davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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)

This is my SECOND dispute regarding 15 U.S.C. 1681b ( a ) ( 2 ), FCRA 604 ( a ) ( 2 ) which states a credit reporting agency can not furnish an account without a consumers written instrucions. I disputed 2 accounts via CFPB # XXXX Submitted XX/XX/year>. 
XXXX account XXXX/ XXXX XXXX was DELETED! 
However, the other account XXXX XXXX XXXX remains on my credit report and I need to know WHY? 
In your response I received today your agency incorrectly stated that I infered that the XXXX XXXX  account was closed and your statement is WRONG because I never said that! 
XXXX XXXX is not a closed account only the other account XXXX XXXX was appearing in the CLOSED section of my Equifax credit report and I never said XXXX XXXX was closed, and a review of my dispute will reveal that I never stated that XXXX XXXX was closed. I dispute XXXX XXXX because it violates my privacy rights. I never gave any CONSENT, PERMISSION or any WRITTEN INSTRUCTIONS and XXXX XXXX should be DELETED along with the XXXX XXXX XXXX account that was deleted that I disputed for the same reason ( s ) 15 U.S.C.

1681b ( a ) ( 2 ) / FCRA 604 ( a ) ( 2 ). 

The basis of my dispute is that I never gave Equifax any CONSENT, PERMISSION or any WRITTEN INSTRUCTIONS in accordance with 15 U.S.C. 1681b ( a ) ( 2 ) / FCRA 604 ( a ) ( 2 ).

Also, I am now officially requesting the records that will reveal the procedures used that led to account : XXXX XXXX. # XXXX to be VERIFIED according to your response that I received today via CFPB Portal on XX/XX/year>. 
I also in accord with 1681i request the name of the person ( s ) you spoke with along with their telephone number ( s ) and address. 
I request this information in accordance with 15 U.S.C. 1681i / Section 611 ( a ) ( 6 ) ( B ) ( iii ).

I also understand that your agency has up to 15 days to provide this information to me or Equifax could be liable to pay me {$1000.00} for an untimely reply. 
Additionally, As a federally protected consumer I am requesting my Equifax Credit File. I want your agency to give me EVERYTHING that you have in my Equifax Credit File that pertains to me. and I do mean EVERYTHING without leaving anything out that you have on me in its entirety. 
DELETE XXXX XXXX # XXXX.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (LA)

Dear Caine and weiner I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2018-12-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRANSWORLD SYSTEMS INC (GA)

XX/XX/2018 i went in my local branch in XXXX ga, to close my checking account and saving account, i spoke to the Head office over the phone and in person they advise me they will not close my acconts, as well they let companys take advange of my checking and countiune to let the companys, countiue to over draft my cheking, and the creadit union kept appling {$36.00} overdraft fees, name of the company that has the account transworld system inc, i do not owe {$910.00}
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (AL)

On XXXX I was involved in an auto accident in which I was traveling uphill. The vehicle I was driving was a cXXXX XXXX XXXXXXXX carrying app XXXX lbs. While driving uphill the vehicle slowed down due to weight to a speed of approximately XXXX. I applied the emergency hazard flashers to warn any drivers behind me of my low speed. I was then struck from behind by a Gas Tractor trailer. Currently as of today first advantage after doing a background check has noticed a accident on my dmvr. The accident I was involved in was totally unavoidable and I would like to place an appeal.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (AL)

I have previously disputed the following account with XXXX : Creditor Name ZIONS DEBT HOLDINGS Account No. 
XXXX Original Creditor XXXX XXXX  Responsibility Individual Condition Derogatory Original Balance {$440.00} Balance {$440.00} Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Dispute resolved ; customer disagrees Zions Debt Holdings is also in violation of 15 U.S.C. 1681-1681x as they are knowingly reporting inaccurate information onto my credit report with XXXX. This wrongful collection has caused me direct financial hardship and harm. If this isn't removed immediately from my credit report, I will seek {$1000.00} for each violation
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Dear Madam/ Sir, In XXXX, my family purchased a XXXX XXXX XXXX in CT. The local person moved us from the company fraudulently and I reported to FBI. It takes more than 6 years and I have not got the result yet which delayed my civil letigation. My attorneys found the person who is a fraud has fraudulently transferred the assets to himself by XXXX XXXX  one year ago. So they suggested me to find out the bank transaction info through my account which is urgent. I need you to support me get the historical transaction info in my check account of Bank of America in XXXX  to support my attorneys. Thx a lot!!! 

Look forward to hearing from you!!! 

Fondest regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I applied for XXXX XXXX  in order to achieve full reinstatement of my loan. XXXX sent SPS ( the servicer ) a request for a reinstatement quote in order to provide a XXXX of up to {$50000.00}. However, SPS refused to provide this reinstatement quote, stating that it can not do so because my loan is in charged off status. SPS has thereby made it impossible for me to obtain this XXXX that would bring me current on my mortgage. I want to get current on the mortgage and resume making my regular monthly payments. But XXXX refusal to engage means I am instead forced to give up a XXXX  XXXX of up to {$50000.00} and watch interest accrue without being able to make payments.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance to the Fair Credit Reporting Act. 

This creditor have violated my rights. 

UNDER 15 USC 1681 section 602 states i have the right to privacy.

UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions.

UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This in in reference to Capital One Savor care # XXXX XXXX XXXX XXXX issued to XXXX XXXX. On or before XXXX XXXX, XXXX I responded to an email promotional offer of an 11 month interest free balance transfer. On XXXX XXXX, XXXX the amount of {$6000.00} was transferred from my account with my understanding that if I made the minimum monthly payments that the amount transferred would accrue no interest for a period of 11 months. So I marked XXXX XXXX, XXXX on my calendar for the payoff date. However on XXXX. XXXX, XXXX I received an email from Capital One that stated the interest free promotion would end on XX/XX/XXXX. Having made all of my payment on time and in excess of the minimum required I contacted Capital One about the discrepancy and after several phone transfers I was told that the could not or would not furnish the email stating the promotional offer but was told on the phone that it clearly stated the the promo offer would expire on XXXX XXXX. Now to me that inferred that while the offer would expire on that date, the offer was still valid until the offer expired. While I have in my budget the moneys to pay the remaining balance transfer amount on the expected date of XXXX XXXX in full, having to pay 2 months in advance will make it difficult to prevent having to pay the 29.24 % interest for the 2 months that I feel was entitled to. FYI I am retired, XXXX XXXX XXXX and living on a fixed income. Thanks for any Heip. XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

Called to speak with representative at Equifax to verify details and to verify if they have received letter for disputed details from credit reporting inaccuracies. Was told that if it doesnt include ID and verification of identity, letter of dispute will be disregarded. Tried submitting details online to upload documents to possibly avert that issue. Unsuccessful with reaching representatives via phone at XXXX and XXXX due to high call volume and continue to be rerouted to main menu automated system.

Details on report has some information that needs to be removed due to my consumer rights and would like to ensure inaccuracies are addressed regarding public record information and negatively reported accounts upon pulling credit report, it has come to my attention to that these are concerns and issues that has cause me to not be granted credit. It doesnt create an accurate and current credit picture of my situation and has caused strain in the ability to sustain basic necessities when credit extensions are needed or when it involves basic credit checks.

Letters have been redrafted and sent out, however I would like to get this issue resolved as soon as possible, seeing as how it is majorly affected my creditworthiness and ability to maintain my consumer rights.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-06-13
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. (IL)

My name is XXXX XXXX, and I am writing to bring to your immediate attention a serious matter that has recently impacted my life. 

Regrettably, I have become the victim of identity theft, wherein several accounts have been opened in my name without my authorization. This act of fraudulent activity has not only caused immense XXXX  and XXXX  but has also resulted in significant financial losses on my part. 

I appeal to your esteemed institution to take swift and decisive action to investigate this matter further and to assist me in rectifying the damage caused by this despicable crime. I have already taken the necessary steps to report this incident to the relevant authorities, and I trust that your cooperation will help in resolving this issue promptly. 

I have attached relevant documentation, including copies of the fraudulent accounts and any supporting evidence that may aid in your investigation. Your prompt attention to this matter is greatly appreciated, as I am in urgent need of your assistance to halt any further unauthorized activities in my name. my financial security and peace of mind. 

Thank you for your attention to this matter. I look forward to your timely response
Consumer complaint received 2017-01-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Prizm Financial Company, LLC (OH)

I recently submitted a complaint about Prizm Financial ( case # XXXX ). I was in the process of trading in the vehicle I had financed through them and they were all set to finance my new vehicle until they saw my complaint. Yes I had late payments because of my health but the agreement was on the table until they saw my complaint. Well since I traded my vehicle and received financing through another lender, they knew they were being paid off and yet they still reported negatively to the credit bureau. What XXXX!! Do not do business with this lender because their tactics are reprehensible.
Consumer complaint received 2024-07-04
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)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-06-11
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. (TX)

I recently reviewed my credit report and noticed that an account was not reporting accurately. Specifically, ten late payments were recorded on an account that was, in fact, paid on time. The consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint, highlighting the inaccuracies on the following dates : XX/XX/year>. 

I am now requesting that you investigate this account and update these payments to reflect that they were paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX TranUnion and XXXX to Remove listed Inquires. 
And produce P.O.A and Informed Them That the name XXXX XXXX XXXX and any variation of the name is attached to a Registerd Security Agrement
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo declined my fraud dispute without investigation. 10 days have passed and I have not received any credit As context, I am a customer with 25 year credit history, XXXX XXXX score, and no previous disputes On XX/XX/year>, I reviewed my account and noticed a large number of unauthorized charges, most if the amount around {$500.00}, all occurring in the course of XXXX weeks at about XXXX charge a day, at XXXX XXXX across the country. 

All these transactions were fraudulent. I reported it immediately to the credit card company. A few days later, agent called and asked if I have card in my possession ( I do ). She informed me that all transactions were " card present ''. I told her they are fraud, and pointed out to suspicious pattern described below. She hanged up. Few days later i received a letter denying my dispute. When I called, they told me that the charges were declined because transactions were " card present '' with chip used. I reiterated these were fraud and asked to reopen My complaint is : * Wells Fargo denied my report of fraud charges without attempting to investigate. I told them before that I have card in my possession and transactions are fraudulent. They ignored it. Simple XXXX search shows industry reports that fraudsters have been copying cards and fraudulently making chip transactions * Transactions are clearly following suspicious pattern : -- All but XXXX are from XXXX stores -- They occur about once a day -- They are all ~ {$500.00} or slightly less than that -- They are from different XXXX stores -- XXXX TX, XXXX TX, XXXX TX, etc -- These card present transactions happen when i did other, legitimate card present transactions in different locations far far away ( I see them on my statement ) -- I never used any of theseXX/XX/XXXXstores, and normal people don't make daily {$500.00} transactions in home improvement stores all around the country. 

* They did not try to do further validation that I told the truth : - They ignored all patterns above - Receipts have to be signed. Store records will show that the signature is not mine - XX/XX/XXXX records customers. One can ask video records and show this was not me - My cell phone and other records will show that I was nowhere close to these stores and was in a different part of the country, no one from XXXX asked me to provide any of these. 

* Wells Fargo declined my request without due care, and did not give me any provisional credit. I believe this is a violation of XXXX as an unfair and deceptive practice. 

I demand Wells Fargo to uphold the XXXX for fraudulent transactions.