davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (GA)

I purchased and financed and got a warranty for a vehicle in 2021 from US auto sales. I had been paying my car off without a hitch. All of a sudden in XXXX or XXXX US auto sales closed down without notice. Even after that happened I still continued making my payment on the website provided. A few weeks later I get a call from a company called Westlake Portfolio Management and they said they were taking over my contract with US auto and that not only do I have to pay them, but they also increased my loan payoff. Being that I wanted to make sure that I wasnt being scammed, I asked them to send me a copy of my contract from US auto sales and they responded that they didnt have the paperwork. I proceeded to tell them that I needed the contract to start making payments to them. They not only didnt send my the contract, they proceeded to illegally repossess my vehicle. Up till today, they never gave me any information as to the location of my vehicle to even at least get my personal items. This has been a nightmare. I dont have a contract with Westlake portfolio, they stole my car and my personal belongings and they must not get away with this. I either want my money for the car Ive paid and my personal belongings they stole or they need to give me my car back. They have no documents to show but decided they could do this to me! This has caused me XXXX and stress.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX 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.
Consumer complaint received 2024-07-19
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: CITIZENS FINANCIAL GROUP, INC. (GA)

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly. I trust that you will handle this matter with the urgency it deserves and provide me with confirmation of the actions taken to rectify these errors.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I applied for Chase personal credit card, approved and got the card in XXXX, then I applied for a business credit card and after approval I got my business credit card. As soon as I got my business credit card they closed all my credit accounts without any reason. Same thing happened to my friend who is also XXXX and lives in XXXX. As long as I have never did anything wrong with any of my credit cards or banking accounts and never get a legel reason of closing my accounts I am pretty sure in the following. 
Chase bank discriminated against me, they stereotyped XXXX as prone to crime and fraud because I am XXXX and I live in XXXX and my last name is ending with XXXX letters. 
Chase treats XXXX Americans as criminals who were likely to commit fraud.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Someone Fraudulently applied for a credit card under my named back on XX/XX/year>. I called Capital One and was told I had to call one of the Credit Bureaus and dispute it. They told me to file a complaint with FTC now Im told to file the claim with CFPB. I just want that fraudulent inquiry removed from my credit report please. Thanks
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

The collection company IC systems in behalf of XXXX was mailed 2 letters from me, one requesting proof of debt and request to be removed as it is not my account. Their reply to my first letter stated that they were unable to identify my record without further information. They have not sent me any written communication aside from the response to my debt validation letter, so I am unable to reference. It is believe that they have my information incorrect on my credit report. When calling their office, the prompt asks for an account number which was partially listed and when I attempted to call and let them know this, the prompt hangs up immediately if no account number is entered in the phone system with no way to reach a live representative. I can attach information that is listed on my Credit report and this is not an account of mine. I have never lived in North Carolina, never visited this location and would like this removed from my credit report.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year>, I attempted to login to TransUnion. I was unable to do so and attempted to reset my password. I waited and chatted with an agent online for approximately an hour in an attempt to reset my password, and the agent could not do it. I waited on hold for more than half an hour in attempt to contact an agent but was unable to do so. The hold music contained a very short and repeating hold song with a piercing flute that was unable to be turned off. Additionally, they would have you check in to see if you were still there every minute or so and asked for 1 to be pressed. These seemed designed to deter from having customers contact their support lines. It appears that their services may be down, but there is no conclusive statement by TransUnion to support this.
Consumer complaint received 2024-08-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc. (RI)

Dear Self Lender , Inc., I am writing to express my concern after discovering an issue with my credit report during a review with my loan officer. It was brought to my attention that there is a 30-day late payment reported on my account for XX/XX/year>. This came as a complete surprise to me, as I have always made timely payments on this account.

I am unsure how this error occurred. To the best of my knowledge, I made my payments promptly upon receiving my statements. It is possible that my monthly statement did not reach me in a timely manner, or that my payment was not processed as quickly as expected. However, I assure you that any lateness was entirely unintentional.

Given our good-standing relationship and my history of responsible account management, I respectfully request that you remove this 30-day late payment from my credit report and refund any associated late fees. Additionally, under the provisions of the Fair Credit Billing Act ( 15 USC 1666b ), the Fair Credit Reporting Act ( 15 USC 1681i ), and the Fair Debt Collection Practices Act ( 15 USC 1692g ), I believe this reporting to be inaccurate. Therefore, I must insist on the immediate deletion of this late payment from my credit report.

I hope we can resolve this matter swiftly and with minimal inconvenience to either party. I have valued my experience with your company in the past and look forward to continuing our positive relationship.

Thank you for your prompt attention to this matter. I appreciate your assistance.

Sincerely,
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have requested a credit report from TransUnion be mailed to my home for the past XXXX month and have not received it. I have called them, used the chat service, I tried requesting it the website, and I have even tried XXXX XXXX XXXX XXXX. I have been told it is unavailable on all platforms. This a major issue because they are not allowing me to see the information, they are sharing about me to everybody else. IT IS ALSO AGAINST THE LAW!!!!!!!! They have restricted my TransUnion account because i have been disputing the numerous Amount of inaccuracies. And now i can't even get through on the phone.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Fir XXXX XXXX XXXX XXXX XXXX has reported a charge off that not only is inaccurate reporting but also I was told and stop by the XXXX company they ordered a repo even when I believe u advised them where the car was and also I phoned them they never pick up the car claiming that insurance company has it and now they state that they are waiting for the mechanic shop to send final bill well neither is nit true at all also XXXX never pick it up also tge amounts are wrong the company never pick up the vehicle for resell and there exist no charge off nor XXXX if so why am I being ask for money from the XXXX XXXX when XXXX already advised me that they would pick it up .....
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXX, GA, XXXX Employer - XXXXXXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXXXXXX XXXX XXXXXXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021, XXXX XX/XX/2021,
Consumer complaint received 2024-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (PA)

I was called about a debt on a utility and this company Threatening to place this account on my credit report on XX/XX/24. I am in a quandary about this account still.I was never send a validation notice, I was never told the amount alleged to be owe or even given a chance to dispute this debt. Plz provide to me Actual proof this letter was sent because i know it was not and you are being misleading and deceptive to which is another violation of my rights. Once again you are in violation of U.S.C. 1692g ( a ) Under the FDCPA,. Plz send me actual proof that this company followed the FDCPA and send me out a validation letter.
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (AZ)

I am writing to file a formal complaint against Equifax, for failing to conduct a reasonable investigation into disputed items on my credit report and not providing me the information I requested on how they have verified the inaccurate item on my credit report. 
On XX/XX/2024, I mailed a dispute letter to Equifax requesting an investigation into the inaccurate item present on my credit report. However, despite my efforts, I did not receive a response from Equifax regarding the information that I requested from them. This lack of communication has left me deeply concerned about the accuracy and integrity of my credit report, as well as the potential impact it may have on my financial standing. 
In my dispute letter, I requested detailed information on how Equifax verified the accuracy of the disputed items on my credit report. Specifically, I asked for : The date they contacted the creditor and furnisher. 
The contact information of the creditors and furnisher. 
The name of the person who verified the disputed items. 
The method of communication used to conduct the investigation. 
Confirmation of whether the creditor and furnisher provided my Social Security Number, date of birth, and proof of address. 
I believe that Equifax 's failure to respond to my dispute letter violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies, such as Equifax, must promptly investigate any disputed information and provide a timely response to consumers. 
Furthermore, the absence of any communication from Equifax has left me without recourse or opportunity to address the inaccuracies present on my credit report, thereby jeopardizing my ability to access credit on fair and accurate terms.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IA)

hey Citi, my name is XXXX and i've been with you guys for a couple months now and i have been enjoying my experience so far but today i had to file a fraud claim because there was unauthorized charges totaling {$900.00} going to a merchant, not sure how this happened or how someone stole my debit card info and its in my possession but regardless, i filed a fraud claim today. I lost all my money i needed to pay bills for this month and i have no idea what to do, i was told i would be issued a new debit card and its expedited to my address on file but what about my money that was stolen? this is blatant fraud as i dont even have prior history nor use the merchant. whatever they used to steal my money. im nervous i wont get my money back based on other customers reviews i have been reading so im filing this claim today with the CFPB. CLaim Number : XXXX
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I deposited a check at a Wells Fargo ATM on XX/XX/year>. At the time of deposit, I was informed that {$200.00} of the check amount would be available on XX/XX/year>, with the remaining balance becoming available on XX/XX/year>. 

However, later in the evening on XX/XX/year>, I noticed that the check had cleared my account, only for the funds to be adjusted and removed shortly thereafter. I was subsequently notified that my account was being closed. When I contacted customer service, I was informed that the reason for this action was a belief that the check I deposited had been altered. I was further instructed to obtain a notarized statement from the person who wrote the check before the account closure would be reconsidered. 

I am extremely confused and upset by this sequence of events. First and foremost, if there was any suspicion regarding the validity of the check, I do not understand why the funds were initially deposited into my account. It would seem more appropriate and responsible for the bank to notify me of the issue immediately, allowing me to address the concern without the drastic measure of closing my account. 

Additionally, I am bewildered by how the check could clear my account on the same day it was deposited if there was suspicion of alteration. This situation has caused me significant distress, and I believe it could have been handled in a more customer-friendly manner.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I never gave ChexSystems or anyone that is listed on my Chex system any written, non written, verbal or nonverbal permission to share my information with anyone without my written consent. Per 15 usc 6802-6805, 15 USC 1681 , and The Privacy Act of 1974. You have indeed violated my rights. Opt me out of reporting information.
Consumer complaint received 2024-07-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

Someone had opened a cell phone account fraudulently in my name. This was disputed with XXXX XXXX XXXX, they had closed the case and had reported to ftd.gov. I also have reported it to XXXX XXXX. Complaint # XXXX After the closing the complaint I have been receiving notice of collection from different agencies. I have reported to FTD.gov as well. 
I should not be responding to every agency every time. 
Please remove this debt and stop forwarding to others and find the individual who is responsible for it. 
Thank you
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX Experian XXXX XXXX failed to do the following requests : Credit XXXX XXXX XXXX The General - Paid in Full - XX/XX/2024 - Reference # XXXX Confirmation # XXXX - On XX/XX/2024 - The General Representative agreed to remove collection once Paid in Full - XXXX  refused to remove but incorrect data remains on credit report in negative reporting and remains on XXXX, XXXX & Experian nor does it states - Paid as Agreed but as a negative reporting - - " Potentially Negative '' XXXX XXXX Paid in Full - {$570.00} - XX/XX/2024 - Confirmation # XXXX On XX/XX/2024 - Per XXXX  XXXX Representative agreed to remove collection from all credit bureaus once Paid in Full but remains on XXXX at & Experian nor does it states - Paid as Agreed but as a negative reporting - " Potentially Negative '' As a XXXX Veteran, the above matter continues to prevent me from establishing a clear credit report in order to purchase my first home and non-secured credit cards. I pray you can assist me in this vital matter.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am personally filing this complaint regarding late payment entries on my credit record. During my review, I identified these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.