davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clark County Collection Service (NV)

My rights were violated with this collection. i WAS not given time or noticed to dispute this collection. They did not provide proof that I received any notice that they claim to have sent and I was so stressed I paid the collection. i was then sent a pay to delete letter and they only marked the account as closed and not deleted as per the agreement and contract.
Consumer complaint received 2024-08-28
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. (AL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-31
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. (GA)

I have recently discovered that there is unauthorized intormation in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. l have reported the theft of my identity to the Federal Trade Commission 's Identity Thett Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-19
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

Upon cancelation of services with XXXX XXXX, they began to send me a false bill for the month after I canceled and returned the equipment. I stated to them I felt it was in retaliation for canceling and apparently this is a problem with many other people who also canceled with then. Part of their retaliation was to send the false bill to a debt collector who calls me now just about everyday for the last few months. Sometimes twice a day. I have reached out to them after they sent a letter about this false debt het they continue to call me daily.
Consumer complaint received 2024-09-10
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - Balance {$5000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2900.00} -Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$990.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX 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 2024-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (MD)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-06-05
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Hi my name is XXXX XXXX XXXX XXXX short term Back in XXXX someone took about XXXX dollars out of my north carolina bank of america prepaid account. Im a victim of identity theft and was impacted the hardest in XXXX and was XXXX XXXX XXXX XXXX. It has caused me to be homeless and a hardship with my babies.im a single father. I filed the 3 claims with bank of america prepaid. 2 of em in XXXX and XXXX in XXXX. Ive been going through this for 2 years .claim numbers are XXXX i gave them everything they needed to prove i didnt authorize anyone to do this to me.i took the steps to get this right and they kept denying me! I was telling them to check cameras.i never gave someone authorization to use my social. I was begging them at a point before i got evicted. In XX/XX/XXXX my mother had paid rent and deposit for me and my babies due to my XXXX XXXX XXXX I had a incident that happened in XXXX due to a XXXX XXXX And i feel like if i can get this handled i can catch this evition notice so i wont be homeless. I dont wan na be homless with my babies anymore thats why this has been a priority to get this handled. I provided Them MY- FTC IDENTITY THEFT REPORT -POLICE REPORT -FINANCIAL HARSHIP STATING HOMELESS AND -MORE DOCUMENTS PROVING I WASNT THE ONE AND VICTIM OF IDENTITY THEFT
Consumer complaint received 2024-06-05
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Back on XXXX someone took about XXXX dollars in my bank of america prepaid account. I am a victim of identity theft and was impacted the hardest in XXXX and was pysically and mentally impacted. It has caused me to be homless and a hardship with my babies as a single father. I filed the XXXX claims with bank of america XXXX XXXX of em in XXXX and XXXX in XXXX. Ive been going through this for XXXX  years .claim numbers are XXXX i gave them everything they needed to prove i didnt authorize anyone to do this to me.i took the steps to get this right and they kept denying me! I was telling them to check cameras.i never gave someone authorization to use my social. I was begging them at a point before i got evicted. In XX/XX/XXXX my mother had paid rent and deposit for me and my babies due to my gunshot wound incident that happened in XXXX due to a robbery wrong, And i feel like if i can get this handled i can catch this evition notice to. I dont wan na be homless with my babies anymore thats why this has been a priority I provided MY- FTC IDENTITY THEFT REPORT -POLICE REPORT -FINANCIAL HARSHIP STATING HOMLESS -MORE DOCUMENTS
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing and furnishing of my information. I requested to opt out of those activities but Wells Fargo N.A. continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against Wells Fargo and its assigns, affiliates and non affiliates on handling my private accounts. Attached is demand affidavit and agreement.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (MO)

I sent a letter asking to reinvestigate the accounts listed below I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX # XXXX {$6600.00} open dates are not reporting correctly, the date last active, date of last payment is not correct, wrong spelling of my name, charger offs, incomplete account numbers, inaccurate information, closed account. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX | ( XXXX ) XXXX Can you look into this matter?
Consumer complaint received 2024-06-19
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Larry H. Miller Group of Companies (IN)

The week of XX/XX/XXXX, I received a called from a XXXX with prestige financial about a years old debt. I asked her why she deemed it appropriate to call me at work and how did she get that information. They do not have permission to call my place of employment as I have not given them consent to do so.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (GA)

Self had being illegally violating my rights as a consumer, by reporting my information to consumer reporting agency ( XXXX, XXXX, XXXX ) .15 US Code 1681 ( b ) - Permissible purpose of consumer reports states that any consumer report agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) in accordance with the written instructions of the consumer whom it relates. I did not give verbal or written consent to any consumer reporting agency to share my information. This is a clear violation of my rights under 15 US Code 1681 ( b )
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (VA)

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX  on XXXX XXXX, 2023 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX INNOVIS, XXXX XXXX XXXX XXXX XXXX  HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MO)

I sent a letter asking to reinvestigate the accounts listed below I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
NCB Management Service # XXXX {$6600.00} open dates are not reporting correctly, the date last active, date of last payment is not correct, wrong spelling of my name, charger offs, incomplete account numbers, inaccurate information, closed account. 
NCB Management Services XXXX XXXX XXXX, XXXX, PA XXXX | ( XXXX ) XXXX Can you look into this matter?
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/XXXX XXXX Wells Fargo Rewards sent a check with my maiden name. Called Rewards to inform them that check had maiden name and must be reissued to current name. Rewards stated that they didn't have options to update name that it must be done with Credit Card. Told Rewards that Credit Card has had it updated since XXXX. Rewards stated that it had to get done through the Credit Card department. Got transferred over to Credit Card department and they told me that my information was updated that Rewards had to update it on their end. I got transferred over to Rewards again and they once again told me that it was Credit Card who had to do it. Agent wanted to transfer me over back to Credit Card. I explained the situation, told them I was just transferred from Credit Card and requested to speak to a supervisor. The agent then proceeded to tell me he had no supervisor. I got very upset and told him that my situation was above his pay grade level that it had to be handled with a supervisor and he refused to transfer my call to a supervisor as requested and proceeded to terminate my call claiming that he couldn't verify me despite me giving my card number, social, and both last names!
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/2024 Filed initial report disputing unauthorized charges/electronic funds transfers at Truist Bank 's XXXXXXXX XXXX XXXX NC branch in the amount of {$5900.00}. The teller would not include transactions more than 45 days old. 

XX/XX/2024 I received a letter from Trust informing me that they had denied {$3100.00} of my claim. They issued a provisional credit for {$2800.00}. 

XX/XX/2024 I met with branch manager at which time he filed an addendum dispute claim in the amount of {$4700.00}, all for unauthorized charges/transfers. 
I'm waiting for a reply currently.
Consumer complaint received 2024-05-01
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. (PA)

On XX/XX/year> I sent EQUIFAX a NOTICE regarding adverse accounts on my consumer report. As of XXXX, XXXX  I have not received a response. this is the NOTICE I sent EQUIFAX : Re : XXXX XXXXXXXX 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 EQUIFAX is the Consumer Reporting Agency, and I am the Consumer.

15 USC 1681 602a ( 4 ) of the FAIR CREDIT REPORTING ACT, " There is a need to ensure that Consumer Reporting Agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 6801 ( a ), " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681b a ( 2 ), " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 15 USC 1681C ( a ) ( 5 ), " Except as authorized under subsection ( b ), 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. '' I have been granted the right to ensure my private information isn't shared and I was never informed of my right to exercise my nondisclosure option. The above re : accounts are adverse items and are reporting without my permission and EQUIFAX is not maintaining reasonable procedures. I require Deletion of re : accounts.

Also, 12 CFR 1016.7, A consumer may exercise the right to opt out at any time. This is NOTICE that I am opting out of your reporting services of the above mentioned re : accounts. The financial institution and the Consumer Reporting Agency EQUIFAX do not have my consent to furnish this information and they certainly do not have my written consent. To be clear, any and all consent to EQUIFAX, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED on the ABOVE MENTIONED RE : ACCOUNTS.

Exercising my protected Consumer Rights,
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I was in contact with wells credit card department I had scheduled a payment so they wont close my account they told me to make the payment so the account can remain open and they did schedule the payment and it was processed and they still closed the account even though the payment was made
Consumer complaint received 2024-05-01
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. (MA)

incorrect personal information as in compliance of FDCPA Section 807 Violation Misleading False must be remove in my report and monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the personAccounts listed below in XXXX XXXX highlight text accounts in status incorrect personal information as in compliance of FDCPA Section 807 Violation Misleading False Reporting Must be deleted Immediately!.

items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I XXXX XXXX call customer service at XXXX ask them to remove or close my XXXXXXXX XXXX XXXXy because they did with no problem. Then I call TransUnion to ask them the exact same thing. And every one of them gave me the wrong information as three wrong phones number. I just need my information on my credit report up dated and it's been up there for 8 years.
Consumer complaint received 2024-05-01
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. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) i'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.