davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (OH)

I had a loan with loan Mart that I paid off and I got another loan for {$2000.00}. Apparently I was late on a payment which I wasnt even aware of. I thought the payment wasnt due till the following month and they came and took my car with my prior loan when I was late, they added the payment to the end of the loan this time they had no options for me. Its been impossible to talk to them. Ive been hung up on the person that repo the car did not let me get my stuff nor did they provide me with a list of my belongings which I lost a guitar. They tried to charge me {$40.00} to pick up my own stuff which its illegal to do that when I did talk to XXXX when my car first got repossessed, I made them aware of this and they did nothing about it. I complain to the attorney general. They come up with excuses since then its gotten worse. They dont know whether my car sold or not after the first payment, they told me they would put the following month on the end of the loan they didnt do that. They sent me another bill for it so it looks like Im late again Ive called. Its impossible to talk to the man that answers the phone. Every single time is the same one. He hangs up on me and gets all flustered and has no idea what hes talking about. He said he didnt know my car was sold or not so I never received a notice so I could be at the auction. I dont know where my car is. I was never told which auction it was sent to. I havent been notified of anything and why is it different from the first loan to the second loan that I paid off in full? Was it able to go on the end of the loan, but not now and why dont they have any information about my car and where it is And why was it taken? Ive never been so completely ignored by a company that I had a loan with or any dealings with Ive never been treated so rudely and terribly in my life I need to know where my car is or whether or not, I need my guitar back these people act like its just free {$180.00} payment over {$1000.00} so they made it impossible to get my car back which is very unfair and illegal actually its called predatory lending and its terrible XXXX. I want my car back. I wouldve paid it if they wouldve known where the car was or whether it was sold or not.
Consumer complaint received 2024-05-22
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. (PR)

On my credit report of transunion they reportin information that not belong to me the XXXX are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 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
Consumer complaint received 2023-09-26
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: JPMORGAN CHASE & CO. (OH)

On XX/XX/2023 someone purchased concert tickets in Pennsylvania using our credit card. We were in California at this time. We were first alerted to this when XXXX received a text from Chase asking if the purchase was legitimate. We said no. The text response said we had already approved the purchase. We then logged into XXXX 's email account and saw that someone was actively in his account accessing and deleting emails. We attempted to log them out but were unable to with XXXX. 
We contacted the Chase fraud department to alert them of the purchase, gave the information on how the email seems to have been hacked. We also contacted XXXX the site the tickets were purchased from to alert them of the fraudulent transaction. We were able to save one email before it was deleted and I sent that email to XXXX alerting them that it was a fraudulent transaction and to cancel the tickets. 
Chase then put the charges back on our credit card stating that XXXX said they were a legitimate purchase. I then sent Chase Fraud Recovery the email I sent to Gametime telling them it was not legitimate and then sent a following email with my call log showing I had called Gametime to alert them of this fraudulent purchase.
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (IN)

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 - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2017-01-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I am a XXXX Citizen who is working as XXXX in XXXX XXXX, XXXX ( XXXX ). I have been trying to start an investment account in the XXXX for my retirement, but no company ( XXXX, XXXX, XXXX, Capital One, etc ... ) will do business with me because I reside overseas. I literally ca n't invest for my retirement in the XXXX because the XXXX firms are unwilling to work with me, a XXXX Citizen with a XXXX mailing address ( Minnesota ). How can these XXXX based companies discriminate against a XXXX citizen by refusing to create a XXXX Dollar based investment account solely because I reside abroad? I 'm not a rich person, and I am trying to save for retirement, but I am finding this to be impossible.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (CO)

Subject : Notice of Dispute and Pre-Arbitration Demand To Whom it may concern, I am writing to formally dispute the validity of the debt referenced in your recent communications. Additionally, I am notifying you of my intent to proceed with arbitration if this matter is not resolved promptly and satisfactorily.

It has come to my attention that your agency may be in violation of multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692d ( 5 ) : Prohibiting harassment or abuse by causing a telephone to ring repeatedly or continuously with the intent to annoy, abuse, or h

arass any person at the called number. 15 U.S.C. 1692e ( 2 ) ( A ) : Prohibiting the false representation of the character, amount, or legal status of any debt. 15 U.S.C. 1692g : Requ iring that within five days after th
e initial communication with a consumer, a debt collector must send the consumer a written notice containing specific information regarding the debt.

I am aware that your agency likely acquired this debt for a fraction of its original value, potentially less than a third. Given this, I propose that we resolve this matter under reasonable terms. However, if we can not come to an agreement, I am prepared to initiate arbitration proceedings. Please be aware that the costs associated with arbitration, as well as the potential statutory damages for your FDCPA violations, will far exceed the amount you have invested in acquiring this debt.

To avoid unnecessary legal action, I demand that you cease any collection activities and engage in good-faith negotiations to resolve this dispute. Failure to do so will result in the initiation of arbitration proceedings, and I will seek full recovery of costs, including those associated with your violations of federal law.

Additionally, I request that a high-ranking official within your company review this dispute and personally sign any response. This signature will serve as a confirmation that the information provided is a true and sworn statement of your companys position regarding this matter.

I expect your prompt response within 30 days of receiving this notice. If I do not receive a satisfactory response, I will proceed with arbitration.

Sincerely,
Consumer complaint received 2024-07-17
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. (CA)

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Transunion for their refusal to remove fraudulent accounts from my credit report, despite multiple attempts to resolve this matter. 
I am a victim of identity theft and human trafficking, which has resulted in several unauthorized accounts being opened in my name. Specifically, there are three fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are still listed on my credit report. 
Transunion is in clear violation of Section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act Despite providing Transunion with all necessary documentation and repeatedly requesting the removal of these accounts, they have failed to take any action. This inaction is severely impacting my financial stability and causing undue stress. I would like your help in making sure that Transunion meets its legal obligations and removes these fraudulent accounts from my credit report as soon as possible. 
Thank you for taking a look at this urgent matter. 

Enclosed are : A copy of my Police report, Identity Theft Report, proof of my identity and address. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-22
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
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: EQUIFAX, INC. (PA)

I DONT THINK THAT THE COMPANY REALLY READ MY DISPUTE ALONG WITH THE ATTACHED INACCURATE CREDIT REPORT SHOWING THE INACCURACIES. LETS TRY AGAIN. PLEASE REVIEW MY ATTACHMENTS For the past 24 months i have submitted certified letter dispute pointing out to the company XXXX FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. For the last time please take a look at my attachment and follow along : Item # XXXX XXXX # XXXX REFORTING TWICE iTEM XXXX XXXX  # XXXX Reporting twice XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/year>, closed on XX/XX/year> and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : XXXX How can you verify the same account numbers reporting twice on a credit report? XXXX. How can you say you call the company and verified reporting inaccurate information? XXXX. How can you close the same account twice at the same time on a credit report? Item # XXXX XXXX XXXX XXXX XXXX  # XXXX I have never have an account or done business with XXXX XXXX XXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXX XXXX, they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Inaccurate information I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report.
Consumer complaint received 2023-12-11
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. (NY)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-20
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. (AR)

I am writing to express my serious concern and dissatisfaction regarding the multiple unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are causing significant harm to my financial well-being and are in violation of the Fair Credit Reporting Act. I am seeking immediate resolution to this matter. 

To provide you with a complete understanding of the situation and my extensive efforts to address it : I discovered several items on my credit report that I firmly believe are the result of identity theft or fraudulent activity. 

Upon discovering these fraudulent items, I promptly filed a dispute with your agency. I submitted all necessary supporting documentation and evidence to substantiate my claim. 
Following the initial dispute, I requested a reinvestigation of the disputed items as I believed they were not adequately addressed during the initial dispute process. 
I have made numerous follow-up attempts through written letters, emails, and phone calls to your agency, seeking updates on the status of my dispute and the progress of the reinvestigation. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, my dispute has not been resolved within the required time frame, which is a clear violation of my consumer rights. 

I hereby request that you : Initiate a thorough and immediate investigation into the fraudulent items on my credit report, as mandated by the law. 

Furnish me with a written response that outlines the results of your investigation, including any actions taken to rectify the fraudulent items. 

If it is determined that the items are indeed fraudulent, I insist on their immediate removal from my credit report. 

Ensure that your agency adheres to all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS XXXX Balance : - XXXX XXXXXXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$480.00} XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/24. Tried to sign up for an account to be able to freeze my credit report at trans union. Unable to set up my account properly, their system just puts me in a loop that wont let me finish the sign up procedure. I have called their customer service line repeatedly but just keep getting dropped calls every time. No response to chat either. They are literally IMPOSSIBLE to get ahold of to freeze my account at this point. I did it on the other two services without issue but trans union is ridiculously horrible and impossible to contact successfully much less establish an account to accomplish this supposedly simple task. I need assistance to get my credit frozen as I am legally allowed to do.
Consumer complaint received 2024-08-01
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. (GA)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so t

hat I may regain control over my financial well-being. I sincerely urge you t
o give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-01-29
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. (CT)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX