davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (TX)

Subject : Cease and Desist Request Regarding Violation of 15 USC 1692c ( c ) Dear American First Finance, I am writing to report an incident of unauthorized debt collection attempts made by American First Finance. Despite the debt not being owed by me, American First Finance acct # XXXX persistently attempted to collect it, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). The incident occurred over the past several years, during which American First Finance repeatedly contacted me, claiming that I owed a debt to American First Finance. However, upon investigation, it was discovered that this debt was not mine and was, in fact, a result of identity theft. Despite providing evidence and documentation supporting this claim, American First Finance continued their collection attempts. Furthermore, American First Finance repeatedly contacted XXXX regarding this unauthorized debt. This violates my rights under the FDCPA, as it constitutes harassment and false representation of the debt, as outlined in 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). Numerous attempts were made to communicate with XXXX XXXX XXXX to cease their collection efforts and rectify the situation. However, they persisted in their attempts to collect the debt, disregarding my rights as a consumer. As per the FDCPA, debt collectors are prohibited from attempting to collect debts that are not owed by the consumer and from engaging in harassing or deceptive practices. The fine for violating these provisions can range up to {$1000.00} per violation. I urge you to take appropriate action against American First Finance to ensure that they cease all collection attempts related to this unauthorized debt, refrain from contacting the credit bureaus, and to impose the appropriate fines for their violation. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-01-06
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. (CO)

I am formally requesting with this letter to remove the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Halsted Financial Services, LLC. (TN)

I received a call from Halstead financial services llc, threatening me to pay money from rapid cash or I would go to jail. They also said they bought the information from XXXX XXXX XXXX. when I called XXXX XXXX XXXX they claimed they were a Credit repair company and had no idea when I gave them the information to prove that they stole my identity and gave it to an XXXX call center using Halstead financial LLC as their business contact point. XXXX XXXX services immediately says they gave that information to them yet they are not liable for what they do with it. This is identity theft at its highest. Halstead financial services LLC is using overseas call centers with private American information and asking for your Social Security number. This is highly illegal for both companies.
Consumer complaint received 2024-05-18
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: Experian Information Solutions Inc. (AZ)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION oXXXX XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : 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 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 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 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 XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-05-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Larry H. Miller Group of Companies (IL)

I was never notified that the alleged debt was going to be written off. The company is reporting inaccuracy payment history. If the debt is written off which means it was cancelled the company can not continue to collect on a debt that was written off. When a debt is written off/cancelled a 1099C form is to be filed with the IRS letting them know the debt is written off. I have not received any letter stating that this debt was written off nor have I received the debtors copy of 1099C. The company does not have my permission to sell the debt either if the allegedly have written/cancelled it. If this matter can not be resolved I will be contacting the IRS for failure to properly report that the debt was written off. I will also be making a report to the XXXX  XXXX police debt for fraud.
Consumer complaint received 2024-01-06
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 2024-01-06
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. (AR)

I hope this letter finds you in good health. I am writing to express my dissatisfaction and concern regarding the persistent reporting of a late open account on my credit report, despite my numerous attempts to correct this error through your dispute resolution process. 

I have submitted multiple dispute requests, accompanied by supporting documentation and evidence, to rectify the reporting of the late open account on my credit report. Unfortunately, despite my best efforts, the correction has not been made, and this error continues to adversely impact my creditworthiness. 

I kindly request the following actions be taken promptly : Conduct an immediate and thorough investigation into the reporting of the late open account on my credit report.

Provide a detailed explanation for the repeated failures to correct the reporting despite multiple dispute submissions. 
Expedite the necessary corrective measures to update my credit report accurately and remove the late open account. 
Furnish written confirmation of the resolution, including a clear timeline for completion. 
In consideration of the persistent challenges faced in resolving this matter, I expect a resolution within the exact timeframe from the date of this letter. The ongoing reporting of this late open account has caused undue stress and has negatively impacted my financial standing.

Failure to address this complaint promptly may compel me to escalate the matter to regulatory authorities, and I may seek legal counsel to protect my rights as a consumer. I am asking for your assistance to correct this late open account in my credit file : DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4600.00}.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

And I also want to express myself I was always charged a lot of time sometimes the bank will catch it but I've been with you all since XXXX  and one time I was visiting Texas I had a pretty good amount of money I had a savings and checking at the time I was treated very badly inside the bank due to this lady saying that I was it wasn't my signature I can't write very well I was I was sitting in the lobby for a long time the lady would not let me get any money out it was in XXXX Texas and you can go look it up but like I said I've been with y'all a long time they have over me a lot of times they used to send me checks when they would do bad stuff but I don't know what's going on I don't know if I was into some fraud I ain't know nothing about I don't know but I just need somebody to look into that I was overcharged me for years I '
Consumer complaint received 2024-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Account continues to be reported as having a monthly payment history, even though it should not be due to its late and/or charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. It is illegal to submit data without permission and it should be removed. I have requested removal previously and haven't received any resolution.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (CA)

I have been monitoring XXXX for years preparing for a home purchase. I am able to log in, my info is accurate, and my score is excellent. There is no freeze or fraud alert on it that I can see in my portal. But, when factual data goes to pull it so I can buy my house, XXXX refuses to comply and indicates I need to give a global release. I called XXXX. That doesnt exist. They wont let me lift any freeze, it shows there isnt one, and they stated the only way to get them documents is to snail mail it. This is outrageous. Its not my fault their system wont work. Theyre costing me a house! They couldnt tell me what was wrong. They just told me to mail it. It was a middle finger at me.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Tally Technologies (PA)

I was a victim of identity theft. I lost my wallet in XXXX which led someone to have access to alot of my documents including my social security card. I am in the start-up process of wanting to buy a home but upon doing a credit check, I see accounts on my credit report that have no affiliation to me. I made a police report. The police report DC # is XXXX. Please note that I am currently waiting on a physical copy. 
These accounts were all disputed. These accounts consist of : COLLECTIONS : XXXX XXXX ( original creditor XXXX XXXX XXXX  ) {$470.00} ; started reporting on credit XX/XX/XXXX. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$8600.00} started reporting on credit XX/XX/XXXX. 

ACCOUNTS : XXXX XXXXXXXX XXXX  " paid/closed '' ; reporting on credit XX/XX/XXXX. 
XXXX {$2400.00} & {$3300.00} XX/XX/XXXX. 
XXXX  {$4500.00} XX/XX/XXXX. 
XXXX  XXXX {$1300.00} XX/XX/XXXX. 
XXXX XXXX {$1700.00} XX/XX/XXXX. 
I have disputed these accounts with the bureaus and no action has been taken. Again, I am a victim of identity theft. Very important documents were in the hands of people other than myself and have been used to open accounts in my name. Which is why I filed the police report. photo of police report number is attached
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I have a utilities bill debt that looks to have been purchased by a company called BULLCITYFINANCIAL. I disputed it via experian and I lost my dispute. 

Basically what happened is my apartment complex swapped from us paying the utilities directly to them paying utilities and us paying them. At the same few months this was happening, I had moved from XXXXXXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. I literally moved to the apartment next door. So for the months BULLCITY is trying to get me to pay for, I was no longer living in the apartment and was already paying my complex directly for those months. My apartment complex should have been covering my old apartment, they're trying to get me to pay for an apartment while I wasn't living in it and since I didn't live there I never received any mail communication, and hadn't thought of this at all when I moved again because I was up to date on all rent. The apartment XXXX who was employed at the time I was living in the complex has moved to another company as well so I can not contact the apartment complex as they've had full staffing turnover. 

I tried to explain this and provide email evidence in the past, but since I didn't expect this I wasn't exactly building a case for paying utiltiies for a place I wasn't living in. XXXX also is missing one of my addresses from the profile, and has an address from a place I've never lived and I'm working to get that information corrected.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX  XXXX Date Opened : Open Date XX/XX/2020 Balance : {$20000.00}
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Inaccurate addresses : 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
Consumer complaint received 2024-05-24
Product: 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. (IL)

I purchased XXXX prepaid, Visa gift cards. Each time I attempted to use the cards my transaction was rejected by the issuer. The issuer is XXXX XXXX, the cards are serviced by Incomm Financial Services. 

Pathward/Incomm routinely blocks legitimate transactions under the guise of " consumer protection ''. They do so in the hopes that delaying the spend down on the cards will lead to windfall and unmerited profits for the issuer. How? By frustrating users and rejecting consumer purchases, chances increase that users will simply give up and not use the cards. By frustrating users and delaying spend down chances increase that users will misplace their cards. This is unethical behavior. 

I have been forced to endure lengthy delays, lost submissions and poor customer service on the numerous occassions on which I have forced to seek refunds and card replacements from XXXX/Incomm. That is why I now appeal directly to CFPB in the hopes of not only receiving a refund for these XXXX cards, but some action on the part of CFPB to sanction XXXX/Incomm so that the entities stop this eggregious behavior.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, My capital one credit was was stolen from me, and when my card was stolen they used my capital one card for purchases which got approved. Due to those fraudulent purchases my capital one card went 30 days late. I right away called capital one when I noticed these and disputed those fraud transaction and they verified due to the fraudulent transaction they will remove the 30 day late they reported to XXXX XXXX and XXXX. Which they did remove. I have attached my XX/XX/XXXX credit report which you will see capital one removed the 30 day late they reported in XX/XX/XXXX and is showing the account as current for that month. After 3 months passed capital one reported the 30 day late back which I was in complete shock because that issue was resolved. I called them and they don't see the problem and I am having a hard time explaining the situation to them because everytime it is a new employee and they don't know what to do. I need this 30 day late removed from XXXX XXXX and XXXX reports because it is inaccurate and was due to fraud charges, and it is affecting my life. Below I have also attached my XX/XX/XXXX credit report which you will see the late is back and reporting on my credit. Please help me resolve this issue like it was originally. Thank you
Consumer complaint received 2023-12-07
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)

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.