davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please verify and validate debt : 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, I trust this letter finds you well. I am requesting verification of the alleged debt, specifically, a copy of the original purchase agreement.Please be aware that the agreement must be with original creditor and signed by all parties involved. I am requesting this because I've had other agencies reach out to me in regards to the same debt. Also I kind request that you also send the following : 1.Verification of the original creditor, XXXX XXXX2.Detailed proof of the amount owed, encompassing any fees, interest, or additional charges.3.Clear documentation establishing XXXX XXXX XXXX to collect this debt.4.Copy of The DEBT Purchase AgreementI am also requesting deletion of all prior reporting made to any of the consumer reporting agencies i.e. Experian, XXXX, XXXX, XXXXXXXX XXXX. Please cease all collection efforts until this allegeddebt is validated as accurate and complete.Thank you for your cooperation in this matter.
Consumer complaint received 2023-09-16
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. (GA)

In accordance with 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 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  15 U.S.C 1681 section 602 A. States I have 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.
Consumer complaint received 2024-05-10
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. (NC)

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 Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 
XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights XXXX XXXX Account # : XXXX has violated my rights XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 

( XXXX XXXX : XXXX  ) Account # : XXXX has violated my rights. 

XXXX Account # : XXXX has violated my rights. 

XXXX Account # : 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 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 2024-05-10
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: NAVY FEDERAL CREDIT UNION (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (MA)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (SC)

I have requested a copy of my contract multiple times and their only response is that they dont have it. Some of the representatives lie and ask me for my email and pretend as if they will send a copy and I have yet to receive any documentation and it has been 2 months. I have written the company and I have called numerous amounts of time. They are very unprofessional. When I ask to speak to a manager they say that they are all busy. I understand that I have a right to the contract. They charged off the account as bad debt to the credit bureaus without giving me any information. This experience with a simple request has been overall repulsive. I literally had to beg a representative to try and reach out to a manager. Its disgusting.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I have been a customer of Wells Fargo Bank for almost XXXX  years. I can count on my fingers the amount of times I have needed to dispute a transaction, each time I have, it was fraudulent. On XX/XX/2023 I noticed XXXX transactions that were not made by me, even though it was my card number used. Through online banking, I disputed the transactions and a provisional credit was provided. Then, XX/XX/2023, I received a letter that informed me that Wells Fargo Bank determined three of the four charges were authorized by me and not fraudulent and they would be reversing the credits. I called in to the claims department, they informed me that this was determined because the merchant was able to provide receipts that showed my card was swiped to make these purchases. I informed them again that my card had not left my possession and those purchases were not mine. They reopened the claim. I hadn't received any updated information nor had I received any credits so I called back in. The claims specialist let me know again that Wells Fargo Bank and the merchant determined these to not be fraudulent charges because a card swiped and the merchant provided receipts. She let me know that Wells Fargo has special cards that can not be duplicated so when a card is swiped, they have to determine the charges valid. I can not believe that my hard earned money is just gone to fraudsters and the bank that I have been so loyal to for so many years is telling me there is nothing they are going to do about it. There are no layers to investigating, they look at receipts and only receipts, so if a criminal finds a way to make a card with your number on it, then the customer is out of luck. They didn't look at my prior transactions to see that I have never been to the same gas station in one day and spent {$340.00}. There were {$610.00} spent in a matter of 3 days. They didn't say whether a pin was used or if it was a credit card swipe if an ID was checked to verify the name on the card. They didn't say they reviewed camera footage of the transaction. Over the years I have given Wells Fargo Bank my money with the understanding they were keeping it safe, they are not keeping it safe.
Consumer complaint received 2019-05-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian is confusing my identity with someone elses, who coincidentally was born on the same day, XXXX, at the same hospital and who has the same name as I do. I have attached a copy of my Drivers License and Social Security card. Please verify and update the correct information on my Experian account. Confusing my identity with someone else with my credit reporting is harming my credit score.
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.
Consumer complaint received 2023-08-25
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. (GA)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2024-02-23
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. (PA)

There were multiple accounts reporting on my Consumer report that I did not consent to the violated my rights as a consumer. I received denials and damages to my livelihood because of it. I need REMEDY as Per 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Several ITEMS WERE DELETED FROM MY CONSUMER REPORT THAT I NEVER CONSENTED TO
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CO)

My TD Bank Cash Rewards credit card was stolen and a fraudulent purchase of {$320.00} was made at a local grocery store. When I reported that charge, I was also told a second purchase was attempted at the same store within the next few minutes for {$210.00}, but it was denied automatically because it was suspected as fraudulent. 

Several times ( at least four, but I've lost count by now ), I have filed a claim with TD Bank that the charge was fraudulent, and several times it has been rejected because the thief chose to make their purchase at the same grocery store I shop at ( albeit a different store number, which is indicated on the credit card statement ). TD Bank has stated that because the purchase was made at a merchant I have previous business with, it is rejected as fraudulent. I have re-filed the claim several times, explained the story to several customer service representatives, and I have faxed in the police report I filed. Each time, it still is rejected. 

The customer service representatives have told me there is no way for me to contact the fraud department directly to speak with them. I have requested a call back from the fraud department twice, and they have never contacted me or left me any sort of a message about how to reach them. I have offered to send in a surveillance image of the thief provided by the police officer I contacted, but I have been told by customer service they do not have an email address available for anyone at the fraud department. Without ever speaking to me, the fraud department just rejects the claim each time with the same designation ( denied because of previous business with the merchant ). Thus far, I have been unable to explain my story to anyone at the bank who actually has the power to reverse the charge.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

On r about XX/XX/year> I went to XXXX XXXX XXXX to purchase a vehicle while waiting I noticed my credit had been used by XXXX to run my credit an this wasnt the only time they ran my credit information without my consent I happened on XX/XX/year> an I have a active fraud alert on all three credit reporting agencies.. with XXXX instructions that I should be called if any credit is to extended too me.. an I never received XXXX call so there inquiry was unauthorized an each other financial lender had no authority to run my credit .. they violated my consumer rights an the fair credit reporting act .. an I would like to b compensated for each inquiry the some of XXXX $ an would like all hard inquiries removed..
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There is one account that is not mine I have not applied for this or know where it came from. Please help me out I have tried to go to the bureaus regarding this and no help. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2024-07-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AutoNation Enterprises Incorporated (LA)

Dear CFPB, I am writing to formally lodge a complaint against AUTONATION FINANCE for improperly reporting a repossession on my XXXX credit report. Their actions appear to violate provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

On XX/XX/XXXX, AUTONATION FINANCE listed a repossession on my XXXX credit report, indicating that the account was closed but repossessed. However, AUTONATION FINANCE had already purchased the car back in XX/XX/XXXX and sold the vehicle. This inaccurate reporting is misleading and adversely affects my credit score.

According to 15 U.S. Code 1601, the purpose of the TILA is to ensure that consumers are provided with meaningful disclosures of credit terms and protected from inaccurate and unfair credit billing practices. The misreporting of this repossession is inconsistent with these principles.

Furthermore, under 15 U.S. Code 1681n, AUTONATION FINANCE is liable for willful non-compliance with the FCRA. If they fail to delete these inaccurate items after my dispute, they owe me {$1000.00} per item for each instance of non-compliance. 

Given these circumstances, I respectfully request the following actions : 1. Immediate investigation into the inaccurate repossession entry on my XXXX credit report. 
2. Removal of the repossession entry that is inaccurately reported.

3. Cease any further attempts to inaccurately report this or any related information on my credit reports.

4. Provide written confirmation that the inaccurate item has been removed and will not be re-reported.

Please consider this letter as a formal dispute of the inaccurate repossession entry on my credit report. I expect a response within thirty ( 30 ) days from the date of this letter, confirming that the inaccurate entry has been investigated and removed. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue and ensuring compliance with federal credit reporting and debt collection laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-17
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. (TX)

Account name XXXX XXXX XXXX Account type Auto Loan Date opened XX/XX/2022 Original balance {$52000.00} To express my deep concern and frustration regarding the continued presence of a fraudulent & inaccurate information on my credit consumer report. These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There are accounts showing on my credit file that does not belong to me 100 %. I have sent letters to the credit agencies requesting that this erroneous information and inaccurate accounts be removed from my credit reports. I am in the process of trying to purchase a home and this incorrect information is hold me back. Please help get the following information removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- looks like apartments Incorrect Address Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Incorrect Employers : XXXX and XXXX The credit agencies must be putting another person with my same name information on my credit report.