davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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: VW Credit, Inc (WA)

I paid my loan off on XXXX/XXXX/2023, an year ago and still do not have an updated title in hand. 

VW credit informed me they have sent the e-title to the Washington XXXX, but the XXXX has informed me that they have never received any such request from VW credit. 

VW credit also can not send me any written proof that they have sent the title to the XXXX, and are making me go around in circles. It has been an year, this is unacceptable. 

I have to sell my car and the buyer refused to buy because I did not have an updated title. 

Attached letter from VW credit confirming I have paid off my loan on XX/XX/2023.
Consumer complaint received 2024-04-24
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: Experian Information Solutions Inc. (NV)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (DE)

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This orginal accont was opened through XXXX XXXX XXXX XXXX with a balance owed of {$870.00}. This account was opened XXXX XXXX, XXXX, ( XXXX XXXX XXXX ). This company has been calling countlessly for a the past XXXX months, along with emails. They will call from numerous different numbers harassing me about this debt owed. 

There is also another account with the same collection agency for XXXX XXXX XXXX XXXX, with a balance owed of {$580.00}. This account was opened on XXXX XXXX, XXXX ( XXXX, XXXX ). 

These XXXX open accounts on my credit has also had a negative impact on my credit scores and credit report.
Consumer complaint received 2024-09-03
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. (FL)

I sent out certified letter demanding immediate removal of those accounts provided in the letter attached which was back in XX/XX/year> which my demands was not met now I demand immediate removal & be compensated XXXX for violating my rights
Consumer complaint received 2024-04-24
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: Experian Information Solutions Inc. (FL)

Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sirs : I understand that you have enforcement powers against credit bureaus under 15 U.S.C. s 1681s. Therefore, I wish to lodge a complaint with you so that you may be aware of and be able to act upon a matter of abuse of that Consumer Reporting Act. 

Name of Credit Bureau : EXPERIAN This Credit Bureau has refused to comply with its obligations under the Fair Credit Reporting Act. The substance of my complaint is as follows : The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX XXXX Fraudulent account number:XXXX Dispute Reason : This account is an identity theft and was opened without my authorization. 
This account is not mine. I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification. 
Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e.

Please investigate this matter and inform me of the result. The undersigned would be happy to furnish full particulars to you if you need further information for enforcement proceedings.
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (TX)

I have a account with Coinbase under the email address XXXX for someone reason my saved password does not work I am unable to trade or use my account for almost two years. I submitted for a password reset several times where it sends me a email with a broken call to action button, the last time i received any contact from the support team they asked me to create a new longin account which makes so sense since my current account has my wallet with all my funds, I have not been able to to trade or reap profit from the value gained in my XXXX  which is unfair
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX of the year 2023. I got a message from the XXXX XXXX app ( an app that I link to my account Capital One 360 to control my budget ) telling me someone made a purchase of {$1100.00} from XXXX XXXX XXXX XXXX XXXX. I instantly called the bank to see why this purchase, they told me it was pending and they couldn't do anything until the transaction was processed. The first lady told me that someone had cloned my card, but I made the report as soon as I noticed it. My wife had this card for emergencies, but she usually took money from the ATM with a PIN #. When I called my wife, she told me she was in a flea market in XXXX and had that debit card in her wallet inside the car. So when she got back to the car someone stole her wallet with the debit card and other important documents of hers and mine. That person that stole the wallet made a purchase so, from then I have been calling the bank and they are just rejecting my dispute giving me from my point of view excuses to not pay me back that money. 

1st : One of the CS representatives told me the purchase was made and it didn't ask for the PIN #. 

2nd : The bank never protected me as their customer or asked for my authorization to allow this rare purchase from a strange place. They never send me a message or email to allow this purchase they just allow it with any other restriction. Also, a CS representative said they tried to make several other purchases with this card from the same merchant, but as I told you before as soon I saw the purchase I reported it. 

3rd : They don't have the address or phone number of the merchant. One of their answers says : " We reviewed your dispute ( s ). Based on the information we have, your claim ( s ) has been denied because of your assertion about the debit card possession and transaction information. You can still try to resolve this directly with the merchant. '' I'm telling them and proving that the card was stolen and I don't have an idea of what kind of commerce is : XXXX XXXX XXXX XXXX XXXX. 

Please help me with this issue it seems the bank just doesn't want to accept their responsibility and not refunding me this fraudulent purchase. 

Tell the bank to provide you with all the information they have from this issue, the transactions tried to do with this card after the report, the time that was made the purchase and how the purchase was made, and what they asked to accept the purchase from this merchant if signature or pin and check the signature, please!!! 

help me, I'm struggling a lot to put food on the table for my kids.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

3rd Request To Whom it May Concern : I am writing to let you know about an identity theft case that affected my credit report. Upon reviewing my credit report, I discovered fraudulent information that does not belong to me. This identity theft has caused significant harm to my financial credibility and has put me in a difficult situation. According to the Fair Credit Reporting Act ( FCRA ), I would like to ask you to block the fraudulent information from my credit report. Section 605B of the FCRA states that credit bureaus are required to block the reporting of fraudulent information resulting from identity theft upon receiving a proper request from the victim. I am also attaching a copy of the Identity Theft Report filed with the Federal Trade Commission as supporting documentation. Please investigate this matter promptly and block the fraudulent information from my credit report to prevent further damage to my credit history. Please provide me with a written confirmation once this has been completed. Thank you for your attention to this matter. I appreciate your quick help in resolving this issue. Please do not hesitate to contact me if you need any more information. Please update my addresses and delete from my credit profile.Sincerely, XXXX Also, you are in violation of laws : 15 US Code 1666 ( b ) ; 15 US code 1637 ( a ) ; 15 US Code 1681 ( c ) 2 ; 15 US Code 1681 ( s ) 2. Please delete/block the accounts attached to my FTC report ASAP.

Sincerely, XXXX
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-10
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)

I was shocked when I saw incorrect accounts on my credit report tonight, and I have no clue how they got there. I check my credit report regularly, and this time, these errors just appeared out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but the wrong accounts remained. I'm really frustrated, and I just want the documents I've submitted to be thoroughly reviewed so I can stop worrying about this.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists XXXX  civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland credit was reporting this on my credit accounts. They did remove it after a previous complaint with the CFPB but they have now reopened the case on my credit reports as of XX/XX/2023. This is an XXXX tactic to prolong the collection. Not only by Midland but also by the XXXX that allowed a removed account to be reopened without notification by either. Midland credit is violating the FCRA 605 ( c ) which is a XXXX fine. They are also reporting a collection as an open account which is also a violation of the FCRA.
Consumer complaint received 2024-09-10
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)

This is the several times I've complained about being a victim of identity theft. You must remove these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED!!
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Yesterday I called Bank of America. Because I could not transfer funds. Then I was told he account was closed with them due to a business decision. They removed all access and took away access to all of my money. They refuse to give me my money. I need it for bills. I have had the account with them for XXXX  years.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-09-04
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. (FL)

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$8700.00} Since the original update Charge off it has been repeatedly updated as charged off every month or recent months. This continuous updating constitutes an inaccurate payment history for a charged-off account. Such misinformation falsely manipulates the statute of limitations. Your failure to properly investigate this account has infringed upon my rights. I demand the deletion of the account immediately. 
The inaccuracies are significantly damaging my credit score In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual you verified with above so that I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report FOR THE 6th time based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and/or delete the inaccurate accounts. Given these inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. If these accounts are not deleted after this factual report I will have to seek the help of the CFPB or Legal Action on the next steps to protect my rights and reestablish my ability to obtain credit. These inaccuracies are preventing me from obtaining the credit and lending rights I require and those requests to my personal and business lending facilities have been duly noted over the past 6 months.