davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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. (CA)

This letter serves as a formal dispute under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically invoking 15 U.S.C. 1681c-1 ( b ) ( Section 605B ), and addresses the serious issue of a data breach that has compromised my personal information. 
Dispute of Inaccurate Information I am disputing the following inaccurate and fraudulent information appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No Name on Account XXXX Nature of Dispute : Account opened fraudulently due to identity theft ; this account does not belong to me. I demand that this fraudulent information be immediately removed from my credit report, as mandated by Section 605B. Under 15 U.S.C. 1681c-1 ( b ), you are required to block this fraudulent information within four ( 4 ) business days upon receiving my request, supported by an identity theft report ( enclosed ). 

Failing to comply with this statute subjects your organization to penalties and legal action, including compensatory and statutory damages. You are obligated to investigate and correct this issue, and I expect a formal confirmation of the deletion within the legal timeframe. 

Identity Theft Report and Supporting Documentation Attached you will find my Identity Theft Report and supporting documentation, which includes : A copy of my FTC identity theft affidavit. 
Relevant proof of my identity drivers license, ssn. 
This documentation further validates my claim and obligates you to take immediate corrective action under Section 605B of the FCRA Data Breach and Negligence It has come to my attention that my personal and financial information may have been exposed as part of a recent data breach involving your organization. This data breach has led to unauthorized accounts and activities being reported on my credit file. 

Under the FCRA and relevant data privacy laws, your company is responsible for safeguarding my personal information. I demand an immediate investigation into the security breach.
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (SC)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AND XXXX AND XXXX XXXX  XXXX XXXX In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2024-10-03
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. (MN)

i found fraudulent accounts on my credit report that are not mine and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, i contacted them and seems that they dont even know whats going on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX, P.A XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have filed dispute charges several times for unauthorized charges on my capital one credit card. I have made several attempts to cancel my crunch fitness gym membership dating back in XXXX. XXXX XXXX refused to cancel. 

So, I contacted my capital one credit card submitting charge disputes. I provided information of the situation, such that they removed the charges from the credit card. Additionally they communicated they would block all future charges from crunch fitness gym. 

However, I see the charges removed from my credit card by crunch fitness, but, a new charge has taken place from crunch fitness in the amount of XXXX. Therefore, they did not block nor prevent any future charges. 

I have contacted capital one several times today, where I am not getting through, much less getting this matter with crunch fitness resolved.
Consumer complaint received 2024-10-03
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 had a personal loan taken out in my name using my personal information that i did not consent to, I am a victim of identity fraud. This personal loan was done through XXXX XXXX with the amount of {$260.00}. I noticed this when I had checked my credit score around the end of XXXX through Experian. I had contacted Experian and informed them that their was a personal loan on my credit score that I had not made. They did an investigation and found that i was liable for the loan despite my claims of identity fraud. I then informed affirm inc of my identity fraud and had them launch and investigation only for them to come back and tell me the same thing, I would still be liable for the loan.
Consumer complaint received 2024-10-03
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. (VA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-03
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)

i ve been living in XXXX for years and i came back a month ago to see my kids and my son checked my credit report and found fraudulent accounts and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, i contacted all of them and showed them that i ve been living outside the united states for over 10 years and no one responded to me XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2023-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Of course, here 's a combined version that includes both the extended information about various businesses and the edits you requested : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX I'd like to bring to your attention a recurring issue I've encountered with multiple businesses, including XXXX XXXX, XXXX, XXXX, and XXXX. These businesses all process payments via ACH direct debit, using my bank accounts at XXXX, XXXX, and XXXX XXXX. 

The common problem I've experienced with these businesses is as follows : I am initially alerted that the payment has been received successfully. However, I never receive any notification when a subsequent payment is returned due to insufficient funds. Strangely, when these businesses attempt the payment again, it often goes through successfully, even though there have been no changes to my account balance. It appears that there were sufficient funds all along. 

Curiously, neither my banks nor the businesses in question alert me or document the return or retry payment. This lack of communication goes unnoticed, resulting in fees being charged. Due to delays in billing and a lack of timely notifications, I was unable to verify whether the NSF ( Non-Sufficient Funds ) return was indeed valid. 

This recurring issue has had a significant impact on my financial situation, and I believe it's crucial to address and rectify these problems with multiple businesses. 

I'd also like to inquire about the appropriate steps and authorities to report these issues to, as I am seeking assistance in resolving this matter and preventing such incidents from occurring in the future. Your guidance and support would be greatly appreciated. 

XXXX has reported late payments on months that a had deferment agreement and on months were a loan payoff was being processed. My account was left as late and the last payment is undocumented. Marking closed and paid still leaves this account negatively closed and dose not explain that I satisfied the loan. I understand that months late will stay on my record but there are more then half that should not be marked.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

XXXX XXXX XXXX XX/XX/2023 {$860.00} i reach by phone and spoke with a rep, i ask where did they get this info from because i have no knowledge of it i ask from photo id i ask for signing proof i ask for time, and place, never provided any legal info no court papars told them this is fraud,
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NY)

Subject : Issue with Missing Welcoming Bonus Rewards Points on XXXX XXXX XXXX XXXX  I am writing to report an ongoing issue regarding the missing bonus rewards points on my XXXX XXXX XXXX XXXX  The credit card was opened on XX/XX/, under the promotion that I would receive XXXX bonus points if I spent {$3000.00} within the first 3 months. 

From my perspective, I took active measures to ensure I qualified for the bonus points. Starting from XX/XX/XXXX to XX/XX/, I contacted Wells Fargo and XXXX XXXX  multiple times via phone calls and email communication ( with evidence base ). During these interactions, I was consistently informed that I qualified for the XXXX points and that it would take 8-12 weeks for the points to be credited since XX/XX/. To ensure proper documentation, I also sent an email as evidence of our conversations. 

Despite my efforts, each time I reached out, I was either transferred to different departments or told that I was indeed qualified for the points. I persisted in my attempts to resolve the issue, hoping that the points would be credited. However, on XX/XX/, I decided to visit a physical store location and personally spoke with an agent to seek assistance in filing a case. To my surprise, after a week, I was told that I did not qualify for the points after they investigated my case. 

I want to emphasize that I spent more than {$3000.00} within the specified timeframe, which should have met the spending requirement to qualify for the bonus points. However, despite my expenditures exceeding the necessary threshold, the company stated that only {$2500.00} qualified for the promotion. 

However, I would like to emphasize that if I had been notified of my disqualification at the time of my active inquiry, I would have been able to effortlessly complete the required expenses for the promotion. 

This discrepancy between my actual spending and the amount they deemed eligible raises concerns about their communication and adherence to the terms and conditions of the promotion. It suggests a lack of transparency and clarity regarding how they determine qualified spending. 

I kindly request your assistance in addressing this matter and resolving the issue of the missing bonus reward points. I believe that the discrepancy lies in the miscommunication and contradictory information provided by Wells Fargo and XXXX XXXX. 

Thank you for your attention to this matter. Please let me know if any additional information is required to initiate an investigation or provide resolution.
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

I had five calls right in a row from Comenity Bank regarding my woman within credit card that is less than 30 days late. I called them last week to let them know that if they dont stop calling that they will hear from my attorney. This morning, the same thing happened, this time it was five calls right in a row. I called them again and advise them again of the same thing and to please stop calling me. So Ive had 10+ phone calls from them within the last six days.
Consumer complaint received 2023-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (DC)

I am writing to file a formal complaint against Acima, a Lender that has recently been involved in violations related to my credit file. I believe that Acima has failed to comply with fair debt collection practices, specifically in the handling of subsequent sale to another lender without providing me with written notice. 

The first issue pertains to the lack of proper notification concerning the charge-off of a debt held by Acima and its subsequent transfer to another creditor. Despite the debt being charged off and sold to another lender, I did not receive any written communication from Acima notifying me of the charge-off or the transfer of the debt. This failure to provide clear and timely notification infringes upon the requirements outlined in the FDCPA. 

Furthermore, there appears to be a discrepancy regarding the reporting of the charged-off debt. Despite Acima having sold the debt to another Lender, they continue to report the debt. This raises concerns about inaccurate reporting and the potential for double-counting the debt, which not only affects my credit profile but also violates fair reporting practices. 

I believe these actions by Acima represent violations of the Fair Debt Collection Practices Act, specifically Section 1692e, which mandates clear and accurate communication regarding debt collection and reporting. I have made multiple attempts to resolve these issues directly with Acima but have not received satisfactory responses or resolutions. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly. I would appreciate your assistance in ensuring that Acima complies with the laws governing fair debt collection practices and reporting standards. Additionally, I kindly ask for guidance on how to proceed and seek proper redress for these violations. 

Enclosed, please find copies of relevant documentation supporting my claims, including any correspondence with Acima regarding this matter. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I have requested for my name to be corrected. They are listing numerous names on credit report and that should be only one. Also, there is an address ( s ) listed one my report that shouldn't be as well for I have only one address. I have sent numerous letters with proper identification and a bill each time I have sent anything to this bureau.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -i ) promptly delete that item of information trom the tile of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 
Accounts XXXX XXXX, Account # XXXX Amount {$2900.00}
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.