davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (MA)

On XX/XX/XXXX, my mother sent me a photo of a letter mailed to my old residence from Westlake Portfolio Management. After reading the letter, which I've provided as evidence, I contacted the phone number listed to ask for verification of the debt and to dispute it as I signed a Release of Settlement in XXXX of XXXX, and had the car returned in XX/XX/XXXX back to American Car Center, whom filed bankruptcy on XX/XX/XXXX. I was released from my agreement after I had to file a complaint with the Tennessee General Attorney for failure to provide a written contract from American Car Center after several attempts. Due to not having a copy of my contract upon exiting the dealer, and having to move for my husband 's work, I was unable to provide proper communication for the car to be returned to TN, and due to the fact that MA does not allow American Car Center to license any leased cars in that state, I returned the car, signed the release of settlement and never heard from the car center again, until XX/XX/XXXX when they sent my account to Westlake Financial. I've called several times, left several voicemails and sent XXXX emails with proof of my dispute of the debt, with no status update or resolution. I've had aggressively defensive reps question whether I'm legally allowed to ask for the original creditor to verify the debt, to some helpful reps who've provided emails and contact info, but as of XX/XX/XXXX I have neither received an answer, update or resolution. I also had a rep falsely list my account as cease and desist on XX/XX/XXXX, when I asked for not such action, and as a result the Westlake claims they can not provide written proof/documentation to me from the original creditor. Considering I had difficulties in receiving my contract from American Car Center, and the resistance from Westlake Financial Services Portfolio management, I felt I needed to submit a complaint for resolution.
Consumer complaint received 2024-05-29
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. (CA)

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, I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-27
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: CITIBANK, N.A. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX & Account # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

For the last 6-7 months, I have disputed several accounts on my credit reports that are reporting inaccurately with the credit bureaus and the companies. To date, the following accounts have not been verified or corrected and I have requested proof of how the accounts were verified : XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX  XXXX XXXX XXXX  Account number XXXX XXXX. XXXX XXXX Account number. XXXX I have tremendously suffered for the negative adverse actions, which has even included being terminated from my job! Due to the Inaccurate reporting and the accounts never being late, I am requesting they be immediately deleted per 15 USC 1681 # 2 Exclusions.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RELIABLE FINANCIAL SERVICES, INC. (PR)

Dear Sirs, My name is XXXX XXXX XXXX, resident of the municipality of XXXX, Puerto RIco. I am the owner of a white XXXX XXXX vehicle of year XXXX. This car was financed by XXXX XXXX XXXX XXXX XXXX . The account number with XXXX XXXX XXXX is XXXX. 

After the passage of hurricane Maria over Puerto Rico, XXXX XXXX XXXX was one of the companies in Puerto Rico that granted three months moratorium to consumers for the payment of their bills. As a client of XXXX XXXX XXXX, I was one of the beneficiaries of that moratorium. After that period, I continued making my payments to XXXX XXXX XXXX on time. Due to an involuntary confusion regarding the scope of the moratorium, XXXX XXXX XXXX, alleged that a payment was missed in my account. I NEVER received a communication or a phone call from this financial institution to indicate that there was a delay in my account. If I had received some type of communication from the financial institution, I would have made all the necessary arrangements to resolve the situation immediately. 

I have always been very careful and responsible with my credit. All my accounts are paid on time and usually well before the due date. My credit score has always exceeded 800 points as has been classified as excellent by all of credit report companies ( XXXX XXXX, XXXX  and XXXX  ). 

Today, Monday, XX/XX/XXXX, I received a message from XXXX XXXX indicating that my credit score had dropped 117 points, due to a supposed one-month delay in my account with XXXX XXXX XXXX. 

Respectfully, I request that this negative mark be removed from my credit history. 

Cordially, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PR XXXX Telephone XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, I updated my online account with my current banking information and set up auto pay to deduct my minimum payment on the due date. The company removed my auto pay, failed to deduct my minimum payment and reported the account XXXX  days late on my credit reports. The company ( Kohls ) never contacted me to notify me of the removal of my auto pay or to inform me that the account payment was never received. On XX/XX/XXXX, I spoke with a rep named XXXX and she confirmed that the banking account number was accurate and could not provide an explanation of why my auto pay was removed and I was never contacted. I am in the process of trying to secure a rental unit and the recent XXXX  day mark on my credit report could potentially cause me to be homeless. I would like Kohls to reverse the XXXX  day mark from all major credit bureaus and compensate me for the undue hardship caused by their unfair practices.
Consumer complaint received 2024-05-29
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. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX XXXXata breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (PR)

Some one stole my identity and solicit a loan to Monterey financial Services, LLC. This person is utilizing a florida address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX phone : XXXX ). The loan was approved and I am being charge for it. The loan amount is {$3700.00} with a monthly payment of {$140.00}. In XX/XX/XXXX I contacted Monterey Financial and informed that the loan was made by a identity thief person and sent the police report number so they would removed the charge. I explained that as soon as the report is provided to me by the police department I would be sending it to them. At this moment they are still charging me the monthly amount ( {$140.00} ), no pause has been made and my credit has been affected. The identity theft was reported to XXXX, XXXX and XXXX and a fraud alarm/warning has been added to avoid inquiries or any other action. This was made XX/XX/XXXX.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've always made sure that payments on this account are timely, never allowing them to be overdue. However, I'm unsure about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my ongoing frustration and concern regarding the failure to remove fraudulent items from my credit report. Despite my previous XXXX attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. 

The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2024-05-29
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)

I was a victim of identity theft on XXXX XXXXI am going to provide you with local police report and ftc report.Some one stole my identity and they open up some credit card accounts.They are damaging my credit.Please help to remove these negative accounts from my credit report. 
XXXX XXXX XXXX opened on XX/XX/year> XXXXXXXX XXXX XXXX opened on XX/XX/year> These accounts not belong to me.

I need to buy my house very badly and i can not get a mortgage because of these negative itmes. 
Here is my local police report # XXXX Thank You.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XXXXXXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX ACCOUNT XXXX : XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 )
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance Owed : {$1200.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/year>
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unauthorized inquiries appeared on my credit report this morning, and Im not sure why. When I reviewed my credit report, as I regularly do, I noticed unexpected discrepancies. Refreshing my browser didnt remove these inquiries. Hence, Im asking for a thorough review of the documents Ive submitted to prevent future worries.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

I have had a Macys charge card since 2019 but have not used it probably in at least a year. A purchase was made for a sale that had a large additional discount if made with a Macys card. 

When I logged into my Macys account, there was no where to make a payment. There is an Add your card portal that did not work. Attached, you can see the e-statement I was provided with a Pay A Bill option. This takes you to the same spot on the website and, when I tried to add the card with the exact information printed on the card, was given an error message. I should not have to add my Macys card information to that account anyway, but that is besides the point. 

The number on the card and statement sent me to an automated line for phone payments. The automated line also told me no account could be located with the information provided. None of the automated number options are to speak to a representative. I continued to call over the course of multiple days and eventually got in touch with a person. The late fee was waived but I am concerned about how this is being reported on my credit. Creditors not providing a reasonable means for a consumer to make a payment is contradictory to my understanding of Regulation Z. I did not neglect to make a payment before the due date, Macys made it impossible, and I should not be punished on my credit for this.
Consumer complaint received 2024-05-29
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. (NY)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Ensuring timely payments on this account has always been my priority, never letting it become overdue. I don't understand the late payment reports on my accounts. Per 15 USC 1666b, this billing error should be corrected.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I wish to dispute the presence of unauthorized account on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that this account is the results of identity theft. I initiated to contact with the banks associated with this account, and they assured me that it would be removed from their records. 
I am aware that other credit bureaus have already removed this fraudulent account from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. 
Despite my proactive measures to address this issue, the account continue to be reported on my credit report by your bureau. 

In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the banks with documentation demonstrating the fraudulent nature of this account. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent account from my credit report. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XXXX todays date XXXX I recently looked at my credit report and I noticed you are reporting some late payments that are NOT accurate and I would like you to update late payments to ON TIME PAID AS AGREED.I have listed the account name and account number below along with the dates you are reporting late and those dates need to be changed to PAID AS AGREED. 




ACCOUNT NAME XXXX XXXX XXXX # XXXX This account has a XXXX XXXX day late and a XXXX XXXX day late XXXX Dates reporting NOT accurate:XXXX, XXXX Please fix this problem immediately as it is hurting my chances of buying a new home and these late payments are NOT accurate. Thanks for your help XXXX XXXX XXXX
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

This letter is in response a letter from XXXX XXXX XXXX XXXX XXXX claiming I owe them {$4200.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXX, XXXX this amount.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Inaccurate accounts appeared on my credit report today, and I don't know why. During my routine check, I noticed discrepancies that were previously absent. I refreshed my browser in case it was a technical error, but the inaccuracies persisted. Because of this issue, I am requesting a thorough review of the documents I've sent to alleviate this concern permanently.