davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
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. (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.

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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-08-25
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2019-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Still the same ongoing issue with Transunion since XX/XX/XXXX with respect to my XXXX XXXX XXXX account, not being reported at all and having an incorrect balance at the then time. 

This shall be my second dispute regarding the matter, hopefully is is resolved at this time. 

It has been confirmed by my loan holder for my XXXX XXXX XXXX this payment information was sent to Transunion on XX/XX/XXXX and it has now been beyond [ 30 ] days and this information has yet to be reflected in my credit score.

Transunion did provide them with an Audit Number which is [ XXXX ].
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am writing to request a XXXX XXXX compliance review of my credit report. I believe these accounts are not mine and part of a mixed credit file or fraud or reporting inaccurately after reinvestigation. I have attached more evidence that proves that some if not all of these accounts are a result of a mixed file or another individual with the same name and XXXX as me thus I can not take responsibility for an account that is not mine. 

I have included my credit reports from XXXX that reflects all three credit bureaus and what is being reported. As you will see clearly, the payment history is incomplete and does not match across all bureaus. If they are contacting the furnishers then these accounts much match per what the furnisher is reporting. 

I am requesting that you conduct a XXXX XXXX compliance review of these account and remove them. A XXXX XXXX compliance review is a process that is used to ensure that credit reporting agencies are reporting accurate information. 

I am enclosing a copy of my credit report with the late payments that I am disputing highlighted. I am also enclosing a copy of documentation that supports my claim that the late payments are inaccurate. 

Please delete these accounts as I have spent the last 7 months disputing and my disputes and complaints have been ignored. If these accounts continue to report after 30 days, I will seek legal action. 

Thank you for your time and attention to this matter.
Consumer complaint received 2023-08-25
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. (NC)

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big 3 CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation. 

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information. 

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the Gramm-Leach-Bliley Act.

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. You are now in liability as I have insisted on the immediate removal of the identified items in the past, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Consumer complaint received 2019-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I received what I believe to be a fraudulent debt collection letter for a debt I never owed or have not been contacted previously. I believe it is a scam. I did not try to contact the company because i did not wan them to even know I was interested. I have attached a copy of the letter. My address is even wrong on the letter. It is a 5 digit house number not a 4 digit.
Consumer complaint received 2024-02-08
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. (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.

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 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (NY)

I requested the following : 1. An agreement between their agency and the original creditor showing that they are authorized to collect this debt in their behalf. 2.original agreement between the alleged debtor and the original creditor showing where they agreed to payment terms. 3.amount of commission paid to debt collector if debt collection is successful. 4.name and address of original creditor. 5.address on file for the alleged debtor. If these items can not be furnished with 30 days I request the item be removed from all credit bureaus, XXXX, XXXX and XXXX.
Consumer complaint received 2023-09-16
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. (IL)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collectiom/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Transunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC so 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Hi CFPB, XXXX XXXX XXXX XXXX, my card was charged by a company in XXXX, but i have been back to XXXX for over XXXX years, i will attach my XXXX XXXX history in attachment. It is absolutely a fraud activity. But the wells fargo refund me for XXXX transaction but not the other one. I don't know why understand. 

The XXXX transactions happened in the same day in XXXX minutes. And i tried to make a phone call, the representative did not provide the reason, but kept saying it is the XXXX department final decision, when i asked to transfer me to fraud department, she just refused and hang up my phone, i have been waiting for over an hour to talk to them. 

I am not satisfied about everything of Wells Fargo bank. The service is bad, representative is not responsible. 

Sincerely
Consumer complaint received 2024-08-15
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. (IL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The company reported many aliases ( around 5 ) and wrong addresses on my credit reports. There are also collections on my credit report which are not accurate. these informations are damaging my opportunity to get funding and mortgage. There are also account open in my name that I do not recognize. by example for XXXX has account that was open under my name when my identity was stolen. I ask that the credit report reflect accurate information. I was both victim of XXXX and Experian data breach. I would like to see these inaccurate information be removed from my report and prevent any collection agency to repost them after they are removed.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (TX)

In early XX/XX/2023, I made a purchase on the XXXX website. While completing this purchase I signed up for the NFL Extra Points Visa card which is issued by Comenity Capital Bank. I was particularly persuaded by an offer of a {$100.00} statement credit after spending {$500.00} outside of the XXXX. I received the card within XXXX days and immediately began using it. I met the {$500.00} spending requirement on or about XX/XX/2023. 

Since that time, I have made countless calls to Comenity Bank 's customer service department and they have failed on multiple occasions to resolve this issue. Initially, I was told during a call in XX/XX/2023 that I had to wait 90 days after opening the account to receive the {$100.00} statement credit. I waited 90 days and called Comenity Bank customer service again in XX/XX/2023 to inquire about the {$100.00} statement credit. I was told at that time that I couldn't receive the statement credit because I had a {$0.00} balance. I was told to spend at least {$100.00} on the card and that I would immediately receive the credit. I followed through on this advice and spent over {$100.00}. 

After not seeing an immediate credit, I called Comenity Bank yet again on XX/XX/2023 and spoke to an representative named XXXX. XXXX informed me that the information provided by the prior representatives was totally incorrect and she opened an investigation into the matter. XXXX confirmed I met the promotional requirements and assured me the issue would be resolved within XXXX XXXX 

Today is the XXXX day so I called about XXXX minutes ago to get the status of XXXX 's investigation. I was told by a phone representative that they had a " system issue '' that affected a large number of customers and that there is " no timeframe '' for when it will be resolved. After escalating my complaint to a supervisor named " XXXX XXXX '', I was told that I " should '' see the {$100.00} statement credit on my next billing statement. My experience with this bank has made me very skeptical that I will receive anything. 

Every representative I have spoken to has confirmed that I met the criteria for the promotional offer back on XX/XX/2023. It's been over 6 months and I have not received the {$100.00} statement credit. XXXX Bank continues to advertise the {$100.00} statement credit promotion via XXXX games and the XXXX XXXX website.
Consumer complaint received 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I purchased a flight ticket on XXXX XXXX on XXXX and cancelled the purchase on the same day. Based on the company 's policy, I will get a full refund within XXXX business days. 

I don't see anything happened on my account a week after, so I contacted Chase Travel. The supervisor looked into this issue, and told me that they will expedite the refund via the dispute I filed on this transaction, and I will receive the credit within XXXX business days. I received a email from her as proof. 

Now it has been over 15 days since I cancelled the purchase, and nothing has happened on my account. The agent from card member department also told me that there is no note on the transaction I disputed, which means that the supervisor has lied to me. I tried to contact chase but they kept throwing me to other departments or cutting the line when I am waiting for their response.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NV)

Three Fraud charges from XXXX XXXX were reported. Two of them dated XX/XX/23 for {$150.00} ( reference # XXXX ) and {$100.00} ( reference # XXXX ) and XXXX dated XX/XX/23 for {$250.00} ( reference # XXXX ) was reported. 
Fraud Claim repeated denied by synchrony bank and I was told I authorized, participated in or benefited from fraud. I did not. These are not my charges. Three times I have contacted synchrony bank to explain that these are fraud charges and three times they were denied.
Consumer complaint received 2024-02-09
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. (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.

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 2023-06-15
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: Self Financial Inc. (FL)

I am writing to bring to your attention the presence of a fraudulent XXXX credit card account and a rental property on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history. 

Upon reviewing my credit report, I discovered that a XXXX  credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile. 

I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities. 

Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required. 

I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue. 

Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX