davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

In XX/XX/XXXX, XXXX XXXX XXXX notified me that I owed them {$54.00} for using their XXXX XXXX  toll payment option for a car I rented at XXXX XXXX. I don't remember agreeing to this and when I researched this matter, I determined I was not alone as a class action settlement * was approved in Florida in XXXX. 

I fought this charge through several channels and was finally credited the {$54.00} charge. 
======================================= XXXX XXXX  XXXX XXXX Posted On XX/XX/XXXX Type Credit {$54.00} ======================================= In XX/XX/XXXX, XXXX placed the billed amount plus an {$11.00} fee in collection with Transworld Systems , Inc. ( TSI ). When I asked XXXX why I was in collection after my account was credited, they told me my bank ( the one who has my XXXX credit card ) must have authorized this. I called the bank and here 's what I received- ( " The merchant has now agreed to credit your account for {$54.00} '' ). ** After multiple calls, XXXX agreed to collect just {$54.00}. I decided to pay them on XX/XX/XXXX because I feared that a collection account on my credit report would cause years of added expense from potential creditors, insurers, etc. I then followed up with TSI to be sure XXXX directed them to halt collection efforts. And while TSI told me my case was settled, they claimed they had no way to determine whether the collection account would appear on any credit reports. 

I thought it made sense to speak up. 

Thank You. 
========================================================== * Office of the Attorney General, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (NC)

We had purchased a camper from XXXX XXXX XXXX XX/XX/XXXX and financed it through US Bank for the amount of {$36000.00}. We found out few days after driving it off the lot, that XXXX XXXX had screwed up our VIN number, which in turn messed up all paperwork to US Bank for the temporaty title. XXXX XXXX notified us of their mistake, and fixed the paperwork for us to be able to get our registration done. However, US Bank never followed up or fixed their paperwork on their end. Fast forward to a year later, XX/XX/XXXX we paid off the camper in full, sending US Bank the payoff amount of {$32000.00}. 
They accepted this payment, without even having the proper paperwork showing the right VIN, or without even correcting anything. So now in XX/XX/XXXX, of XXXX when my wife and I are attempting to sell our camper to a friend in order to get the funds needed to close on a home for our family, the dmv tells us they can not issue a title, due to US Bank still having a lien on it. When contacting US Bank several times asking why they are still holding a lien when it was paid off over a year ago, they just kept saying " their not sure ''. This led us to asking for a supervisor and while on hold for them, the dmv tells us that it is an electronic lien and that the bank can do an " emergancy release '' in order to have the dmv print us a title that day of being there. Since it over an hours drive to this instant title dmv. 
When the supervisor came on the line, we had relaid this information to her, which she in turn expressed that she had never heard of that. She then said she would go ahead and process a release to be done, but that they first have to fix the paperwork on their end, since they did not currently hold a proper lien. I even made the comment " wow so I should have never paid you off, because you had no way of even repossessing this '' of which they laughed and did not comment. 
It is now XX/XX/XXXX of which the release was still not completed and we loss a sale on our camper, which now in turn will affect our closing and might make us lose our home. All because they did not do their job and correct their own paperwork over 2 years ago! How can they accept payoff for a " vehicle '' or camper in our scenerio, without even having the proper paperwork or temporary title paperwork? Then have the right to make us lose out on so much money needed for a big family move, due to their own negligence and not be held responsible.
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (TX)

I do not recognize these inquires.I did not authorize these inquires. I asked the bureaus for these inquires to be removed and the bureaus did not do so. I am providing a identify theft report and requesting the to be remove because they are inaccurate and not mine.
Consumer complaint received 2024-11-01
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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. (NC)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address is:XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Upon reviewing my credit report, I have noted that the aforementioned medical collections account, related to services rendered on XX/XX/year>, in the amount of {$1000.00}, and additional charges of {$930.00} has been reported despite the fact that it does not meet the criteria for permissible reporting under the No Surprises Act. 

On XXXX XXXX I was notified but XXXX that this account was verified as reporting accurately even after reporting that this creditor was in violation of the No Surprises Act.
Consumer complaint received 2024-11-01
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. (GA)

These accounts were charged off on the following date : XX/XX/year> Since then the date of last activity has been inconsistently updated to all XXXX credit reporting agencies Equifax, XXXX, and XXXX If the dates are coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. Please delete all accounts from my credit report immediately. The accounts are listed below with all relevant information. 

Account name : XXXX Account # : XXXX XXXX : Date last XXXX Equifax : Date last XXXX, XXXX XXXX : Date last active, XXXX Account : XXXX Account # : XXXX XXXX : Date last XXXX Equifax : Date last active, XXXX XXXX XXXX Date last active, XXXX Account : XXXX Account # : XXXX XXXX : Date last active XXXX Equifax : Date last active, XXXX XXXX : Date last XXXX
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (FL)

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-24
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. (GA)

I regularly monitor my payment schedule and take proactive measures to ensure payments are made on time on this accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request you to ensure that my account status is promptly updated in my consumer report. Accurate reporting is crucial for maintaining a positive credit profile, and I appreciate your assistance in this matter.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I was shocked to discover inaccurate accounts suddenly appearing on my credit report this morning. I have no idea why this happened, as everything was normal when I last checked. I tried refreshing the page, hoping it was just a browser glitch, but the errors persisted. Now I am left with questions and concerns about these inaccuracies.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: P&B Capital Group, LLC (IN)

I would like to report this business for violating Fair Debt Collection Practices Act ( FDCPA )! They have continuously contacted me from various different numbers. I have not answered due to being very busy with XXXX XXXXl and being a mom. Which I told the harassing agent! They call several times a day sometimes back to back. Today I was informed from my mother in law that they called her looking for me. That is a clear violation of FDCPA! I call them back after this and was not rude at all. The agent who I originally dealt with was VERY rude and also violated FDCPA multiple times! He stated that I owed xyz $ and asked for full payment. I said I could not afford that and asked what type of payment plan I could arrange. He said that the company was requesting full payment and he could do a lower $ amount. I said okay what are the payment for that? And he said like 2 or 3 work {$320.00} something down. I said I cant do that and if you cant take a payment plan I would have to let it go to small claims. He then said I would never get my XXXX XXXX if I did that ( which is a complete lie and fear tactic to get a debt paid ) and I said for one if I had the money I would pay in full and two that is not true about the XXXX XXXX and I took that as a scare tactic. He then asked me so what did I do defraud the original company to get the loan?! I said no I lost my job and was unable to pay! He also belittled me and said I was very niiave and was down right disgusting! He then transferred me to a XXXX who kindly set up a payment arrangement for the debt and listened to my complaint of how I was treated. However, I felt pressured to enter that agreement that I can not afford. I will be reporting this business here and with the CFPB and the FTC. I am requesting ALL contact from this company to me or my family, friends, employer etc.. to stop immediately!
Consumer complaint received 2021-01-11
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Two weeks ago I paid off my car loan with XXXX  XXXX. I canceled my bill pay and deleted all information. Usaa says that I have to get there approval to cancel any bill pay.usaa paid XXXX  XXXX {$1500.00} with out my permission now Ill have to Waite for 30 to 60 days to receive my money back.

Im wondering how many other payments are being paid out of my account by usaa that I havent approved. If you can please audit my accounts there at usaa. 
I thought it is my money but usaa says its theres to use as they see fit. 
This is tied to this XXXX XXXXXXXX open case XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (GA)

This company is charging XXXX XXXX interest to this debt on my credit report. The original debt is showing XXXX when I first discovered this account, now the balance is XXXX Who agreed to this interest? How is that lawful? I never agreed to this.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address isXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Payment Due to Violations of Consumer Rights Dear XXXX, XXXX XXXX and Equifax, I am writing to formally demand payment in the amount of {$1000.00} for each violation of my consumer rights, as specified under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and 15 U.S.C. 6892.

I have identified the following violations in regard to my credit report : 1. Permissible Purpose : You have reported information on my credit report without a permissible purpose, as required by the FCRA.

2. Failure to Provide Verification : You have failed to provide any method of verification upon my request, which infringes upon my rights under the FCRA.

3. Notification Requirements : You did not notify me at least five ( 5 ) days prior to reporting any information on my credit report, which is a clear violation of the FCRA.

Each of these violations constitutes a breach of my consumer rights, for which I am entitled to compensation of {$1000.00} per violation. Given that there are three distinct violations listed above, I am seeking a total payment of {$3000.00}.

Please remit payment to my address listed above within fifteen ( 15 ) days of receipt of this letter. If I do not receive a satisfactory response within this timeframe, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal representation to enforce my rights. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TN)

They Violated The Educational and Privacy Act of 1974.Also the Privacy a Act of 1974 The Account is coll/charge off, which is considered a Certificate of Indebtness, which means it's income and has to be Removed ASAP
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2024-01-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (PA)

There was an account created for my old phone number and social security number but the wrong email address. When I try to update the phone number it sends a verification code to an email address that is incorrect. I cant update any information or log in to my account. It will not allow me to update my email address either. The last point of contact was in XXXX of 2023 promising that I would be able to update it. I still CAN NOT update any account information due to the phone number and email address being incorrect.