davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15U.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. 
These inaccuracies are stopping me from getting a house for my family and car for kids.
Consumer complaint received 2024-06-12
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. (MD)

Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts do not meet the credit reporting Standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment and humiliation and is damaging my entire life by Keeping me from getting new credit for personal, family and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

My name is XXXX XXXX XXXX. And this is not a third party filing this report. I have attached several documents for your review. Please see attached. There are several inaccuracies on my consumer report being reported by the following credit reporting agencies. XXXX, XXXX, and EQUIFAX. They have not did an investigation into this matter and they are violating my consumer protection rights by these inaccurate reportings.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (PA)

I got the XXXX card a couple months ago, like many who heard news about the card that gives points for rent. I was excited to start, but quickly over the past 2 months my frustration has turned to suspicion that XXXX may actually be intentionally withholding points from customers in a very clever game of plausible deniability. Ive forwarded the email chain below. 

Basically, XXXX is getting valuable customer acquisition from many, many customers while claiming our referral links are broken to avoid giving XXXX referral points ( normally obtained after spending {$2500.00} ). Instead, they make it very annoying for us to get the referral points owed by asking us to have our friends or family reach out directly to XXXX. But turns out these broken referral links have been an issue for over a year. I find it highly unlikely XXXX has been in good faith trying to fix their referral links for over a year and simply been unsuccessful ( I mean every card company uses referral links, Ive never had issues with my XXXX referrals ). Either XXXX is intentionally not fixing these referral links to avoid giving customers points valued at {$25.00} per referral ( or more if transferred to partner airlines ), or our referral links work just fine and theyre lying to us. I cant tell what they really see on their screens, but its perfect plausible deniability for them to grow rapidly without having to pay for it. 

Whats more suspicious is that I personally saw how fast their IT team can fix issues when it benefits them. Earlier a month ago I saw XXXX reported they were offering XXXX points for linking XXXX accounts so I linked mine and waited. When I reached out about not receiving points they told me they dont offer points for linking loyalty accounts anymore. I had to cite their own website link with the language stating they did, and they WIPED it clean within the hour. ( I dont have the screenshot, but I have the messages to prove it. ) So clearly they can fix issues immediately when it benefits them. But when fixing an issue for customers suddenly have their hands tied? 

Given the shadiness of Wells Fargo in the past ( XXXX  scandal ) and the clear strain right now between XXXX and Wells Fargo, I could imagine a situation in which XXXX has financial incentives to withhold what they advertise. Hopefully someone can pick this story up to amplify our voices and pressure them to fix their referral links..
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

My account with XXXXDEPT OF ED was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXDEPT OF ED Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 2ND 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-12
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. (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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)

I am writing to formally dispute an unauthorized and fraudulent accounts that has been opened in my name. I recently discovered these fraudulent accounts on my credit report and upon further investigation, it is evident that these accounts were opened without my knowledge or consent. 

Below are the details of the fraudulent account : Account Type : XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Account Type : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I reviewed my credit report and noticed the presence of an account that I did not recognize. Upon further investigation, it became clear that these accounts were fraudulently opened in my name. I have never applied for any accounts and I have no association with these account whatsoever. 
In light of this fraudulent activity, I am requesting the following actions be taken immediately : Remove the account from my credit report : Ensure that this fraudulent account is removed from my credit report with all major credit bureaus. 

To assist in your investigation, I have attached the following documents : A copy of my identity theft report from the FTC. 
A copy of the police report. 
A copy of my driver 's license or government-issued ID. 

Please consider this matter with the utmost urgency. The fraudulent account is negatively impacting my XXXXt score and causing significant distress.
Consumer complaint received 2024-06-20
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. (AZ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management was sent a certified letter on XXXX XXXX. I requested verification of the alleged debt, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. Midland Credit Management failed to provide the above-mentioned item and just sent a letter stating they own the debt. 

I informed them if they could not provide the requested documentation of all parties involved I want the item removed from the credit report IMMEDIATELY. To this date they have not complied.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NH)

Dispute of Inaccurate Information and Debt Validation Request Account Number : XXXX Collection/ChargeOff with XXXX Dear Experian, I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. Additionally, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. Please provide a detailed response outlining the findings of this investigation, including the original written instructions from me with my wet signature. Furthermore, pursuant to Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), I am formally disputing the validity of the debt referenced above. Please be advised of the following : Dispute of the Debt : I dispute the validity of the debt, or any portion thereof, as stated in your notice. According to the FDCPA, you are required to cease all collection activities until you provide verification of the debt. Verification Requirement : As per Section 809 ( b ) of the FDCPA, I request that you provide me with verification of the debt, including a copy of any judgment if applicable.
Original Creditor Information : Additionally, if the debt has been sold or transferred, I request the name and address of the original creditor, as required by Section 809 ( a ) ( 5 ) of the FDCPA.

Cease Collection Activities : Until you provide the requested verification of the debt or a copy of a judgment against me, you must cease all collection activities related to this debt in accordance with the FDCPA.

Accuracy of Report : According to 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Additionally, please be aware that, according to Section 809 ( a ) of the FCRA, you are required to provide me with written notice of my right to dispute the debt and request validation.

Verification of Contacts : I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.

Failure to provide the requested validation within the specified timeframe will be considered a violation of the FCRA, and I reserve my rights to pursue legal remedies available under the law.

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Avant Holding Company, Inc. (GA)

I have repeatedly requested to close my account with AVANT LLC and my requests has been ignored. This suspicious behavior is unacceptable!! I'm requesting to close my account and to overnight my government XXXX benefits to the address on file. Instead, AVANT IS DEMANDING TO REPLACE A LOST OR STOLEN DEBIT CARD THAT I DID NOT REQUEST. I WAS FORCED TO UPDATE THE APP WITH THIS BUT THE APP NEVER ACCEPTED MY password after XXXX attempts. Please see screenshots for proof. {$300.00} was PAID AND THE OTHER {$300.00} IS STILL PENDING ALMOST ANOTHER MONTH LATER PENDING TRANSACTIONS CAN STAY IN PENDING STATUS LEGALLY??? I WANT AND NEED MY FREAKING MONEY THIS IS ABSOLUTELY TORTURE!! I WAS I NEVER HEARD OF THIS DECEIVING INSTITUTION!! I also mistakenly sent my taxes to them and the representative was distracted with the wrong document and instead I needed help with my account. I repeatedly requested to not share my private information and I informed him that I sent the wrong attachment and had I not volunteered to share the representative wasn't going to be honest and tell me.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (NY)

This account is invalid. AMERICAN EXPRESS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX
Consumer complaint received 2024-06-12
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NY)

Credit Collection Services reported by account for collections, I never took an account with credit collection services. They called me a few times to which I eventually answered and ask why they were calling when this was paid to XXXX XXXX, the rep went on to verify the account with a wrong date of birth to which I told them was incorrect. 

I called XXXX XXXX and report this to XXXX to which they contacted CCS to remove but they report my account as paid.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NY)

This company keep calling y phone from different numbers telling me i owe them the amount of {$790.00}. I told them i never heard of they company nor have i ever did business with they company and the refuse to listen and continue to harass me. Law 15 usc 1692c clearly states, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-06-12
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)

There is information that is obtained on my consumer report that is a result of identity theft. I did not at any time provide written permission or instruction for the identified transactions to be reported on my consumer report. I'm requesting the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block. The identified transactions are not information related to my transactions as a consumer. 

SEE ATTACHED
Consumer complaint received 2024-06-12
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. (MN)

XXXX XXXX XX/XX/2024 XXXX  XXXX XX/XX/2024 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.