davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CO)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I disputed a transaction made in the amount of {$440.00} on XX/XX/XXXX due to being double charged by the merchant. I showed the bank my initial form of payment which was made by a different card from a different company. I not only provided my receipt which shows my card details, but I also showed my transaction details from the other card. Wells Fargo, the bank that I filed the transaction through is not working with me at all at refunding the money. I provided them all the information I have access to showing proof of payment through a separate card and they still are refusing the dispute. The card I originally made payment through is not a bank but a prepaid card that my company uses therefore I am unable to get a statement, but I did provide Wells Fargo receipt details and transaction details so they can see that payment was in fact made by a separate card. So now I am being charged {$890.00} along with overdraft fees because they refuse to help me. I finally was able to get a receipt of my transaction made by another card.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2024-06-14
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: WELLS FARGO & COMPANY (NJ)

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my XXXX XXXX and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. XXXX that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. 

Please Advise, XXXX XXXX
Consumer complaint received 2024-06-26
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. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

I signed up for {$1000.00} Credit at my dentist through Care CreditXXXX XXXX ran my health insurance card that same day. I never had the XXXX XXXX XXXX XXXX XXXX so my XXXX put a a credit of {$590.00} on the card along with me making my monthly payments until I had {$1000.00} on the card. Called to speak with someone that couldnt explain where was my monthly payments going due to my statement amount. When asked about the {$590.00} credit, they never answered just kept saying I owe them {$730.00}. I went to my XXXX and they printed off receipt of credit sent to them for services I never had done. When the credit should have went back to my health insurance company since they ran it from XXXX XXXX XXXX XXXX XXXX card from the beginning. Fraud. My dentist no longer advertise Care Credit due to countless complaints.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 I sent a letter to the credit bureau. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2024-06-26
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (SC)

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> Reason : Investigation Request To Whom It may Concern, I received a copy of my credit report with the intention of trying to gain a better understanding of my credit score ( XXXX, XXXX, XXXX ) and see what accounts I had listed on my reports. I know it is my responsibility to monitor my credit report and take responsibility of what is on my credit report. Upon reviewing my report I noticed some inconsistencies in information showing. Im not sure if the information is supposed to be listed this way. Read that under the Fair Credit reporting Act that as a consumer I have a right to have my credit report Investigated for inaccurate information that is being reported. I am not familiar with the laws but or you familiar with something called 15 U.S.C. 1681i ( a ) I read that if you can not provide proof of why account or listed inaccurate on my credit report then you must delete the item. This is what actually got me to send you this letter because I was to make sure that the information on my credit report is reporting correctly. So Please investigate the following account for inaccurate information.1 ) XXXXNavy Federal CU Account XXXX XXXX ). Navy Federal CU account number-XXXX XXXX )XXXX XXXX XXXXXXXX XXXX XXXX  account number-XXXX XXXX ) XXXX XXXX XXXX account numberXXXX XXXX ). navy federal credit union account numberXXXX XXXX ). XXXX XXXX account numberXXXX i request that you complete a fair investigation into this matter and update my credit report and it is vital that the accuracy and intergrity of my credit history. I do not have any other names or aliases and I do not desire any other names or aliases to be retained or reported on my credit profile. I do not have any other address or addresses associated with my name other than the address listed above. Please remove all the other addresses, names, social security numbers and phone numbers from my report, as they are not deliverable to me by the XXXX XXXX XXXX, or they are not associated with me and are not reportable as per FCRA, since they are inaccurate. Please send me my updated credit report showing these corrections made. Looking forward to your response Thank You
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

I am writing to formally request an investigation into a collection account that appears on my credit report, which I am unaware of and believe may be erroneous. The details of the account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Sold to XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, I have no outstanding debts with XXXX XXXX, and XXXX have not been notified of any such debt. Therefore, I am concerned that this collection may have been reported in error, or it may be a case of identity theft or fraud. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I kindly request that the CFPB investigate this matter promptly. Please verify the legitimacy of this collection account and provide me with all relevant information, including the original creditor and any documentation that proves the validity of this debt. 

Enclosed with this letter, you will find copies of my identification and a recent credit report showing the disputed account. I would appreciate your prompt attention to this matter and look forward to your response within 30 days as stipulated by the FCRA. 

Thank you for your assistance in resolving this issue.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (TX)

I am writing to file a formal complaint regarding fraudulent activities that have taken place involving my ex-fiance. On XX/XX/2024, I discovered unauthorized accounts and transactions on my credit report from your company, which I believe are a result of fraudulent actions by my ex-fiance. 

Furthermore, I would like to bring to your attention that Ive been a victim of Identity theft and my driver 's license was stolen at XXXX XXXX XXXX XXXX. This incident has added to the complexity of the fraudulent activities that have affected my financial well-being. 

I have already involved the local law enforcement authorities and am fully committed to prosecuting anyone found to be involved in these fraudulent activities on my credit report. 

I kindly request your urgent assistance in investigating this matter and taking appropriate actions to rectify the fraudulent accounts and transactions on my credit report.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (CT)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account NAVY FCU - XXXX, NAVY FCU - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I had a lease with XXXX XXXX XXXX that ended in XX/XX/2023. I was hospitalized in XXXX so I reached out to the leasing company on how to provide my XXXX  day notice. I was told to have it notarized and sent back to the address in XXXX. I sent notice via XXXX and had signature release. I also emailed the company to make sure they received the notice once it showed delivered. I have proof of the email where the leasing agency says that they did indeed receive the notice. I moved out at the end of my lease. The debt the collector is trying to get from me ( from their own invoice ) is rent for the month of XXXX and other fees related to filing an eviction. I was not sent any information regarding the alleged debt until it hit my credit report.
Consumer complaint received 2024-06-26
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. (OH)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-26
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX