davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc. (MA)

I opened an auto loan with Consumer Portfolio d/b/a XXXX in XX/XX/XXXX. In XX/XX/XXXX, the vehicle was wrongfully deemed 'totaled ' and then auctioned off shortly thereafter. As of XX/XX/XXXX, I was being emailed and contacted because my account was " seriously past due. '' I called in and spoke to an extremely rude and borderline offensive representative who insisted on my making a payment. I did not promise to at that point, however I told her I was willing to make payments as soon as I could if we could come to an agreement. By the end of the call, she told me I obviously couldn't afford it and her attitude compelled me to call back and request a supervisor, but none was available at that time. I sent numerous emails and called many times to speak with a supervisor, and was told that I would be called back but never was reached out to again. I informed them multiple times that we can make an agreement to pay however I wanted to make a complaint against the rep first. I have also been recorded on their lines after stating multiple times I did not consent to being recorded if they refused to provide a copy upon request. Now I am being told a lawsuit against me has been filed for this matter, even though I have been waiting for a supervisor to reach out to me for months. I have call logs and email correspondence between myself and their representatives proving all of this.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act " XXXX XXXX XXXX- Account Number 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
Consumer complaint received 2024-01-03
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. (IL)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Dear Equifax Consumer Relations + XXXX XXXX XXXX, I hope this letter finds you well. I am writing to bring to your attention a discrepancy that I have noticed in my credit report with Equifax. After thoroughly reviewing my credit reports from all three major credit reporting agencies, I have noticed that a specific account is correctly reported by XXXX but is missing from my Equifax report. 

Here are the details of the credit card account in question : Creditor : XXXX XXXX Account Number : XXXX Account Type : _ Date Opened : XX/XX/2013 Account Status : Open I would like to kindly request that you investigate this matter and include the account in my Equifax credit report. The accuracy and completeness of my credit report are crucial, as it directly impacts my financial credibility and access to various opportunities, including loans and credit facilities. 

Enclosed with this letter, please find copies of my credit report from XXXX, clearly indicating the presence of the credit card account. I believe that by rectifying this omission, my Equifax credit report will more accurately reflect my credit history. 

I understand the importance of maintaining accurate credit information, and I am confident that Equifax will take the necessary steps to ensure the completeness of my credit report. Please keep me informed of the progress of this request and provide me with written confirmation once the credit card account has been added to my Equifax report.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-09-13
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete this items IMMEDIATELY! This account should not be furnished on my consumer report as its in violation! Under, 15 U.S Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL SUBMITTED to subsection ( c ) any consumer reporting agency agency may furnish a consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VW Credit, Inc (TX)

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Name - XXXX  Address - XXXX Employment - XXXX  You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. 
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
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$460.00}.
Consumer complaint received 2023-09-11
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. (CT)

My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX XXXX account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your investigation.
Consumer complaint received 2024-04-10
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: Medical Business Bureau (IL)

I have disputed this account with the Medical Business Bureau on multiple occasions with no response. On XX/XX/year> I submitted a complaint through the CFPB portal requested account information and validation of the debt but have yet to receive an acknowledge or any response with the information requested. I have attached the previous complaint submitted on XX/XX/year> as well as proof of the items posted on my experian credit bureau. These accounts are reporting inaccurate misinformation and needs to be removed immediately.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-11
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. (IL)

XXXX, XXXX, AND ALSO XX/XX/2018 I HAVE REPORTED THIS INCORRECT INFORMATION TO THE CREDIT BUREAU ON ALL THE DAYS LISTED ABOVE AND EXPERIAN HAVE REFUSE TO REMOVE THIS INFORMATION FROM MY CREDIT REPORT AFTER I HAVE SENT IN DOCUMENTS FROM LETTERS FROM US BANKRUPTCY COURT IN XXXX IL STATED THAT THEY DIDN'T VERIFY THE INCORRECT INFORMATION THAT THEY ARE REPORTING ON MY CREDIT FILE. THEY REFUSE TO GIVE ME A DIRECT REPOSE AFTER I HAVE PROVIDED THEM WITH NUMEROUS AMOUNTS OF DOCUMENTS. THIS INFORMATION IS HIDDERING ME FROM GETTING JOBS, LICENSES, AND CREDIT.THIS IS HIDDERING AND HAS BECAME A BURDEN ON MY LIFE. ACCORDING TO THE CONSUMER LAW 15 U.S CODE 1681B-PERMISSIBLE PURPOSES OF CONSUMER REPORT, 15 US CODE 1681C-1-IDENITY THEFT PREVENTION : FRAUD ALARTS AND ACTIVE DUTY ALARTS, ALSO15 U S CODE1681C-2-BLOCK OF INFORMATION RESULTING FROM IDENITY THEFT. THESE LAWS ALONG PROVES THAT XXXX IS VIOLATE MY RIGHTS AS A US CITIZEN AND CONSUMER. I HAVE SEND THEM OVER TWENTY DOCUMENTS IN THE PASS FIVE YEARS.THEY HAVE REFUSE TO MAKE ANY CHANGES.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX Balance : {$54000.00}
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

This is associated with complaint : XXXX as I have no way of adding to my previous complaint. It is also associated with the Zelle transaction XXXX, XX/XX/23, {$1800.00}. Mislead/Scam I have asked XXXX ( Zelle ) for information on the receiving bank so that funds can be recovered under the new " mislead/scam '' guidelines. They refuse to provide that to me, nor reimburse me for the " mislead/scam '' even though the new Zelle banking terms allow for it. I believe that the receiving bank set up a bank account for the person who initiated the mislead/scam without receipt of proper identifying information associated with federal/state " know your customer '' regulations. This enabled the scammer to initiate the mislead/scam and then immediately transfered the funds to another account ( which XXXX/Zelle refused to provide ). 

In addition, I believe that Zelle has not implemented proper safeguards to guard against mislead/scam transactions by not 1 ) requiring all receiving bank accounts to provide " know your customer '' documentation and then supply that to the sending bank in the case of mislead/scam transaction, and 2 ) clearly show if the receiving Zelle transaction is associated with a non-US bank, or a bank that is not subject to US " know your customer '' regulations. If this information was provided at the time of setup, then consumers would be informed that a mislead/scam may be happening, and thus avoid it.
Consumer complaint received 2023-09-11
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. (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.

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 2023-09-11
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. (MI)

The following accounts are fraudulent and do not belong to me. I demand immediate removal.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature If you can't provide these items Delete them.

I have attached a copy of my FTC REPORT for all 3 bureaus.
Consumer complaint received 2023-09-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WESTERN ALLIANCE BANCORPORATION (FL)

I am XXXX of the XXXX XXXX XXXX XXXX. We placed $ XXXX CD with this bank years ago when they had a branch here in the Florida area. They closed the branch and now have offices only in XXXX AZ area. So we have sent letters. We've made calls. We signed up for online banking but can't close the account and request a wire via the online banking. We did receive one email response from XXXX XXXX ( XXXX ) XXXX but that was XX/XX/XXXX  ( nearly 3 months ago ) and that one email response took us 3 months ( since our initial XXXX contact request to close account and send back the money ). 

We have sent a certified return receipt letter ( which we have the receipt for ) 6 weeks ago and still nothing. We must now ask our attorney to send a letter. I've never experienced anything like this - - being unable to get a CD closed and money returned. Any help you and provide would be much appreciated.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.