later I get emailed saying the dispute was denied. So I filed an appeal also filed a police report also sent in papers from the court and a letter from my probation XXXX showing I was imprisoned and still they denied it.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (OR)

I saw on my credit report I have a collection account with the company Hunter Warfield of the amount of {$2700.00}. I have tried to contact them multiple times to find out who this company is and why I owe this collection. I asked them for a detailed report of this collection and I have not gotten any responses.
Consumer complaint received 2024-08-14
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. (RI)

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate. 

XXXXXXXX XXXX account number XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

EXPERIAN, XXXX XXXX XXXX IS IN VIOLATION OF INVESTIGATING A DISPUTE I requested to be investigated by mail. They claim someone else sent the letter so I am providing proof of identity or the third time. I demand Experian, XXXX and XXXX to investigate the disputes that were submitted by mail. I received a stall letter from your company and demand you continue to investigate my dispute or you will be further in violation. I have submitted all Documents already via mail. I am uploading them again for proof of identity. Please resolve this matter ASAP or a lawsuit will commence immediately
Consumer complaint received 2024-08-14
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  : Account Number # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX XXXX : Account # XXXX XXXX ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX ) Account # XXXX XXXX ) XXXX XXXX XXXX & Account # XXXX XXXX XXXX XXXX XXXX Account : # XXXX XXXX XXXX XXXX XXXX Account : # XXXX THE ACCOUNT I HAVE LISETD ABOVE has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-03
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: JPMORGAN CHASE & CO. (FL)

The late payment was done in error, however, they now say that they can't correct it because it is seven years old. I spoke with them in XXXX and was told it would be removed. 2 1/2 years later it is still there.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was unfairly charged three late fees. 
XX/XX/XXXX, XXXX and XX/XX/XXXX were the billing cycles that I was inaccurately assessed. I was also reported to the credit bureaus that I missed payments or they were late for the same said billing dates.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX and XX/XX/XXXX I Had 10 fraudulent charges on my account totaling over XXXX dollars. I filed a claim as 9 days later I received a credit. However Wells Fargo knowing my Debit Card was being used by someone other then myself never canceled or changed card numbers. Now my card has been used again without my permission for an online gambling site. I have used this site in the past however these charges were not authorized by me. I believe these fraudulent episodes in the month of XX/XX/XXXX were related and could have been completely avoided if Wells Fargo would have canceled my debit card number after the first fraudulent dispute I filed on XX/XX/XXXX I believe. I now have to go through this entire process again because Wells Fargo did not handle this correctly and help prevent this.
Consumer complaint received 2021-07-02
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. (FL)

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2024-10-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I do not have a contract with Portfolio Recovery XXXX, account # XXXX, and do not owe this debt collector the stated XXXX as reflected in the email correspondence they keep sending me, the consumer. The original creditor, XXXX XXXX XXXX, has charged off this account XXXX the following date : XX/XX/year>. This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-off is considered income, it must also be removed. According to IRS regulations, income can not be reported on credit files as they are considered a certificate of indebtedness and it is possible that a XXXX will be issued. I request assistance in reviewing the charge-off amount associated with the original creditor. I also request that an inquiry be made to the third-party debt collector, Credit control for actual verification and validation affirming that they have a contract with me bearing my signature. XXXX XXXX XXXX XXXX XXXX XXXX  by the Fair Credit Reporting Act have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the privacy rights. By providing misleading information, this has affected my ability to receive credit and I demand that this erroneous debt be removed from my credit file immediately.
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Re : Fraudulent Accounts Under Investigation for Identity Theft Account Number XXXX Account Number XXXX To Whom It May Concern, I am writing to inform you that the accounts listed under Fair Collections and Outsourcing ( Account Number XXXX ) and XXXX XXXX XXXX XXXX Account Number XXXX ) are currently under investigation for identity theft and inaccurate reporting. These accounts have been fraudulently opened in my name and have been reported inaccurately on my credit file to XXXX, XXXX, and XXXX. 

As these accounts are not mine, I have initiated an identity theft report in compliance with federal regulations, and I dispute any and all claims associated with these debts. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to have accurate and verifiable information reported on my credit profile. No verifiable documentation linking me to these debts has been provided, nor has any original account information with signatures or agreements been made available. 

Further, I invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and Maryland state law ( 14-202 of the Maryland Commercial Law Code ), both of which prohibit the attempt to collect a debt without proper validation or through deceptive practices. It is unlawful to pursue collection or report this debt when it is the result of identity theft and can not be validated with direct, original information. 

Therefore, I request the following actions immediately : Place both accounts under investigation as part of the identity theft report and cease all collection efforts until this matter is resolved. 
Remove the inaccurate reports of these accounts from my credit files with XXXX, XXXX, and XXXX. 
Provide written confirmation of the investigation and eventual removal of the fraudulent information from all credit bureaus. 
Failure to correct these inaccuracies will leave me no choice but to pursue legal action under the FCRA, FDCPA, and applicable Maryland state laws to enforce my rights and seek remedies, including damages for improper reporting and legal fees. 

I expect your prompt response within 30 days of receiving this letter, as required by law. I also request that the credit bureaus be informed of this dispute and investigation immediately.