davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I am writing to inform you that theirs a negative items on my credit report have passed the statute of limitations and should be removed from my credit report immediately. These item is no longer legally collectible, and their presence on my credit report is unfairly impacting my credit score. 

The negative items in question is : XXXX. XXXX XXXX XXXX ACCOUNT NUMBER # XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove negative items from a consumer 's credit report after they have passed the statute of limitations. 

I have verified that the items in question have passed the statute of limitations in my state, and I request that you remove them from my credit report immediately. Their continued presence on my credit report is in violation of the FCRA and is unfairly harming my credit score and my ability to access credit.
Consumer complaint received 2023-08-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern this is not a third party so stop sending me letters to my house saying third party this is me XXXX XXXX XXXX XXXX PERSON THEYRE ARE these items in my credit file are from unauthorized I CALLED XXXX XXXX TIMES THEY ARE ABUSING ME MENTALLY N VERBALLY IM AM CURENTLY GOING THORUGH a XXXX  situation with my child father and I am living in a homeless shelter with my kid because XXXX won't delete these XXXX accounts which isn't mines they keep telling me they need the proper documents I sent them numerous time actually I have tracking number also # XXXX with XXXX they keep ignoring me and promising they would delete it in 4 Buisness days BLOCK AND DELTE IT OFF MY CREDIT they keep lying to me repeatedly im losing sleep I cant eat my mental is very bad because of XXXX ruining the character of my name and household I cant even get a house to put my kids in I didn't even use of my social security number and card. i did not authorize these accounts to be taken out in my name nor they relate to anything I did.they keep saying they waiting for a response from the company its been 4 months n no response from the company im unaware of accounts any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. I XXXX XXXX I'm writing to you to ask that you get rid of this erroneous information about me as a natural person from my credit report. There is a list of the things I want removed in the ftc report. Because I never gave any of these businesses my written consent or a valid purpose, which corporations are required by law to have, I am definitely a victim of identity theft. These unfair, deceptive forms are hindering my ability to use consumer credit to buy a home for my family, therefore I'm really asking the consumer to delete the inaccurate information from my consumer report in order to fix my consumer report. I NEED HELP SOMEONE HELP ME PLEASE
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2023 XXXX and XXXX XXXX on behalf of Wells Fargo filed a lawsuit to attempt to collect a debt not owed as a result of identity theft. On XX/XX/2023 Wells Fargo attempted to validate the debt through case number XXXX regarding the account ending in XXXX. Through the debt validation process, Wells Fargo confirmed the debt was a result of fraud and I was not responsible for the amount in question. The creditor, Wells Fargo has removed this item from my credit report, but XXXX and XXXX still have a lawsuit and are continuing to collect on a debt that is not owed.
Consumer complaint received 2023-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (NM)

I authorised a final payment with NFCU on XX/XX/XXXX for my account and provided my bank account information. Now nearly a month later they have not only failed to process the agreement but claim when I call that it should have been completed by now.
Consumer complaint received 2023-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Uplift, Inc (NC)

I am an XXXX XXXX XXXX currently on XXXX XXXX. When I took out the loan, I was still XXXX XXXX and on XXXX. 

Firstly, I am unsure if this company was allowed to charge me an interest rate of more than 6 %. They charged 29 %, I believe. 

I was paying the loan off through XXXX and I believed the account was paid in full. 

I discovered months later that I had a balance of XXXX which Uplift had placed on my credit report. This decreased my score by over XXXX points. 

As an XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I dont always have opportunity to check my credit, but I do make sure that I pay my bills on time every month. 

Uplift refused to remove the negative marks from my credit despite these facts. My credit is suffering as I serve this country because of XXXX XXXX XXXX. 

I have notified my XXXX and if this is not resolved, this company may be blacklisted. This will save other soldiers from going through what I am going through now. 

When I come home in XXXX, I had hoped to buy a house. I am uncertain if I will be able to do so now because of Uplifts unwillingness to support hardworking servicemembers.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (MS)

Equifax is continuously getting this account wrong this account is closed the other two credit bureaus got it right the Equifax keep getting in this wrong my account with dream spring is closed it is paid in full
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo is the holder of a line of credit I received through XXXX XXXX XXXX. Im not sure if its considered a Wells Fargo credit card because it has a higher balance than what I utilized from the store. They have informed me that there is a policy that any late payment, even by one single day, is subject to fines that can not and will not be discharged or waived. There is no recourse the public has to contest these fees. There is absolutely no grace period for this either. I had attempted to explain a number of health issues and hospitalizations and technical issues on the side of Wells Fargo that has prevented timely payments.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I pulled a copy of my Equifax credit report on XX/XX/XXXX, and after reviewing the information, I noticed that Equifax have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/XXXX and have been on my file since then. I have disputed this information with XXXX to get no response, or just completely ignore the fact that the information, is incorrect. XXXX is in violation of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX XXXX The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. So how is this placed on my consumer file, since the court did not furnish this information to Equifax.
Consumer complaint received 2023-09-25
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. (GA)

I received my received my credit report on XX/XX/2023, from XXXX, Experian, and XXXX. Some information I do not recognize and inquires I didn't not authorize
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting this account has violated my rights.

15 U.S.C 1681 section 602 A. States that I hae a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-08-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-25
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)

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations. Please certify that all claims are true and accurate, complete, and timely reported.
Consumer complaint received 2023-03-10
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. (IN)

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.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) Sections 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 pf 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 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Complaint against TRANSWORLD SYSTEMS for Violation of Consumer Laws Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSWORLD SYSTEMS for alleged violations of consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. 

1. **Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : ** TRANSWORLD SYSTEMS has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. This action is in direct violation of consumer rights. 

2. **Denial of Opportunity to Dispute Account ( 12 CFR 1006.34 ( c ) ( 4 ) ) : ** I have not been given an opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ). This denies me the right to verify the accuracy of the information being reported. 

3. **Use of False, Misleading, and Deceptive Means : ** TRANSWORLD SYSTEMS is allegedly using false, misleading, misrepresentative, and deceptive means in its collection practices. Such actions are in clear violation of consumer rights. 

4. **Furnishing Information Without Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) ) : ** The collection agency has no authority to furnish any account to a consumer reporting agency without providing all disclosures required by law. This constitutes a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Revocation of Communication Rights : ** I dispute all debts claimed by TRANSWORLD SYSTEMS, and I am hereby revoking all rights for them to communicate with me. Any contact after this complaint is filed will be a violation of 15 USC 1692K FDCPA, and they will be liable for {$1000.00} for each violation. 

6. **Request for Purchase Agreement and Proof of Licensing : ** I request TRANSWORLD SYSTEMS to provide the purchase agreement between XXXX XXXX XXXX and the original collector. Additionally, I am requesting proof of licensing and bonding to ensure compliance with applicable laws. 

I kindly request the Consumer Financial Protection Bureau to investigate these alleged violations promptly and take appropriate action against TRANSWORLD SYSTEMS. I appreciate your attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under law 1562 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX  Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : EXXXX XXXX XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : DEPT OF ED/XXXX Account Name : 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. States : It also states a consumer reporting agency can not furnish a account with 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 than adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- ( A ) ( 1 ) A person may 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 2023-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

The XXXX XXXX  is sending me letters in the mail about a debt I do not have with them. I closed out an account with my original creditor. This XXXX XXXX calls me every day and leaves me voicemails. I do not owe them anything.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information on my consumer report was not accurate and I did not give any kind of consent for my personal information to be shared my right to privacy has been violated I have been under mental distress because of my privacy being violated and the consumer selling my information to third party organization I request that the inquiries be removed off my report immediately or I plan to take legal action I'm aware of my open end credit plan
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (MN)

Please see the attached Rebuttal Letter regarding Ombudsman CFPB. 

Subject : My complaint letter for your attention Email body : To whom it may concern, Please be advised that I have been scammed by a fraudulent company and individual and the payments were authorized and proceeded by your organization. 
I have attached my complaint letter for your reference, I ask you to treat this matter seriously.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-05-19
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

I recently submitted an application for a credit card with XXXX, which was unfortunately declined due to their adherence to the XX/XX/24 rule. According to this rule, I am purported to have opened five credit card accounts within the past five months. This, however, is not an accurate representation of my activities. 

XXXX communicated to me that my XXXX Credit Report indicated the presence of a credit card account with Self.inc. While it is accurate that I maintain a Self.inc Credit Builder account, I have never been consulted about or consented to the opening of a Self.inc credit card associated with this account. 

Interestingly, the Self.inc website highlights the availability of a credit card that does not necessitate a hard credit inquiry, stating : " No hard pull on your credit Your card is secured with the money youve saved with your Credit Builder Account Designed for building credit with responsible use '' It is my understanding that this credit card may already exist within their system and has been subsequently reported to the credit bureaus. I would like to stress that I have no interest in maintaining this card and wish to have it cancelled and its records expunged from the credit bureaus. 

Perusal of their FAQ provides the following information : " Cancel your Self XXXX Credit Card account by calling us at XXXX. Please note that once your card is closed, we will not be able to reopen that card account, though you may be able to open a new one in the future. '' In an attempt to rectify this situation, I have reached out to them five times via their provided contact number and sent multiple emails to XXXX. Regrettably, each time I have called, I have been informed that there is no available representative to assist me, and my emails have not garnered a response.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$20000.00}