davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit reporting 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. (OH)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

In XX/XX/year>, I received a written communication from Transworld Systems Inc. ( TSI ) regarding a payment of {$470.00} owed to XXXXXXXX XXXX  XXXX XXXX XXXX, an XXXX XXXX XXXX XXXX XXXXXXXX, Florida. I contacted XXXX via phone several days after receiving the letter to notify them that this is the result of identity theft. I was instructed to provide a police report showing this as an open case, but I have not been able to contact the detective assigned to a previous case of identity theft involving my personal information in order to add this information to the open case. I have never lived in XXXX XXXX, Florida, and this issue is due to identity theft. I have an open case with the XXXX XXXX XXXXXXXX XXXX Police XXXX XXXX XXXX XXXX, Florida ) where we are attempting to pursue the individuals causing these issues. The XXXX has informed me that they have discovered an identical photocopy of my FL Drivers ' License. 

Attached to this complaint are the following : XXXX. Letter from Transworld Systems Inc. describing the delinquent account at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX. XXXX XXXX Police Dept report XXXX ( open case regarding identity theft associated with my Driver 's License ). 
XXXX. Letter from Florida XXXX XXXX XXXX XXXX and Motor Vehicles notifying me that a fraudulent copy of my Drivers ' License has been discovered.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

XXXX on XX/XX/year> my account was late due to oversight and was paid off and it's still on my report. They said it would be removed and it was not I called and paid the account off and don't owe them anything.
Consumer complaint received 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (TX)

I discovered an account was opened with my personal information without my authorization. Im a victim of identity fraud and have been trying to resolve this matter for years. My FTC Report number is XXXX.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$470.00}
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC (GA)

I don't recall the dates exactly for I was informed that this issue was resolved some time ago. The company Solar Mosaic, was looking to see if I could go solar, sometime spring/summer 2023. A service representative came out and checked our fuse box and related wiring. He could not check the roof due to a bad rain storm that was about to happen, however, he did come back about two ( 2 ) weeks later. The service rep did a whole lot of banging and pounding, repaired the holes in the roof he made for anchoring, and left. I days later received the inspection report, which stated that my roof could not support solar panels, and that to do so it would cost an additional {$20000.00} or more, which I declined, I was informed, after several back and forth telephone conversations that the issue was resolved. A few weeks later, I received a text or email stating that they were going through with the job, which I still have declined, and have not signed any contract. To date, Solar Mosaic has done no work on my roof, and there are not solar panels installed, nor am I interesting in dealing with them. Recently I noticed a balance on my credit report, however, I've made no payments to anyone, and there doesn't appear to be a payment history or showing me as being delinquent. I've repeatedly asked them to remove the account from my credit report with no response, it's been a year now.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

According to 15 USC 6801, 6802, 6803, 6804 privacy of nonpublic information. This information MAY NOT be disclosed, since the " account '' numbers of these said accounts, my SOCIAL SECURITY NUMBER these do not fall under the nonpublic information. If my social was not release to these debt buyers, then how do they report on my credit reports? I did not have a signed contract with these debt buyers and they have no right BY LAW to my " account '' number NOR are they suppose to have access to MY NONPUBLIC SOCIAL SECUIRTY number.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

JPMCB CARD SERVICES XXXX Report date : XX/XX/year> This isnt my debt and and does not belong to me but this company published this debt on my credit profile without my written or verbal consent. Not responsible for this charged off debt.
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (GA)

I am writing to dispute an account on my credit report, which I have contested XXXX times without receiving sufficient information. The details of the dispute are as follows : Account Details : Disputed Amount : XXXX Account Open Date : XX/XX/year> Issues : Amount Discrepancy : I do not agree with the amount listed for this account. 
Incorrect Open Date : The date listed as the account open date is inaccurate. 
Request : Under 15 USC 1692g and 15 USC 1681s-2, I am requesting that you provide : The last billing statement from the original creditor, including the amount due and the date it was due. 
If you can not provide this information, I request that this account be deleted from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (AL)

Certainly! Heres the revised explanation with the additional detail : -- - I was recently coerced by a third-party cell phone company into providing my personal information under false pretenses. They promised me an upgraded smartphone, but instead, I ended up being charged {$220.00} without any clear explanation or understanding of the charges. I was misled and left with unexpected costs. 

To make matters worse, an employee from the company informed me that they were involved in stealing peoples identities. Now, a collections agency named XXXX XXXX is attempting to collect this debt, but I believe they are doing so illegally and without proper consent. I sent a debt validation letter to them via mail, requesting proof of the debt as required under the Fair Debt Collection Practices Act. According to 15 U.S.C. 1692c, I am entitled to request that they cease communication until they provide proper validation. 

Despite this, the collections efforts have continued, and I am concerned about the legality of their actions and the impact on my credit. I am seeking assistance to resolve this issue and ensure my rights are protected.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

I am writing to verifying that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ability Recovery Services, LLC (AZ)

I've contacted both companies on several occasions in regards to the open accounts as well as the occurring charges that are destroying my credit. I was not provided any information nor an was an investigation was conducted, Please assist. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Ability Recovery Service XXXX XX/XX/XXXX XXXX XXXX USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 1028A - Aggravated identity theft
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (MD)

I noticed that a discharged XXXX XXXX bankruptcy is still being reported on my credit report. Per the Fair Credit Reporting Act ( FCRA ), this bankruptcy should no longer appear on my report as it has been discharged. Additionally, the account in question was included in my bankruptcy and should not be reported as an active or delinquent account. 

I took the following actions : [ list any steps you took, such as contacting the credit reporting agency or disputing the item online ]. Despite these efforts, the bankruptcy and the included account remain on my report, negatively affecting my credit. 

I request that you remove this discharged bankruptcy and the associated account from my credit report immediately, as they are no longer accurate or compliant with FCRA guidelines.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XX/XX/year>, XX/XX/year>, XX/XX/year>, AND XX/XX/year> to be removed They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/year> around XXXX pm unknowingly to me, an unknown XXXX party perpetrator watched me enter my cellphone password to open my phone. That third party perpetrator then stole my phone and transferred XXXX, ( presumably themselves ) {$1000.00} via XXXX. When I realized my phone was stolen I called Wells Fargo at XXXX ( I have record of the call log from my friends phone ). I spoke with an agent for XXXX minutes and they assured me no charges had gone through and they would shut down my account. On XX/XX/XXXX when I got my new phone, I was able to log into Wells Fargo. This didn't make sense because my account was supposed to be shut down. I immediately called Wells Fargo when I noticed a transaction of {$1000.00} via XXXX to XXXX. The reported having no evidence I called to shut down my account and thus it wasn't shut down. 

They have denied my fraud claim at least 3 times at this point stating I have not provided sufficient evidence of fraud. I have provided everything I can. If they would be willing to look into call logs and listen to my call from XX/XX/XXXX they would hear me reporting the fraud and subsequently being told no transactions/fraud had occured and they would shut down/put a hold on my account. If the agent would have done his job correctly none of this would have occured. As a consumer I did my part. Wells Fargo has not done theirs. 
I have been a Wells Fargo customer for 31 years. 

All of the below has been provided to Wells Fargo and I will add to attachments here : - I have attached the police report - I provided a picture of the call from my friends phone ( XXXX ) to wells fargo XXXX at XXXX reporting the theft that lasted XXXX minutes. 
XXXX provided a call log history that shows I didn't have access to my phone because it was stolen and last used the evening of XX/XX/XXXX before the theft and next used XX/XX/XXXX when it was replaced. 
-Email correspondence from Assurion insurance that my phone was reported stolen on XX/XX/XXXX and a new one was ordered. 
-Screen shots of the my old IMEI number and new one. Proving I had to buy a new phone. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

My Information was Exposed in a XXXX XXXX and it is reporting incorrect information. It is showing a bankruptcy, and XXXX incorrect information such as XXXXXXXX XXXX, and XXXX XXXX XXXX. Per the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX. A report with FTC was also made
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TRANSUNION XXXX XXXX XXXX XXXX taken to remove by following FCRA... 
XXXX XXXX action taken to UPDATE by following FCRA...
Consumer complaint received 2023-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. Account name : 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 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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

CFPB, I MAILED EQUIFAX A DISPUTE LETTER XXXX TO REINVESTIGATE XXXX XXXX XXXX ACCOUNT INACCURACIES I HAVE NOT RECEIVED AND DOCUMENTS BACK XXXX IS XXXX DAYS AFTER XXXX DAYS THE ACCOUNT SHOULD BE DELETED FROM MY REPORT.
Consumer complaint received 2024-08-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I have sought legal representation for this matter. The matter at hand is that Truist Bank opened a Ready Now Line Account/Loan without my request and knowledge of such. I am now being forced to pay late fees and have charges coming out of my checking account, in order to pay on the ready now line account. I did not authorize this loan and will continue to dispute the dishonesty, lack of integrity, financial burdens and poor customer service ; that Truist Bank has shown to me.
Consumer complaint received 2024-08-17
Product: Prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CITIBANK, N.A. (LA)

I qualified for a Best Buy card XXXX weeks ago. I have made a few purchases WITHOUT the physical card which is allowed. During a transaction without the Best Buy Credit Card at Best Buy, there was an initial decline. The cashier ran my transaction again and there wasn't a problem. The transaction went through. 

About XXXX minutes later, a person from a phone number entitled " CITI, '' XXXX, called me and said that they represented Best Buy Credit Protection and were inquiring about a recent purchase. I returned the call and could hardly understand WHAT they were asking. Initially, I did provide my social security number as I thought this was a legitimate phone call regarding the recently declined purchase. HOWEVER, the longer I spoke with these " credit service '' representatives, the more I began to suspect that they were actually representing Best Buy and just fishing for information. I hope that I haven't done something in appropriate by reporting this. They also provided a toll free number, XXXX. Once I began to suspect their ruse, I hung up.
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (TX)

I got into some debit with XXXX XXXX struggling to pay they decided to sue me i decided to get a lawyer so I called them to let them know and when I did They started to Threaten me Saying, why did I get XXXX If XXXX just gon na lose and its pointless because XXXX going to lose and be off worse and garnish my wages and put on a lien on my house.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.