davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (CA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 18681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4. 
Bridgecrest XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. {$21000.00} written off. {$19000.00} past due as of XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-12-30
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. (NY)

I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. Collins v. Experian Credit Reporting Serv.. This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. Osada v. Experian Info. Solutions, Inc.. If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA Anthony v. Experian Info. Solutions Inc..
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2023 I received a letter from a no named company with no return address or or company name it says at the top Official business penalty for private use {$300.00} it's date XX/XX/2023 it said immediate response required and it has the phone number it states it's a final notice. It said the letter was to inform me that my Auto warranty was expiring it also said Our records indicate you have not contacted us to update your warranty policy call us immediately to ensure there is no lapse in coverage reach directly : XXXX. It said my approved warranty coverage, then listed several parts to a vehicle. On the back of the letter I said that based on my credit report it indicates that I met their criteria. It also states that Trans Union is whom I would have to call if I didn't want the offer. I called the number listed on the front and a man answered in a foreign language possibly XXXX he answered sales I told him about the letter and he said oh yeah in English your warranty is about to expire and I needed to renew. I asked him who was he he didn't say his name I said well what company is this a d he said XXXX XXXX I said I have no policy with you and I asked where did you get my information and he said it was sold by a credit bureau. I told him I didn't give permission for them to sale my credit report and that it's private he then said look I have another call and I said I will be contacting the FTC and he said do what you need to do and hung up. XXXX had already alerted me that my info was on the dark web O didn't understand what they meant but Transmission n sold my credit report giving them access to my social security number Dob, banking information creditors phone numbers and address. How can this happen? My credit report is frozen, therefore Transunion had no authority to sell my information.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX ACCOUNT XXXX XXXX DATE OF LAST ACTIVITY ARE INCORRECT DATE OPENED ARE INCORRECT DATE CLOSED ARE INCORRECT LAST PAYMENT ARE INCORRECT PAYMENT HISTORY ARE INCORRECT Last but not least, I have contacted XXXX XXXX about the charge off and they have sent me my 1099c ( 2022 tax year ). Since this is recognized as taxable income. This account should not continue to report as debt any longer as well.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2019-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC. (OR)

I made the mistake of allowing a " friend '' to deposit a XXXX XXXX check into my account without knowing what XXXX XXXX is and it turned out that I was scammed. I bank with Columbia State Bank ( routing number XXXX ) and they have had my account locked for almost a month now. XXXX ( female ) is the " Investigator '' on my account with Fraud Investigations. I wrote in my online banking all of the information I had ( where the check came from, the phone number of the person who deposited it and signed my name on the check as I did not sign that check which should be obvious looking at the signatures, etc. ) and despite how quickly the case should have been solved, XXXX did not even consult with me for information or even investigate anything at all regarding my account until I spoke with her yesterday about being able to withdraw my paycheck. I could tell that this was the first time she actually looked at my account. I posted the information on my online banking message center where I was informed by the bank ( and this is all in writing ) that Fraud Investigations has access to those messages, thus those messages should have been looked at by XXXX long before this. This is now 2 paychecks ( out of three that have been direct deposited/ACH from the same company, one of which covered the scam check 's result of a negative balance ) and a loan that I've had to jump through ridiculous hoops just to withdraw the money I rightfully earned. Before XXXX decided to ask me any questions about what happened, she decided they were closing my account for good and I requested they keep it open long enough for my paycheck to come in two days later ( which was yesterday ). So I spoke with XXXX yesterday at XXXX XXXX and she said that once the direct deposit from my job hard posted, I could withdraw my money. The only Columbia State Bank open on a Saturday is an hour and a half from where I live, but I drove there anyway, which does require transportation costs and irreplaceable time, because XXXX said I could withdraw it once it hard posted. XXXX failed to put a note in my account allowing the tellers to give me my paycheck just like she failed to investigate the case in the first place. I'm very dissatisfied with the carelessness, laziness, selfishness, inadequacies and lacking of intelligence that takes place in this Financial Institution 's Fraud Department and this is not going to be my final complaint. I also plan to post reviews and respond to surveys and make it very well-known how this bank handles customer finances until I have the satisfaction of knowing that XXXX has been at the very least reprimanded and faced with disciplinary action for her failure to actually do what my money paid her to do ... My money that she prevented me from accessing even though I, unlike her, actually do my job. Something needs to be done.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (NJ)

I am currently in a XXXX XXXXXXXX and my services XXXX XXXX  keeps reporting my mortgage as being late when its not. I have not missed any payments and the amount they are reporting is incorrect and is apart of the bankruptcy. I have notified my attorney and he has not gotten a resolution. When I contacted XXXX they advised that nothing should have been reported and that it was an error on their part. They asked for my XXXX XXXX credit report which I sent showing that they reported it being late twice. How when the company doesnt allow anyone whos is currently in bankruptcy to pay their loan on line!!! My payment gets taken out of my account and sent to the po box they provided.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-25
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. (MD)

I am writing to request the immediate blocking and deletion of the accounts listed below as I have been a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 

Accounts to be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX - XXXX XXXX XX/XX/XXXX - {$780.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$450.00} XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$24000.00} XXXX - XXXX - XX/XX/XXXX - {$790.00} Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland credit Management has placed a debt in the amount of {$1100.00} onmy consumer reports without ever providing me notice I have requested to be provided proof of certificate of receipt with my signature being made aware I demand this be removed from all my reports as this is illegal and clear violation of my consumer rights this company has a history of this abusive conduct and I will seek legal remedies if this continues
Consumer complaint received 2023-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (MI)

I have made numerous attempts in finding out the monthly total payments due so I can pay online. I am told don't trust our website pay with an agent on the phone ( which they charge {$5.00} more to do this. ) I shouldn't have to do this. XXXX XXXX is constantly applying the payments to the wrong accounts or stating pay the other fees with the monthly car payment. I do this and the payments never get properly applied and I get late fee 's attached to the gap insurance or my car payment. I was on the phone this morning after I made a payment of {$410.00} on the first of XXXX ( which was supposed to bring everything to XXXX. Then they tell me it was applied incorrectly so I owed another {$220.00} which I paid on XX/XX/XXXX. I get my next bill which states I owe another {$52.00} in late fees. It's a never ending story with this company. You try to speak to their customer service who constantly tell me that it was inappropriately applied but there is nothing they can do. I am tired of throwing money for their website which they have know about since I started working with them back in XXXX of 2023. 
I have paid over XXXX in late fees over the late three months which is absurd. Especially since I was even ten days past the due date. This company is constantly scamming people and needs to be audited by the federal government for underhanded practices especially since they have known about the website not working properly and trying to get another {$5.00} out of people per month per customer. I am sure this is adding up to thousands of dollars per month. PLEASE INVESTIGATE THEM!
Consumer complaint received 2023-12-30
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. (CA)

There is an inquiry on my Trans Union credit report from XXXX XXXX on XX/XX/2023 that was not made by me. I contacted XXXX XXXX at the address on the credit report and asked why they had accessed my credit. They asked for a copy of the credit report showing the inquiry which I provided them. I was informed they would investigate the matter and respond in writing. Attached is their response.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

Chase bank closed my banking account abruptly without stating why, which as they said they can do that. On XXXX Chase closed my account during that process my payroll check was just deposited and bills needed to be paid. Since the time of closure, I have been contacting every other week. For the pass XXXX months they keep telling me the fraud department is still investigating my account and they would contact me soon. They sent me a summary of my account balance and deposit. But nothing stating they will send me a refund check.