davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint regarding the fraudulent reporting of a debt by XXXX XXXX XXXX for an alleged account with XXXX XXXX XXXX I have never entered into any business with XXXX, nor signed a contract authorizing this debt. I strongly suspect that my personal information was compromised during the XXXX data breach, which has led to this unauthorized activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, my credit information can only be accessed or reported with a permissible purpose, which is clearly absent in this situation. This unauthorized debt reporting is a direct violation of my rights under the FCRA. Furthermore, under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions have a duty to protect consumer data. Given the XXXX data breach, it is clear that this duty was breached, resulting in misuse of my personal information. 

XXXX XXXX XXXX is also in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, as they are fraudulently misrepresenting a debt I do not owe. This is not only a violation of federal law but is also fraudulent activity, for which I demand immediate correction.

Additionally, under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, I have the right to dispute unauthorized and inaccurate billing practices. No legitimate business transaction, contract, or agreement exists between me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX making this collection unlawful and fraudulent. 

I am demanding that the CFPB immediately investigate this matter and force the removal of this fraudulent collection from my credit report. This is an egregious violation of my rights as a consumer, resulting from inadequate data protection during the XXXX breach. The companies involved must be held accountable, and this fraudulent activity must be stopped to protect me and other consumers.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Notice of Transaction Dispute and FCRA Compliance Dear XXXX XXXX, I trust this letter finds you well. I am writing to formally dispute a transaction on my account, as well as to invoke my rights under the Fair Credit Reporting Act ( FCRA ) to ensure a fair and accurate resolution of this matter. 
The disputed transaction is as follows : - Transaction Date : XX/XX/XXXX - Transaction Amount : {$350.00} - Transaction Description : Purchase Authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX -Dispute ID : XXXX I am aware that the FCRA, under Section 611, grants consumers the right to dispute inaccurate information on their credit reports, including transactions on their accounts. Therefore, I am formally disputing the accuracy of the aforementioned transaction and requesting a thorough investigation in compliance with the FCRA 's requirements. 
I have enclosed copies of relevant documentation in previous emails that support my claim of the disputed transaction. I am also aware of the FCRA 's provisions under Section 623, which require accurate investigation and prompt resolution of such disputes.

In accordance with the FCRA, I am requesting the following actions : 1. A comprehensive investigation into the disputed transaction.

2. Prompt correction of any inaccuracies found in my account records.

3. A corrected account statement reflecting the accurate transaction history.

Furthermore, I expect written confirmation of the resolution and correction, as required by the FCRA 's provisions regarding consumer notifications. 
Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation from my end. I am fully committed to cooperating in the dispute resolution process in compliance with the FCRA.Thank you for your prompt attention to this matter and for upholding the standards set by the FCRA. I am confident that we can work together to ensure an accurate resolution of this dispute. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (MI)

it is a  XXXX   bill that I d ropped off the equipment years ago to their office the lady said her computer was down could provide a receipt and now I am getting collection calls from this company of which I gave  XXXX  a  one  month notice that I was canceling my services and now my  credit score is d amamged because of this fake bill and collections threats from afni collection company docket number #  XXXX  please help and have them remove the fake collections on personal info, it is unfair to the consumer these people are allowed to do this without any documentation from  XXXX  ..cable company
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

At  Wells Fargo , I continually set up autopay to transfer payments from my personal checking to the  Wells Fargo  account. However, their online statement ( response ) after setting up autopay is that it takes several months for it to be invoked. During this period, they will call you and say that your payment did n't successfully work, and that you need to manually pay along with a late fee of {$37.00}. Therefore, every month they do this.      Wells Fargo als o states that the wrong account codes were used when setting up autopay, so they purposely setup the customer to pay late fees.     My guess is that  Wells Fargo  managers ( a ) instruct their staff to charge late fees no matter what, and also have setup their IT system to create transfer errors, due to the recent loss of capital from the class action suit over bad practice in mortgage accounting.
Consumer complaint received 2017-05-03
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. (GA)

XXXX   XXXX  is report account #  XXXX  as being recently late on my credit report. This account has been transferred to another government and currently being paid, so could it get late. The all student loan accounts at CURRENT!     This has impacted my credit score and dropped my score  XXXX  points! Please have this removed as the date on this information is incorrect as well. This has been closed and they are changing dates.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

In  XXXX    XXXX   I filed a dispute with Equifax because they were missing updated payment status on my   XXXX   XXXX   accts and my  XXXX   XXXX  account. Asked them to update this info correctly and fix my score accordingly. On  XXXX   XXXX    XXXX   I checked status and they removed all of my credit cards from my report completely and dropped my score by  XXXX  points. They also had my deceased mothers depts. added to my report which I requested they remove. Every month they are messing up my report and destroying my credit. I am constantly writing to them to fix this problem. I have been trying to rebuild my credit for a year now and have been doing well with all other agency 's except for them. I do n't know what else to do. When they do fix it, they add  XXXX  pts after they removed  XXXX  for same issue. They are hindering me from being able to get better cards with lower interest rates and from purchasing a new car.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (FL)

An account was originally opened with XXXX XXXXXXXX XXXX XXXX. This account first went delinquent in early XXXX. Payment history provided by Equifax shows the account as 90 days past due in XXXX XXXX XXXXXXXX. Despite this, Equifax lists the first delinquency date as XX/XX/XXXX, a clear contradiction to the payment history. The account was fully settled in XX/XX/XXXX. As of XXXX XXXX  this account is still reflected on my Equifax credit report, even though it has been more than 7 years since the original delinquency, thereby contravening the 7-year reporting rule as set forth by the Fair Credit Reporting Act ( FCRA ). 
XXXX : Account was opened with XXXX XXXX. 
Early XXXX : Account first became delinquent. 
XX/XX/XXXX : Payment history on Equifax shows the account was 90 days past due. 
XX/XX/XXXX : Equifax incorrectly lists this as the first delinquency date, which is inconsistent with the payment history. 
XX/XX/XXXX : The debt was fully paid off. 
XX/XX/XXXX : The account still appears on my Equifax credit report, in violation of the 7-year reporting limit under FCRA. 
A dispute was initiated with Equifax regarding the incorrect reporting and continued presence of this delinquent account. 
Equifax updated the account based on information from XXXX XXXX but did not correct the conflicting delinquency date nor did they remove the outdated account information from my report. 

I urge the CFPB to closely examine the inconsistent and potentially inaccurate reporting actions taken by Equifax and enforce appropriate measures to ensure compliance with the Fair Credit Reporting Act.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I 've contacted Equifax to tak e a Chapter   XXXX  bankruptcy off my report because i t 's over 7 years old. It  's actually over  10 years old fro m the original date. My ex-wide actually filed it and changed her mind and so it was dismissed with no accounts in bankruptcy! I 've asked them to remove this from my report because it 's so old and   XXXX   and   XXXX   does n't have it reporting at all. They also placed a date on it dating in  XXXX / XXXX /  XXXX   which means they are going to try to report it longer.   I received a letter in the mail asking/ stating that I could be apart of a class action lawsuit agains t Exquifax  regarding this bankruptcy reporting on my Equifax report. And I 've been research ing Chapter   XXXX  bankruptcy and every site says they usually only stay on credit reports for 7 years and it has been 10 years for this  XXXX .
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have contacted all the   XXXX   credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know Equifax and and   XXXX   has been in the news for some deceitful credit score numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.
Consumer complaint received 2017-05-03
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. (TN)

I have tried to resolve this issue with Experian and  XXXX .   XXXX   has deleted the incorrect entry on my credit report. There is an incorrect entry on my  XXXX  and Experian credit report for   XXXX   XXXX   It 's showing a charge off for {$19000.00}. This is not my credit card. I have provided all  XXXX  credit reporting agencies proof that this account did not belong to me. Only  XXXX  did the proper thing and delete the wrong information.     It sickens me that  XXXX  and Experian seem to be comfortable with knowingly reporting inaccurate information on my credit files. It almost makes me feel like they have something to gain by neglecting to do what 's required by law. Otherwise, I do n't understand why they have n't erased the entry. I never applied for that card, never signed a contract for the card, yet its on my credit report and they refuse to take it off even after I have proven to them it 's not mine.     If it continues to remain on my report 15 days after they receive this complaint, I will file suit in small claims court for damages as outlined in the FCRA.
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (AL)

First off I am a real person not a 3rd party person or company but I'm and a 2nd year LAW student who is studying consumer law so I know a little bit about what I'm speaking about. In accordance with the Fair Credit Reporting Act the following accounts are a violation of my rights under section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days upon notification from the consumer. It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. No consent is identity theft. FEDERAL LAW OVVERIDES any company policy! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

On XXXX XXXX, 2017, due to a error with a balance transfer I ended up paying the total balance owed twice resulting in a credit of {$9000.00}. After an interest charge, my final credit on my card was {$8900.00}. I contacted Citi Bank on XX/XX/XXXX, and requested that the credit be returned to my checking account. I was advised that this would take 3 to 5 business days. By XX/XX/XXXX, the money had still not been transferred. I again spoke to Citi who this time advised me that this would take 7 to 10 business days because the credit balance exceeded {$1000.00}. I would like to understand why Citi bank is allowed to sit on my money and why I was misinformed as to when they would return my money. My frustration is exacerbated by the fact that they had the credit balance for 7 days prior to me calling on the XX/XX/XXXX. If I am late by an hour, I am charged a late fee immediately. I do n't understand how they can keep almost {$9000.00} of my money for over 2 weeks.
Consumer complaint received 2017-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Executive Financial Consultants, Inc (KS)

I have been getting harassing phone calls and letter from  Executive  financial About a bill I had no clue about. I do n't go to  XXXX  usually and the time I did I had insurance. I spoke with a representative at Executive financial and explained to her that during the period this bill was generated I had insurance. She said that part of the bill was paid with insurance and the other part was n't and it was to late. I have   XXXX   XXXX   through the state. I was under the impression that all my medical bills was being paid. The representative said that after a year they can no longer send them back to the insurance company. This mistake on  XXXX  medical center has cause me so much grief, stress and heartache. I almost lost my house because I could n't get a loan because this debt is reportiong to my credit. Somebody over at   XXXX   medical center dropped the call and my bill was n't submitted in time to get paid within a year. I have spoke with several ppl in the office and I do n't get any resolution. I want this debt removed from my credit report. I went to the doctor and gave them my insurance information and they did n't submit it to  XXXX . Then almost 2 years later they RUIN my credit. I even called the company and asked for a fair payment arrangement and to have it removed until I pay it considering I NEVER KNEW ANYTHING about the bill not being paid. I thought my question for assistance was fair. I was n't treated fairly. I was n't treated like a consumer that lives in the same society as the collection company. I really would need to have this derogatory incorrect information off my name and my credit report.
Consumer complaint received 2017-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (AZ)

I got a loan in a  Furniture  store for my goods.   XXXX   XXXX   is the lender. Some terms in the contract were not clarified by the salesmen and finance company. like payment is twice a month and the amount of interest in the account is extremely high ; if the purchase was {$1000.00}, but total to pay off is around {$2100.00} ; it is the double for interest of original finance, this was not clarified at the time to sign, not include a discrepancy when pay if my payday is on  XXXX  and  XXXX  ; They put it in contract twice and the interest increase another %. By today (  XXXX  ) I have paid a total of {$1500.00}. Also I do n't have a clear chance to check my balance. Thanks
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
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. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing complaint against XXXX and TransUnion for reporting inaccurate information regarding Bankruptcy that they are reporting on my credit file. I sent them letter regarding my dispute and I received the results stating verified. They did not verify anything. The information they pulled is from a third-party reporting and that I was told from the Court Clerk they do not report along with attached copy of the letter from the court saying they do not report therefore it needs to be deleted.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Piggy  Back on  Closed   File  :  XXXX  In response to your information : -I Called on   XXXX   to discuss the fraudulent credit inquiry on   XXXX    . After I called and gave private information to your Call Center, I got another hit on   XXXX   - from SYNC - I then again called on   XXXX   XXXX  o gather information again to place a extended freeze on the account and when call the same call center to discuss this information, I noticed another fraudulent inquiry on  X/XX/17    - from  XXXX  - I call again on     XXXX   XXXX  nd provide my personal information via phone again and it again I have a fraudulent inquiry on the same day from  XXXX  I have called other places and provided my   XXXX   number via phone and no issue. But everytime I contact your contact center or  XXXX  bank directly per your advise to call the creditor to have them close out the fraudulent account, I get a wrongful inquiry on my account that same day or next day. Since it has happened  XXXX  times in a row, this provides me enough information to believe that somehow their is a breach between Transunion and  XXXX  transmission of personal and private information. You specifically provided the exact dates I called and if you review my credit report you will see an exact correlation of each time a call has been made and private information provided, a fraudulent inquiry through   XXXX   bank has been processed either that day or the next day -  XXXX  times with no gap between day of calling and the immediate result of a fraudelent act. This should be enough information for you to begin reviewing other open files involving   XXXX   bank and the fraudulent inquiries made and finding a pattern. It seems that everytime someone calls Transunion or  XXXX  and personal information/transmitted between  Trans  and  XXXX , that person private information is misused in another fraudelent inquiry from  XXXX  again.