davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to express my deep concern and frustration with the persistent presence of fraudulent items on my credit report, despite numerous attempts on my part to rectify this situation. I have engaged in a series of disputes, provided extensive supporting documentation, and followed the established dispute resolution process, yet the fraudulent items continue to adversely impact my credit history. 

I initially reported the fraudulent activities and have since submitted multiple disputes, accompanied by comprehensive documentation and evidence substantiating my claims. Despite these efforts, the fraudulent items persist on my credit report, causing significant financial distress and impeding my ability to access credit on fair terms. 

Enclosed with this letter, you will find copies of all my previous dispute letters, supporting documentation, and relevant correspondence submitted during my repeated attempts to address this matter. The ongoing presence of these fraudulent items is not only detrimental to my financial well-being but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I understand the importance of a thorough investigation, but the prolonged resolution of this matter is causing undue hardship. I urge you to expedite the review process, conduct a comprehensive investigation, and take immediate action to remove the fraudulent items from my credit report. 

I kindly request that you provide regular updates on the progress of the investigation and a clear timeline for the resolution of this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IN)

I called Coinbase Support on XX/XX/XXXXXXXX  regarding a charge I disputed with them on XX/XX/XXXXXXXX  regarding a merchant called XXXX XXXX and a payment of {$39.00} that I used from my Coinbase Card using XXXX as the funds. I did not receive this product and informed them I wanted to dispute this transaction. 

When I called today ( XX/XX/XXXX ) I asked support about my investigation as I have not heard from them in the last 10 business days regarding my funds being returned. I was informed that the investigation was still on going and could take up to 45 days possible up to 90. After the call in dawned to me that I should still be owned a credit within the 10 days as they continued the investigation. I have checked all my spam emails and I did not receive an email from them regarding the status of my update after the 10 days, nor did I have the ability to view my case, except that my ticket within the app said closed, but nothing more than that.
Consumer complaint received 2023-12-28
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)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-12-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I trust this letter finds you well. I am writing to address significant concerns and seek clarification regarding my recent experience with Credit Acceptance. Since the commencement of our contract, I have encountered multiple instances of confusing and misleading information, prompting my need for regular communication with your team. 

On XX/XX/XXXX, my XXXX XXXX XXXX was repossessed, and I subsequently paid {$740.00} for its release. To ensure the lawful security interest in my vehicle, I conducted a XXXX XXXX search with the Secretary of State in New Jersey, where I reside and acquired the vehicle. The results of this search revealed no liens on any of my property, including the aforementioned vehicle. I have enclosed a certified copy of this report for your reference. 

As stipulated in our contract, Credit Acceptance is supposed to have a security interest in my vehicle until the debt is fully paid. However, the absence of a lawful security interest, as indicated by the XXXX XXXX search, raises serious concerns about the accuracy and transparency of the information provided in the contract. 

Additionally, I believe Credit Acceptance may have engaged in unfair practices, possibly violating 15 USC 1692 ( f ) regarding nonjudicial action to effect dispossession or disablement of property. Subsection ( A ) of this regulation explicitly states that taking such action is impermissible if there is no present right to possession of the property claimed as collateral through an enforceable security interest. Given the results of my XXXX XXXX search, it appears Credit Acceptance may have violated this provision. 

I am committed to resolving this matter amicably and seek your prompt attention and cooperation. I kindly request a comprehensive response addressing the following : Verification of Credit Acceptance 's lawful security interest in my vehicle. 
An explanation of the discrepancies identified in the XXXX XXXX search results. 
Clarification on the amount paid for the release of my vehicle and any associated charges. 
Confirmation of the steps taken to rectify any potential violations of consumer protection laws. 
I value a fair and transparent resolution to these concerns and trust that Credit Acceptance shares this commitment. Your prompt attention to this matter is appreciated. 

Thank you for your understanding and cooperation.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WorldRemit Corp. (IL)

XX/XX/2023, I sent {$100.00} to a friend through world remit. Selected wrong currency by mistake. When I was able to, I cancelled the transaction same day. Since then, the cancellation request has been processed and just says pending. XX/XX/XXXX makes 10 days, since the cancellation request, and I still do not have my money refunded back to me.i have contacted world remit multiple times, if I am able to get through, all they can tell me is they dont know what it going on, & it is on the partner side in XXXX . They emailed the partner, no response back, & Im not getting emails pertaining to updates on the situation, like it states in the app they will do on any transaction or refund.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I trust this letter finds you well. I am writing to express my ongoing concern and frustration regarding the presence of fraudulent items on my credit report, despite my previous attempts to rectify this matter. I have recently submitted a second dispute to address these issues, and I am disappointed to note that the fraudulent items persist in my credit file. 

I initially became aware of the fraudulent activities and promptly reported them to your bureau. I followed the necessary procedures, including submitting supporting documentation and filing a police report, as required by your dispute resolution process. Despite these efforts, it appears that the fraudulent items remain on my credit report, negatively impacting my creditworthiness. 

Enclosed with this letter, you will find copies of my previous correspondence, dispute letters, the police report, and any other supporting documentation submitted during my initial and subsequent disputes. It is disheartening to see that the fraudulent items continue to tarnish my credit history, making it difficult for me to secure loans, credit cards, and other financial products. 

I understand the importance of a thorough investigation in cases of identity theft or fraud, and I appreciate your commitment to ensuring the accuracy of credit reports. However, I urge you to expedite the review process and take swift action to remove the fraudulent items from my credit file. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that timely resolution is crucial to my financial well-being. I kindly request that you conduct a comprehensive investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. 

I would appreciate your immediate attention to this matter and request that you keep me informed of the progress of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-28
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. (VA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION (FL)

I opened my Suncoast accounts XX/XX/2023. I was promised a {$100.00} digital card for opening my account as seen here : XXXX XXXX XXXX I called Suncoast on XX/XX/2023 and spoke with XXXX, one of the team leads, who checked my account and he confirmed to me that I would receive the promised {$100.00} bonus. 

I patiently waited and after several back and forth messages with Suncoast, I never heard anything back. 

I would like to be paid the {$100.00} bonus which was the initial reason for joining. It was in their marketing and advertising complaint that convinced me to open the accounts.
Consumer complaint received 2023-12-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners (MI)

It's currently XX/XX/2023 and I received my first bill from the XXXX XXXX XXXX XXXX center last week for a visit back in XXXX of 2023. I call the number to pay the XXXX charge and the operator tells me that it's been sent to collections. With this being the first bill I had received in the mail and it already being sent to collections was ridiculous. I received the collections phone number, XXXX ( XXXX ) XXXX, and proceeded to call them numerous times and every time it would send me to their voicemail and I would leave one, with of course no reply. After multiple failed attempts, I finally was answered by the operator today who was extremely unprofessional and rude with her language and responses to me. She asked what bill I wanted to pay and I said it was a bill from XXXXXXXX XXXX XXXX XXXX. She said " Oh you're gon na have to call back in a month we don't have none of that in our system yet '', and I said " Are you serious? My credit score has dropped XXXX points and I've been calling trying to pay this and you're telling me I can't pay it? ", she responded " Excuse me??? Call back in a month '' and proceeded to hang up on me. I'm not sure what to do but this is beyond ridiculous, like for one it was sent there with only one bill being sent 8 whole months later and two I can't even pay it because this collections agency is extremely unprofessional at the very least. Is this legal?
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

on XX/XX/23 i sent a letter regarding inaccurate information and unknown things on my credit report to this day XXXX  days later i havent recieved a response yet. I feel like Im being taken advantage of and my disputes are being ignored. Section 611 ( a ) says failure to investigate within XXXX  days gives reason to immediately remove those items. I demand these accounts be removed immediately. My info was also compromised during the XXXX breach.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have ongoing issues with the credit bureau Trans Union , LLC. Its an ongoing issue that the online dispute portal with Trans Union always have an error message and never allows me to do disputes through the online portal system. Im always having to pay for stamps and having to mail out my dispute, which takes even longer, and every time I called to get help with the situation, my concerns are overlooked and then they want me to the dispute process over the phone with somebody usually in another country that is very rude. I want to be able to look at my credit report and dispute each item on my own like everybody else is allowed to. I dont know why Im singled out and I dont know why I cant get this issue fixed, I put a ticket in to receive an email to say the ticket was closed but yet no resolution was provided to me in the email which is further upset me. trans Union has gotten very lazy with her dispute process and they never take my concern. Seriously I have over XXXX inquiries on my credit report that are all fraudulent and I dispute those and they dont get disputed thats a violation of the credit reporting act because theyre supposed to follow a protocol to disputing each item. Also, there is a collection report on my credit bureau that isnt mine that needs to be disputed. The account was a fraudulent account and I disputed it with a credit bureau and the merchant and done a identity report and try to dispute it again with Trans Union but then they wont dispute it again. I need all negative items that are listed on my credit report disputed I dont know how much clearer I can be on that dispute each item whether its the bankruptcy inquiries negative accounts, I need all that stuff investigated and remove my credit report I meant Im getting tired of constantly having riding and begging to get somebody to help me and nobody wants to
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (NC)

I recently had my credit pulled while in the home-buying process and learned that I am the victim of identity theft where several cards have been opened in my name without my consent. please take action immediately and remove these items and addresses as I have never lived there. these items are damaging my opportunities and credit. 

I have been trying to get this resolved and the collection company has yet to provide the information as requested. 
I am requesting that this be removed from my credit report and never sold to any other collection agency in an attempt to hurt my credit. this has been both stressful and frustrating.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to express my extreme dissatisfaction and frustration regarding the presence of fraudulent/negative accounts on my credit report under your bureau. It has come to my attention that these accounts, which have already been deleted by other credit bureaus, still persist on your records. This situation is not only unacceptable but also damaging to my financial standing and reputation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

I find it perplexing that while other credit bureaus have taken swift action to rectify this issue, your bureau has failed to do so. It is crucial for you to understand the urgency and gravity of this matter. I demand immediate and aggressive action to remove these erroneous entries from my credit report. 

XXXX XXXX XXXX  - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

These discrepancies are not only inaccurate but also tarnish my creditworthiness and financial integrity. I expect your bureau to uphold the same standards as your counterparts and promptly address and rectify this situation. Any further delay in resolving this matter will be considered a gross negligence of your duty and a blatant disregard for consumer rights. 

I have attached supporting documentation, including letters from the other credit bureaus acknowledging the removal of these accounts. I demand that you treat this matter with the urgency and seriousness it deserves, ensuring that my credit report accurately reflects my true financial standing. 

If these issues are not addressed promptly and satisfactorily, I will have no choice but to escalate this matter through legal channels and file complaints with the appropriate regulatory
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

CREDIT COLLECTION SERVIC ( Original Creditor Name XXXX XXXXXXXX XXXX ) XXXX CREDIT COLLECTION SERVIC ( Original Creditor Name XXXX XXXX XXXXXXXX XXXX  ) XXXX