davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
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)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

Credit furnishers and creditors keep stating the fraudulent accounts were verified, but if my identity was stolen than they have my personal information. I sent them my complete and accurate Identity Theft report, IRS identity theft Affidavit someone filed taxes under my name and a copy of the police report document.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

We have now had to deal with this account twice. XXXX XXXX sold this debt to XXXX XXXX at which time we did a pay for delete through XXXX and the account was satisfied ( we have documentation of this ). XXXX XXXX removed it from my credit in XXXX and then reapplied it to my credit in XXXX, even though they had sold the debt to XXXX and no longer owned the debt at all. It is still appearing on my credit which the account was initially from XXXX ( so an XXXX year old charge off ). We launched an investigation with XXXX XXXX and the representative I worked with ( XXXX ) even stated that there was an error with this account and they were working on it. We were later informed that they decided the information is correct even with the pay for delete letter we sent them. No actual explanation as to how they came to this decision. We would like this item removed permanently from my credit as soon as possible as this is impacting my credit and messing with my home buying process.
Consumer complaint received 2023-09-25
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. (PA)

I am writing to delete the following information in my file. The Items I need deleted are listed In the report. I am a victim of identity theft and did not make the charge. In accordance to the FCRA I ask that the items be deleted immediately to correct my credit report. I reported the theft of my identity to the federal trade commission an I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-29
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. (FL)

XX/XX/XXXX I sent paperwork to the credit burueas and I have not received a response nor any follow-up. The tracking number shows it was delivered. So now you MUST DELETE ALL ACCOUNTS MENTIONED due to intentionally not processing my disputes. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA you have 30 days to respond to my disputes. We are well past 30 days!!!! So immediately remove them. I expect a response within 4 business days with copy of the deletions and removals. Thank you. My attorney is forwarded on this complaint
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Request for accurate documentation provided that this debt is currently mine. 

Reached out to the company to assist in the matter of this repo. It has provided damage to my credit score affecting my day to day, as well as my livelihood. Company was unprofessional and unable to provide me with accurate information regarding a contract.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I want to draw your attention on these accounts which are erroneously being reported as late payment and charge off on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NY)

Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. 

AMSHER COLLECTION SERV Account Number : XXXX Date Opened : XX/XX/2024 Balance : {$310.00}
Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I sent a letter asking Transworld Systems to validate a debt on my credit report. Account number XXXX. They did not respond which is a violation under 15 U.S. Code 1692g ( a ) is a section of the U.S. Code that covers the validation of debts and requires debt collectors to send a written notice to consumers within five days of first contacting them about debt. The notice must include : The amount of the debt The name of the creditor A statement that the consumer must respond within 30 days A statement that the debt collector will provide the consumer with the name and address of the original creditor if requested in writing within 30 days
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I HAVE BEEN DIPSUTING MY CREDIT REPORT AND HAVE PUT A FREEZE ON ALL THREE CREDIT REPORTS FOR FRAUDLENT ACTIVITY AND TRYING TO DELETE THE INCORRECT ADDRESS AND TELEPHONE NUMBERS AND NAMES FROM MY CREDIT REPORTS, I HAVE UPLOADED REQUESTS XX/XX/2018, I HAVE FAXED REQUESTS AND ENT CERTIFIED MAIL XX/XX/2018 AND RECIVED A RECIVED RECIPET DATE XX/XX/2018.
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (FL)

I have requested multiple times to be provided documents in relation to my loan, I have requested the credit app they received from my selling dealer as well as any proof of income they may have received. On one occasion I was on the phone for over an hour speaking to multiple people trying to find the right person that could put this request in for me and was told on one occasion that I could not have these documents until I paid money on my account, after explaining I needed these documents to try and rectify something with my account the gentleman on the phone said " let me explain how this company works '' and proceeded to tell me I could not get the documents. After an hour I spoke with someone who said they were putting in a request for me to get what I needed, and he said it would take 24-48hrs. That was on XX/XX/2024 and I still have not received them. I spoke with the finance company again on XX/XX/2024 requesting the documents and was again told I could not get them, due to my account being behind. Even though I AGAIN explained that I needed these documents in regards to my account being behind.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Please consider this as my refilling complaint to the FAIR COLLECTIONS & OUTSOURCING for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXX.They allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

Received Vanilla brand Visa gift card for {$100.00}. Digits are missing from the card. Contacted company on XX/XX/23 and was informed a new card would be issued within 7-10 days. Given case number XXXX. As of XX/XX/23 no update to case. Several emails have been sent and ignored.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

The Mattress Firm / Synchrony Bank credit card was offered and I opened an account based on the deal associated with purchasing a mattress / bed. After a couple years of payments, Synchrony Bank is now trying to change the deal by adding new fees not part of the original deal. Specifically : Paper Statement Fee. We will charge a {$1.00} Monthly Paper Statement Fee to your account. We will charge this fee in any billing cycle in which your balance is greater than {$2.00} and you are sent a monthly billing statement in paper form, even if you also are provided it in electronic form. You can avoid the fee each billing cycle you are provided your monthly billing statement only in electronic form. To make an election regarding the form of your monthly billing statement, please sign up for or log in to our servicing site. 

Additionally, on their web site they don't guarantee the security of my information and suggest I take precautions. Another online account is another opportunity for online identity theft.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MS)

XX/XX/2024. I went to the atm drive thru in XXXX, MS . I requested {$1000.00} and the atm gave me {$880.00} the atm clap closed on {$120.00} and the money crumbled back into the atm. I immediately called the customer service number and the agent entered a ticket and advised it will take 10 days and I can speak with a teller. The bank was not open. I drove around and waited until the bank opened. I walked in and told the teller, she stated they have the problem all the time. I asked are they going to close the atm and she stated no. I informed her I know my money came out to the next person because the way it went back in. They did not care. The teller said I can request a credit until the investigation is complete. once the investigation was completed wells fargo took the credit back saying their atm balanced. I am sure it did balance because the way the money went back in my money came out to the next customer because they did not close the atm behind me. I escalated my issue to corporate and they declined it again. Wells fargo know their atm malfunctioned and took my {$120.00} and is refusing to give me my money. I live pay check to pay check and only work a part time job and I am a single mother. I need my money. I have been waiting since XX/XX/2024 and this has put me in such a bad positon.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (MD)

Dispusted and called company in XXXX account was closed but still on credit report. This is inaacurate. I tried disputing with experian but they have done nothing to help. I have reported ID theft already. See my other complaints with other companies
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On Friday XX/XX/year> I was contacted at my place of work claiming to be an officer. They said I had missed a court date and was being fined {$2000.00}. They told me to first get the money in terms of crypto currency but the machine closest to my location was broken. Then they had me transfer the funds through my 5/3rd account via the XXXX app XXXX I sent {$1000.00} as that was all I had. They confirmed the money was sent and disconnected the call. I then went to the actual police station as I believed I was still in trouble and in contact with actual authorities at that point where they informed me I had been scammed. I filed a police report and sent a fraud complaint to my bank. XXXX  the XXXX I got confirmation that I do not get any of my funds back.
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK (MA)

I was scammed of {$1500.00} through two XXXX transactions ( XX/XX/24 ) after I checked with my bank, East West Bank, to ensure the check the scammer sent me and that I had deposited for over XXXX hours was valid. 
On XX/XX/XXXX, the scammer reached out to me through my email about a voice-over job for a marketing video for their client. They said they would send me a front payment of {$400.00}, but then they said they made a mistake by sending me a check for {$1900.00}. They asked me to deposit the check and XXXX the extra {$1500.00} to an engineer they hired for the same project. I deposited the check on XX/XX/XXXX, checked the company label on the check, which had a XXXX history, and checked with my bank on the XXXX, XXXX days after I made the deposit. 
My bank didn't warn me that the check might be bad or ask me to wait. Instead, they wrote XXXX lines to confirm that I would receive the money by the end of the day with only XXXX words, " if check clears, '' as a condition, which I didn't understand the significance of at that time. So, on XX/XX/XXXX, I made XXXX XXXX transactions ; one was {$1.00} to ensure the scammer got the money, and the other one was {$1400.00}. After I made the transaction, the scammer 's check was " returned. '' I checked my account on XX/XX/XXXX in the morning, noticed the returned check, and sent all my evidence, the email chains between me and the scammer, to my bank 's fraud department. They asked me to wait XXXX days and told me they could do nothing because I " authorized '' the transaction, which I only did because I was led under false pretenses. I called again to ask why the check was returned ; they said it was because they were " unable to locate the account. '' - then why did the bank credit me a portion of the money to lead me to the false conclusion that the check was good?
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I've been looking at my credit report lately because I am trying to get in position to buy a house. I noticed Capital One reporting late payments on my report that is not at all accurate and this information is extremely damaging to my credit worthiness. I was taking a look at my card member agreement and noticed thatI have the right to arbitration in disputes. I am demanding Capital One update these late payments asap as they are a violation of my consumer rights under 15 USC 1666b in which a creditor is not to report late payments. Also I do not give Capital One permission to report any information to ANY third party that is adverse to me the consumer. Time is of the essence
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am unaware of the details of this account on my credit report Per FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. 

This is a breach of contract and an adverse action for exercising my rights. 

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Consumer complaint received 2024-01-29
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. (NY)

On XX/XX/XXXX XXXX XXXX  ( debt collection agency ) stated they closed case XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) No collection ( cancelled /closed/ no longer in collections ) XXXX XXXX  XXXX XXXX XXXX transfer me to XXXX XXXX stated they will take care of all my issues!! 
XXXX XXXX sent me an email stated they closed the account XX/XX/XXXX!!!
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

This situation is not only highly embarrassing but also indicates that either you or the company is accountable for reporting this inaccurate information. Kindly remove any late payment notations and update the status to " paid now '' or " as agreed. '' I consistently make timely payments on these accounts, and I earnestly seek your assistance in resolving this matter.
Consumer complaint received 2024-05-29
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 (VA)

On XX/XX/XXXX, XXXX I booked a room with XXXX by XXXX XXXX XXXX Va on XXXX XXXX XXXX I booked on line and then decided to stay somewhere else. I called the hotel and cancelled the reservation they said no problem, I then called Paypal to let them know I had cancelled the reservtion- this was around XXXX XXXX, I called the hotel back so they could return the payment to Paypal . 
I spoke with the Hotel today XX/XX/XXXX, and spoke with XXXX she said she return {$74.00} where is the rest of the money? I called paypal they said they have received nothing back I have been Woking on this for one month and can not get it resolved. 

I first opened a dispute with Paypal and they ruled in favor of the Hotel- HOW! 
I did not stay at the Hotel not even one night- It was all done on line and by telephone. 
I do not understand why they are not getting this. 
I need some help in this manner- I am not going to pay for service I did not receive I have spoken to about 10 different people at Paypal and the last person was XXXX and she refused to transfer me to a supervisor. They are awful! 
Thanks
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent the investment firm.