davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AutoNation Enterprises Incorporated (CA)

XX/XX/XXXX CIG Financial, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Attention XXXX XXXX XXXX, XXXX Subject : Dispute of Wage Garnishment by XXXX XXXX XXXX and Inaccurate Information Reporting Dear CIG Financial, XXXX, I am writing to formally dispute the recent wage garnishment actions taken against me by XXXX XXXX XXXX, purportedly on behalf of CIG Financial XXXX XXXX. Upon contacting the attorney 's office, I was informed that my information was not in their system, indicating a potential error or fraudulent activity. I've never done business with XXXX XXXX XXXX XXXX ever in my life. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. This garnishment action appears to be based on inaccurate or unverifiable information, and as such, I am invoking my rights under the FCRA to dispute this garnishment. 

Details of the Dispute : Garnishing Attorney 's Name : XXXX XXXX XXXX XXXX of Garnishment Notice : XX/XX/XXXX Amount Garnished : Unknown Reasons for Dispute : Inaccuracy : The attorney hired by CIG Financial , LLC has no record of my information in their system, indicating that the garnishment may have been issued in error. 
Unverifiable Information : The garnishment is based on information that can not be verified by the attorney 's office, raising serious concerns about the legitimacy of this action. 
Supporting Documentation : To support my dispute, I have enclosed the following : Copies of all my Identity Theft Police Report 's dating back to XXXX showing that my identity has been compromised multiple times. 
A copy of the wage garnishment notice. 
A record of my communication with XXXX XXXX XXXX 's office, indicating that my information is not in their system. 
A copy of my credit report, highlighting any related entries. 
Action Requested : I request that CIG Financial, LLC immediately cease the wage garnishment and conduct a thorough investigation into this matter. Additionally, I request the following : Correction of Records : Update all records to reflect the inaccuracy of this garnishment and remove any related negative entries from my credit report.

Verification of Information : Provide me with a written explanation detailing the verification process of the information that led to the garnishment action. 
Notification to Credit Bureaus : Notify all major credit bureaus ( XXXX, XXXX, and XXXX ) to correct any inaccurate or unverifiable information resulting from this garnishment action. 
If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (LA)

My mortgage company is Bayview Loan Servicing LLC.. My mortgage was sold to them I did not choose them. I received a letter or multiple letters saying I should get my own homeowners insurance I would probably have better coverage as I was enrolled in their Lender funded homeowners which only covered the structure and nothing else. I went to XXXX XXXX in the last week of XX/XX/XXXX got my own homeowners. I put XXXX down and have XXXX a month note. Bayview was sent the declaration page to prove I have XXXX worth of homeowners. Because Bayview had screwed me in the past I called on XX/XX/XXXX to inquire on the status of removing me from lender funded insurance. Needless to say Bayview representatives didn't have any idea what I was talking about. So XXXX at XXXX XXXX contacted Bayview talked to a XXXX and emailed and mailed all the documents again proving I had homeowners. XXXX XXXX is a subsidiary of XXXX XXXX and holds my homeowners policy. Bayview sent a XXXX check to XXXX XXXX, XXXX XXXX returned that check to Bayview. Low and behold my house note instead of decreasing has increased XXXX. My question is Bayview threw my escrow into the red by XXXX, where is the XXXX check that XXXX XXXX returned to Bayview. Did someone put it in their wallet. Also afer all this I was told to write a letter explaining that I had procured my own homeowners therefore there was no need to escrow the insurance. Finally after months I was told they were not going to stop the deducting escrow for insurance and for me to stop paying it. Really!!!!! funny nobody mentioned that in XXXX. The extra XXXX a month sure sounds like a percentage of XXXX dollars that was returned to them in XXXX. So if they took XXXX out of escrow and threw me in the red what did they do with the XXXX check when they received it from XXXX XXXX and it has been confirmed they received that check. Personally I think they are the most unscrupulous slimy crooks in existence. I can go on and on but don't want to write a novel. Thank you. I can get documents from XXXX XXXX and XXXX XXXX. I am XXXX and on XXXX.
Consumer complaint received 2024-08-02
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)

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 2024-10-30
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXL Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-11-14
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. (FL)

Upon reviewing my credit record, I have identified several closed accounts that should not be included. This dispute letter serves to bring to your attention the violation of consumer protection laws and request the immediate removal of these accounts from my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2024-08-03
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. (WI)

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the BBB, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.Account XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX Account XXXX  XXXX Account XXXX XXXX XXXX Account XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX  account XXXX. XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-07
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. (TN)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-08-03
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. (WI)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 
Account XXXX XXXX  XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXX  XXXX Account XXXX XXXX  XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX. XXXXXXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX  account XXXX. 
Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-08-07
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I have discovered several fraudulent accounts on my credit report, which are not mine and are preventing me from securing credit. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I urgently request their immediate removal. Please expedite the investigation and correct my credit file. Thank you for your prompt attention to this serious matter.
Consumer complaint received 2024-08-02
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. (PA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-07
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-07
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
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. (VA)

I submitted a dispute for this account previously and received a response from the credit reporting agency indicating that the account would not be removed because it was verified. I am concerned about the accuracy of this verification process, as the account information is clearly inaccurate. Therefore, I am now formally requesting details regarding the method of investigation conducted, as outlined in 15 USC 1681i. Please note that I am submitting this request through the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with all applicable laws and policies. Given the circumstances, I am requesting a detailed explanation of the method of investigation conducted by the credit reporting agencies, as outlined in 15 USC 1681i. It is crucial to me that the reinvestigation process is thorough and comprehensive, considering my concerns about the accuracy of the initial verification.
Consumer complaint received 2020-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

Coinbase ( www.coinbase.com ) is an online platform through which cryptocurrencies can be purchased / sold. 
While being already logged in into my account and verified successfully my identity through an App ( XXXX Authenticator ) it asks me for another verification. When I try to do this I get to a page where nothing happens and I am unable to get the finish line. 
As such, I am not able to sell and transfer the USD of my account. 
I tried to call their XXXX but with no sucess for a long period of time ( " all out operators are busy ... '' ). 
Unacceptable service. 
Regards XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My account with those accounts was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-02
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX  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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as lateforanypurpose.
Consumer complaint received 2024-08-02
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)

To whom it may concern, I have sent Equifax over XXXX pieces of mail that consist of my Ga. Driver id, police report, FTC report, proof I never lived at address. I was told within the last XXXX days that they have no Data on me I went into the Equifax office on XXXX and they gave me a outdated report and once I got home and called XXXX XXXX, I was told they was in the process of updating account because I was not in there systems. I was also told they did not have none of my documents on file. As I explained to them I told them my report was showing duplicate accounts and could they correct and fixed. Then I was told that some accounts was deleted. But the could not see so these are the accounts thats was once removed from my records and reinserted back on the reports. XXXXXXXX XXXX XXXX ; XXXX ; XXXX  XXXX XXXX XXXX XXXX, XXXX- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ; XXXX  XXXX, XXXX XXXX and XXXX  XXXX and These are the confirmation numbers in which it show account was deleted. XXXX, XXXX ; XXXX and I have a letter stating that a account number have been changed, This company have never learn from the ways of its past it fails to do right by the consumer it continues to lie and mismanage the system