davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Subject : Complaint Regarding Inaccurate Reporting of Identity Theft by Genesis Credit Management Dear Sir/Madam , I am writing to formally file a complaint against Genesis Credit Management for their continued and unlawful reporting of an account on my credit report that is a result of identity theft. Despite my numerous attempts to resolve this matter directly with Genesis Credit Management, they have failed to take appropriate action to remove the fraudulent account. 

Details of my complaint are as follows : XXXX. Account Information : The fraudulent account being reported by Genesis Credit Management. 
XXXX. Identity Theft Proof : I have provided Genesis Credit Management with comprehensive proof that the account is not mine. The documentation includes : A Federal Trade Commission ( FTC ) Identity Theft Affidavit. 
A police report confirming the identity theft. 
Proof of my identity, including copies of my drivers license and Social Security card. 
Additional documentation demonstrating that I was not associated with the account in question.

Despite submitting this information, Genesis Credit Management has neither removed the erroneous account from my credit report nor provided any response or acknowledgment of my dispute. 

Violations of the Fair Credit Reporting Act ( FCRA ) Genesis Credit Managements actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : XXXX. Section 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information within 30 days. 
XXXX. Section 605B ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof. 
XXXX. Section 623 ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information. 

Demand for Immediate Action I demand that Genesis Credit Management immediately : XXXX. Remove the fraudulent account from my credit report. 
XXXX. Provide written confirmation that the account has been removed. 
XXXX. Cease any further reporting of this fraudulent account to all credit reporting agencies. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Genesis Credit Management to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter.
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: EQUIFAX, 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 2023-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2019 I did a transfer from Wells Fargo bank where I was the account holder to the XXXXXXXX XXXX  to the supposed closing attorneys account. 2 hours later I was informed by the closing attorney that they didn't receive the wire, and they confirmed the account information that I had was not the correct one, apparently the email was hacked and I was following the instructions from a hacker. I immediately informed my bank, and while the funds were still available on my account I requested to place a swift recall. Accordingly to the bank manger of the branch where I initiated the transferred from, the Wells Fargo had place a wire stopped successfully and the XXXXXXXX XXXX did acknowledge a name discrepancy and the wire was placed on hold. On XX/XX/XXXX the XXXXXXXX XXXX released the funds to the fraudsters and closed the account. 
Following the investigations from the Law enforcement in XXXX, the Police officer uncharged discovered the XXXXXXXX XXXX opened the account to a person with fake ID and XXXX phone number. Still the bank released the red flagged funds. 
The Wells Fargo did failed by not confirming with the XXXX the account at the time I was making the wire transfer, as a result of this mistake I was told the manager was later on terminated ; still I never retrieved my money, and the XXXX XXXX did opened and released the funds to fraudsters what makes me conclude this was an inside crime. 

I need from both bank to accept their response and refund the money that I lost
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Shared without my consent, credit inquiries from unknown sources ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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: CITIBANK, N.A. (CO)

On XX/XX/year> I purchased a run online from XXXX XXXX in the amount of {$1000.00}. On XX/XX/XXXX the ring arrived. After wearing it for a few days my fiance broke out onto a really bad XXXX  and I contacted the company on XX/XX/XXXX to inform them what happened and asked for a refund. In addition the ring was sent back immediately. On XX/XX/XXXX the ring was confirmed to arrive back but no refund was giving dispute XXXX XXXX XXXX XXXX XXXX  my fiance had. I contacted my credit card company to file a dispute. A temp credit was giving but in XX/XX/XXXX the merchant responded and the credit was reversed. The company allowed me to respond again until XX/XX/XXXX but I spoke to them multiple times in the phone between then but no one notified me that I needed to submit this form by XX/XX/XXXX. The last person I talked to said there was no deadline so I submitted the signed form with information I already provided Before on XX/XX/XXXX and I was informed that I missed the deadline by 7 days and the dispute can not be reopened.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-10
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. (TX)

Recently, I did an investigation on my creditr report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (KY)

Approximately between XXXX and XXXX I banked with US BANK. I was charged thousands in late fees, overdrafts, etc. The worst thing they did however was " curing '' my overdraft charges which were more than {$2000.00} ... .so I would get the " full benefit '' of the 1st stimulus check. They said it's a loan. But I didn't ask of want a loan!!! I wanted that 1st stimulus check to pay off my overdrafts so I could stop the cycle. They also would make deposits out of order to maximize the number of fees they could rack up. That " loan '' they instigated is still in collections! It was just st wrong.
Consumer complaint received 2024-06-19
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

i recently went on vacation to florida with my XXXX daughters. i was home for about a week and noticed that there was a deposit of XXXX to my account. i did not recognize this deposit. the same day, the money was taken back out of my account. my daughters checking accounts have also had the same things happen. my accounts are severly overdrawn. the irs had also just deposited my XXXX dollar tax return that i have been waiting for since XXXX. the same external account has taken over XXXX of that money as well. i filed a fraud complain with usaa. they told me that it will take 7 to 10 business days to investigate. i also found out that my identity was stolen. this all connects together. i am a XXXX  mother of XXXX daughters. i have a mortgage and children to feed. usaa does not seem to be hasty about any of this. i was never notified that there was any kind of fraud to my account either. please help
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (IN)

I recently received a copy of my XXXX, Equifax and XXXX consumer report, and it has come to my attention that you are reporting my transactions with these companies to the consumer report. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XX/XX/XXXX and XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX The credit reporting agencies are in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my consumer report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Department of ED/XXXX  are in violation of 15 USC 1681. 

I have also sent certified letters with no reply. This is my final attempt.
Consumer complaint received 2024-05-26
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)

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 informationisinaccurate.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-10
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. (IN)

I recently received a copy of my XXXX, XXXX and TransUnion consumer report, and it has come to my attention that you are reporting my transactions with these companies to the consumer report. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XX/XX/XXXX and XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX The credit reporting agencies are in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Department of ED/XXXX  are in violation of 15 USC 1681. 

I have also sent certified letters with no reply. This is my final attempt.
Consumer complaint received 2024-06-27
Product: Credit card — Store credit 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: Paypal Holdings, Inc (MD)

I submitted a registered security to Pay Pal holdings executive XXXX XXXX on Monday XX/XX/scrub>XXXX XXXX, 2024, via registered mail, and she did not respond. I then sent an email to the P.O. located on the " statement '' regarding disputes and billing errors, within 15 calendar days and their policy provides 60 calendar days ; and the agency still ignored me. Rather than research the matter, the company continued to add late payments ( which I will not ) for not paying the bill, when the bill should in fact been place in the " Do not pay, do not collect status ''. Moreover, I called the XXXX XXXX number provided by the company and when I conveyed why I was calling they hung up on me. The last email I sent to the company was on XX/XX/scrub> 2024, which included XXXX XXXX. I would like for the company to first acknowledge the registered security sent to them in XXXX and address the documentation that I have provided them with repeatedly. The company is failing to uphold their own rules and regulations by dismissing my written request, per their card services terms and conditions " What to do if you find a mistake on your statement.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a complaint last XX/XX/XXXX. Involved Companies responded. Some items are deleted and updated. Some are still reporting. I submitted a complaint dated XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will not close it immediately, and will now help me regarding the remaining fraudulent items on my credit report. There are still MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. These accounts are not mine.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TradeStation Group, Inc. (IL)

I have provided XXXX with the information that XXXX XXXX is reporting a false debt on my account. I provided the evidence to them. 

Trade Station who was recently fined and under federal investigation claims I owe them money.

My bank investigated the matter and I won the dispute.
Consumer complaint received 2024-06-19
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: Bread Financial Holdings, Inc. (TX)

I am writing to express grave concerns regarding the derogatory rating on my account. This negative rating has already had severe consequences, including the denial of a recent loan application and increased interest rates on my existing credit accounts. The financial and emotional distress caused by this derogatory rating has been substantial, and it will continue to adversely affect me until the issue is resolved.
Consumer complaint received 2024-07-04
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)

I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit.
Consumer complaint received 2024-06-19
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: Duvera Billing Services, LLC (TX)

I am writing to express grave concerns regarding the derogatory rating on my account. This negative rating has already had severe consequences, including the denial of a recent loan application and increased interest rates on my existing credit accounts. The financial and emotional distress caused by this derogatory rating has been substantial, and it will continue to adversely affect me until the issue is resolved.
Consumer complaint received 2024-06-19
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: JPMORGAN CHASE & CO. (CA)

I am writing to express my grave concern regarding the derogatory rating present on my account. This negative rating has already had severe consequences for me, leading to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. The financial and emotional distress caused by this derogatory rating is substantial, and it will continue to adversely affect me until the issue is resolved.