davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2024-07-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I called Wells Fargo because I noticed that my high interest CD, opened in XXXX, had withdrawals for federal income tax. I started banking with Wells Fargo more than 10 years ago. I also have a savings account with Wells Fargo that earns interest. There is no backup withholding on this account. Wells Fargo issued a XXXX 1099-INT ( and earlier years ) for the savings account under my social security number. 

When I called Wells Fargo for an explanation, a representative claimed that Wells Fargo didn't have a certified social security number for me on file. This is not true as is evidenced by the XXXX  1099-INT issued by Wells Fargo for the savings account. Wells Fargo never notified me that my CD was subject to back-up withholding. No other 1099-INT issued to me by other banks shows backup withholding. 

Because of the withdrawals for backup withholding of federal income tax by Wells Fargo on the high interest CD, it earns less interest. The backup withholding rate is about 24 %. Because of the backup withholding, Wells Fargo now pays out less interest than legally required.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" 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. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-14
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. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
Consumer complaint received 2023-09-27
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. (TX)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2024-07-17
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. (IN)

This is NOT a duplicate report, and this is not filed by a 3rd party or Credit Repair Agency. I viewed my own reports and have found some errors that should not be on my reports. thanks for helping fix these. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

I was never notified of this fraudulent debt by this collector via mail or given the right to dispute it which is a violation of the FDCPA. And now I do not want to be contacted regarding this fraudulent debt. 

According to FCRA section 605B it is illegal to report information on my credit report without my permission. Thank you please remove this from credit report. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact I am writing to formally demand that you cease and desist all communication with me, effective immediately, regarding the debt referenced by account number XXXX and any other associated. 

As per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am entitled to request that all communication regarding this debt be stopped. Therefore, I am exercising my right to demand that you and your agency cease any further communication with me, except as allowed under the provisions of the FDCPA. 

Please note that any failure to comply with this request may result in further action being taken against your agency. I expect written confirmation within 15 days of receipt of this letter that you have complied with my request. 

Additionally, please be advised that I am aware of my rights under the FDCPA and any further contact from your agency that does not comply with the law will be documented and reported to the appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As a consumer I am protected under federal law however this has not been the case with Transunion. I have notified them that certain information is to be excluded from my credit report but this has not been the case.
Consumer complaint received 2024-06-14
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. (NC)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I was one day late on my care credit payment and charged a XXXX dollar late fee. Per the new rules, this should only be XXXX dollars. Due date is the XXXX if every month. I paid it but know the fee is an overcharge due to the new rule
Consumer complaint received 2024-07-09
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: CREDIT ACCEPTANCE CORPORATION (LA)

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should '' active payment history. This Inaccurate information falsely manipulates the statute of limitation '' Investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights I am demanding a deletion of the following account : Accounts Name : credit acceptance corporation Account Number:XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

There are XXXX XXXX  day Late payments reported to my gm financial account in XX/XX/year> and XXXX XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (GA)

Dispute XXXX : Company Name : XXXX XXXX XXXX  / Date ( XXXX ) : XX/XX/2023 XXXX, XX/XX/2023 The company listed above, I noticed unauthorized inquires on my credit report.
Consumer complaint received 2024-06-14
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-14
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. (LA)

I am writing to formally complain regarding unauthorized credit inquiries and identity theft that have severely impacted my credit report and financial standing. 

Unauthorized Credit Inquiries : On obtaining a copy of my credit report, I observed an unauthorized credit 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  I did not consent to this inquiry nor authorize any entity to access my credit report for this purpose. These inquiries are incorrect, unverified, and unauthorized. They are negatively impacting my credit score and loan applications. 

I request that this inquiry be investigated and removed from my credit report immediately, as it does not have a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I have been a victim of identity theft resulting from a data breach compromising my Social Security number. To address this, I have filed an FTC Report, a copy of which is enclosed with this correspondence. Under 15 USC 1681c-2 ( a ), you are required to block and remove all information associated with this identity theft from my credit report within four business days of receiving this complaint. 

Details of Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been reported without my written consent, violating 15 U.S. Code 1681b. As such, they must be immediately removed from my credit report. 

Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failure to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation under 15 U.S.C. 1681i ( 7 ) - Method of verification Violation under 15 USC 1681a ( 4 ) - Right to privacy Violation under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I demand immediate action to block and remove these fraudulent accounts and inquiries from my credit report. Should you find any authorization that was supposedly obtained for these inquiries, please provide such documentation promptly. Failure to comply will result in me seeking monetary damages through small claims court. This complaint has been shared with the Attorney General 's Office, the XXXX XXXX XXXX  and the Federal Trade Commission. 

Please acknowledge receipt of this complaint and provide a timeline for its resolution. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (CA)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I am writing to formally dispute the debt referenced by account number XXXX recently received communications rregarding this debt, and I am requesting validation and assignment of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ).

To assist in my review of this debt, please provide the following information : 1. Verification of the Debt : The original amount of the debt, the current amount, and a detailed account of any interest, fees, or charges that have been added.

2. Assignment of Debt : Documentation evidencing that the debt has been legally assigned or sold to your company, including the date of the assignment and the terms of the assignment or sale. 

3. Original Creditor Information : The name and address of the original creditor, as well as any account numbers associated with the debt when it was held by the original creditor.

4. Payment History : A detailed account of the payments made on the debt, including the dates and amounts of these payments.

5. Contract or Agreement : A copy of the original contract or agreement that created the debt, bearing my signature.

I kindly request that you cease all collection activities, including phone calls and written communications, until you have provided me with the aforementioned documentation. Failure to provide this information within 30 days of receipt of this letter will result in my considering the debt invalid and may prompt further action on my part to dispute this debt with the relevant credit reporting agencies.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation to resolve this dispute.