davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (TN)

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

This was a debt that was placed on my credit report by a third party collection agency without my consent. This debt was invalid and this was moneys never owed to the original creditor and not the collection agency. The contract the original creditor had was invalid. This was a debt that was wrongfully place onto my account by both companies and I am requesting removal.
Consumer complaint received 2024-07-23
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 (FL)

Hello! 
My name is XXXX XXXX. I am a victim of Identity Theft. Monterey Financial Services is attempting to collect a debt that is not mine. The XXXX is a complete result of Identity Theft. Please have them remove this collection account from my credit report because it is damaging my chances of getting a car. 

Please have them remove this account and investigate properly. 

Thank you.
Consumer complaint received 2024-07-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

XXXX, XXXX and XXXX ( representing Caine & Weiner ) contacted me multiple times to collect a debt that I don't owe from XXXX XXXX. When I asked them to provide me any proof from XXXX they sent a document that has information doesn't relate with me like the physical address, policy number and policy period. I told them this is not mine but thy couldn't understand me. I tried to tell them I never lived in the address mentioned in the document, I never had that policy number neither the policy period and never driven or owned the vehicle you are talking about. they ignored what I said and kept threatening me.
Consumer complaint received 2024-07-22
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: Self Financial Inc. (IL)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, XXXX XXXX XXXX SBNASELFLNDR, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to Illinois, particularly under XXXX XXXX XXXX XXXX 

It has unequivocally come to my attention that SBNASELFLNDR has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Illinois state law, including identity fraud statutes relevant to XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Specifically, Illinois law under the Identity Theft Enforcement and Restitution Act underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SBNASELFLNDR to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SBNASELFLNDR immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Illinois state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Illinois state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SBNASELFLNDR will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-22
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. (AR)

I, XXXX XXXX, do hereby state that the following information is true. 

Several creditors and items are being reported on my credit report that I have no knowledge of and believe should be removed. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and FTC/ IdentityTheft complaint # XXXXBelow are the specific accounts and inquiries in question : Accounts to be Removed : XXXX. XXXX  XXXX  - Account Number : XXXX - Amount : {$1100.00}/ Collection Account XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. DEPT OF EDXXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. DEPT OF ED/XXXX  - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX Additional Requests : - I need the block on my online access removed. 

Additional Accounts : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX Inquiries to be Removed : XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

A wire was sent to a non existing account at XXXXXXXX XXXX  for {$6300.00} on XX/XX/year>. I have attempted to have Chase Bank resolve this issue over the last 3 months. They informed me that they made over 5 attempts to contact XXXX XXXX  I filed a complaint with XXXX and was told that Chase Bank never contacted XXXX regarding this wire. The money never went into an account so it is sitting there and I need it recalled so it can be put back into my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (KY)

Consumer ID 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 Chex Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Chex System consumer report which is fraudulent. 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. Items listed above, have 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 ( AN ( 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 NEVER opened or used the following account numbers, please remove all information below : 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 Original Charge Off Amount : {$120.00} Closure Status : UNPAID I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Chex Systems report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc. (MD)

To Whom It May Concern, I am writing to file a formal complaint regarding an issue with my auto loan that has persisted despite my attempts to resolve it with my lender. My auto loan account number is # XXXX, and it was with consumer portfolio services inc. 

In XX/XX/2023, my car was declared a total loss due to an auto theft. My insurance company, XXXX XXXX, paid off the remaining balance of the loan in full. I received confirmation from both my insurance company and the lender that the payment was processed and the loan was settled. 

However, despite the loan being paid off, I have continued to receive billing statements from consumer portfolio services, indicating that I still owe money on the account. I have contacted the lender multiple times to resolve this issue, but they have failed to correct the account status and stop the billing. 

This ongoing issue has caused me considerable stress and has adversely affected my credit score, as the lender has reported these supposed missed payments to the credit bureaus. I believe this is an unfair and deceptive practice and is causing me undue financial harm. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that consumer portfolio services, corrects the status of my account to reflect that the loan was paid off by the insurance company in XX/XX/2023. Additionally, I seek the removal of any negative information related to this account from my credit report.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (MI)

Discovered money was being drawn out of my account to upgrade who I never contacted or opened a loan with this was XX/XX/XXXX loan was opened in XXXX sometime company is not cooperating with me they wont close account or send letters to me
Consumer complaint received 2024-07-21
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: Consumer Portfolio Services, Inc. (IL)

Public Law 73-10/HJR192 of 1933 is still in full force and effect, which states that " ... to require a payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby , is declared to be against public policy ; ... '' Public Law 73-10/HJR192 of 1933 is still in full force and effect, IM DEMANDING YOU REMOVE THIS NEGATIVE MARK FROM MY REPORT IMMEDIATELY WITHOUT DELAY
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

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 XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the XXXX XXXX XXXX XXXX have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been having issues trying to get my last name changed with a credit bureau since I got married back on XX/XX/2024. I changed my last name within two days with the Social Security Administration. I was able to change my last name with both XXXX and XXXX online and everything was resolved. I have been having issues with TransUnion as they say they can not do disputes for last name changes online. I would have to send sensitive documents through the mail. I do not feel comfortable sending a copy of my social security card through the mail. Trying to actually talk to anyone about these issues is atrocious as it seems as though TransUnion is run purely by robots. Tried to talk to someone over the phone and when I finally got through, they hung up on me and never tried to reach back out to me. Their chat line is purely AI or robots or whatever so they keep repeating the same script over and over. I can not view my credit report on their site as anytime after I log in, they say there are errors retrieving my information including my dispute results. I can not be verified properly with XXXX XXXX for online account access with my credit card because TransUnion will not update my information properly. Credit bureaus are unnecessary as they have all our personal sensitive information and then they are careless with it all. I have such a headache trying to deal with all of this when my own mother never had to when she got married. They didn't have credit bureaus back then. Must have been nice.
Consumer complaint received 2024-07-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sensible Auto Lending, LLC (MA)

Hi SENSIBLE AUTO LENDING ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( XXXX ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zarzaur and Schwartz, PC (AL)

I contacted Zarzaur & Schwartz attorney at law collection team on XXXXconcerning a debt that I was paying in their office monthly. I was advised that the debt had turned into a garnishment. I requested the total due and settled paying the account in full on XX/XX/24. XXXX XX/XX/24 I was served by the sheriff of XXXX XXXX with garnishment papers. I contacted the attorney office concerning this matter and was advised someone would call me back. No one ever called back. XXXX wages were garnished on XX/XX/24 even though this account was paid in full. I've contacted the collection team basically everyday inquiring about a release and was advised on several occasion it was mailed on XX/XX/24. My employer has not received it and I've contacted the small claims court in XXXX, AL on several occasions and was advised nothing has been received and that the release can be submitted electronically. On XX/XX/24 I contacted the collection team and again advised the release was mailed XX/XX/24 and I need this information sent to avoid wages been garnished again on my next pay date. A manager by the name of XXXX XXXX contacted me within 5 minutes of the call. I explained the entire situation to him, and he advised there was no record of a release sent and that he would send the supervisor who handles releases an email and he would be in touch with me with updates. I'm getting nowhere with this company. I paid this debt in full and was still garnished. I need someone higher to look into this practice. I need the release garnishment sent to my employer in order to stop further garnishment. I shouldn't have to follow up to request this information as they should know to send a release when an account is paid in full.
Consumer complaint received 2024-06-12
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.