davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: United PanAm Financial Corp. (AZ)

I am writing to file a complaint against United Auto Credit for committing fraud through the securitization of loans, false representation, bad credit reporting, and unfair debt collection practices. 

Despite having fully paid off my car loan, United Auto Credit, a third-party company, has refused to release the title to my vehicle. They profit excessively from the securitization of loans, inflating their earnings up to 100 times the loan 's value through hidden fees and charges. This fraudulent practice has trapped me in a financial bind, denying me full ownership of my car. 

Additionally, United Auto Credit has misrepresented loan terms and conditions, leading to confusion and financial hardship. They have also reported inaccurate information to credit bureaus, adversely affecting my credit score and financial standing.

Furthermore, United Auto Credit engages in unfair debt collection practices. They have made non-stop calls to my phone, contacted others around me, and issued threats of repossession, causing distress and embarrassment. 

I urge the FTC to investigate United Auto Credit for these deceptive practices and take appropriate action to protect consumers from such fraudulent activities. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-25
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. (IN)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Balance {$5200.00} XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX Balance {$2500.00}
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

PYOD LLC is reporting 2 unauthorized accounts on my credit report when they were notified that my personal information was compromised in the XXXX data breach. I am requesting that the following XXXX accounts are removed from my credit report immediately : XXXX and XXXX. Furthermore, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Please see the attached XXXX data breach claim and the invoice detailing the violation and amount and remit payment to the address listed on the invoice.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I went to Chase bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX with my husband to open a checking account with a {$300.00} bonus incentive. We did this process with XXXX XXXX. She said the requirements for me would be to have my social security direct deposited within 90 days as stated on the uploaded document. When the process was complete she asked if we had any questions. My husband asked if he should transfer a small deposit from our current bank. XXXX said, That wont be necessary, just make sure you do the Direct deposit setup right away.. Which I did. 
On XX/XX/XXXX I was expecting my SS deposit but couldnt gain access to my new checking account. I was told they closed it on XX/XX/XXXX due to inactivity by, XXXX XXXX. She said bank policy, which we were not informed of, is no activity after 60 days gets account closed. I was never told this, as witnessed by my husband. incidentally, it was closed after 57 days. I am now trying to get my SS payment which is all the money I make! The bank refuses to take accountability even though I satisfied all the requirements for the bonus.
Consumer complaint received 2024-07-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

This is the action I have taken listed below as of XX/XX/year>, and XX/XX/year>. 

Subject : XXXX Account | Final Bill and Payment Details Email sent to : XXXX AND XXXX, this is the only email provided for contacting XXXX and XXXX transfers you to XXXX, Transworld Systems Inc. 

I emailed the XXXX final bill and explained the situation and the XXXX Live agent assisted me, concerning the wireless home internet services I canceled within 30 days due to connectivity issues. An attempted payment was made on XX/XX/year>, but it was not processed. I have verified with my bank, and no payment was recorded. 
XXXX XXXX XXXX XXXX was officially canceled on Saturday, XX/XX/year>. 
Despite troubleshooting efforts by XXXX technical support team, the connectivity issues persisted, necessitating the cancellation of services. I promptly returned all three routers via XXXX XXXX as instructed. The final bill reflects a credit of {$64.00}. 
However, upon reviewing the calculations, I believe the balance should be {$92.00}, not the {$88.00} indicated and paid today, with a live agent at XXXX, payment totally in the amount of {$92.00}. 

Today 's XX/XX/year> emails and phone call to XXXX, Transworld Systems Inc. 

Subject : Formal Notice Regarding Fraudulent Billing and Credit Report Impact Dear XXXX, I hope this email finds you well. I am writing to bring to your attention a serious matter concerning fraudulent billing by XXXX, which has had a significant impact on my credit report. 

Recently, I received a final bill from XXXX that included charges I did not incur. Despite my efforts to rectify this situation, the fraudulent billing was reported to all three major credit bureausXXXX XXXXXXXX, and XXXXresulting in a major negative derogatory mark on my credit report. As a result, my credit score has plummeted by XXXX points. 

This situation has affected me personally, and I believe it constitutes defamation. I am left with no choice but to seek legal counsel to address this matter promptly. 

I kindly request that you investigate this issue thoroughly and take immediate corrective action. Additionally, I expect a written acknowledgment of receipt of this email and your commitment to resolving the fraudulent billing and its impact on my credit. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution.
Consumer complaint received 2024-05-24
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 am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-05-25
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/year> **Subject : ** Dispute of Fraudulent Account Attempt No. XXXX Dear Kikoff Lending llc I am writing to formally dispute the fraudulent account attempt made in my name, which marks the third such incident involving your company. I have not opened any accounts with your organization, nor have I authorized anyone to do so on my behalf. This is a case of identity theft, and I request that you immediately cease any and all actions related to this fraudulent account and remove any associated information from my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to several protections regarding identity theft and fraud. Specifically : 1. **Right to Block Information : ** Section 605B of the FCRA grants me the right to have fraudulent information resulting from identity theft blocked from my credit report. I am requesting that you take all necessary actions to ensure that this fraudulent account is not reported to any credit reporting agencies. If it has been reported, I demand that it be removed immediately. 

XXXX. **Right to Notification : ** Section 615 ( g ) of the FCRA requires that creditors provide notification when negative information is added to a consumers credit report. If this fraudulent account has resulted in negative information being added to my report, I request immediate notification and the subsequent removal of such information.

3. **Right to a Copy of Application : ** As provided by Section 609 ( e ) of the FCRA , I have the right to obtain copies of applications and business transactions relating to the fraudulent account. Please provide me with copies of any and all documents used to open or attempt to open this account. 

Enclosed are the following documents to support my claim : - A copy of my government-issued ID. 
- A copy of the police report regarding this identity theft. 
- The FTC Identity Theft Report. 

I urge you to investigate this matter thoroughly and take swift action to rectify this situation. Additionally, please confirm in writing that this account has been closed and that any derogatory information related to this account has been removed from my credit report. 

Failure to comply with this request may result in legal action, as I intend to fully exercise my rights under the FCRA to protect my credit and identity. 

Please respond within 30 days from the date of this letter to confirm that this matter has been resolved. 

Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-25
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. (LA)

I contacted the credit bureaus on XX/XX/year> to notify them that items on my credit report were wrong. I asked them to investigate and to correct it and send me the results and I have not heard back from them and nothing has been fixed on my reports. I am aware that they have 30 days to conduct an investigation and they failed to do so. It has now been 61 days with no response from them.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX Account # XXXX Name : XXXX XXXX XXXX Account XXXX Date XXXX Balance : {$1800.00} Name : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX Date Opened : XX/XX/XXXX Balance {$160.00} Name : XXXX XXXX XXXXXXXX XXXX Account XXXX Date XXXX XXXX {$1700.00} XXXX believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-25
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. (CA)

I have requested validation of debt at least XXXX times they send me a reporting debt was verified, but they dont tell me how it was verified or do not show any proof that my debt is valid. This is fraud and I am unable to move forward in any of my professions and personal goals of a home because of these
Consumer complaint received 2024-05-24
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. (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX and Experian are reporting adverse information on my credit report despite me sending debt validation letters to the company and them not responding with information requested. 

on XX/XX/XXXX i requested in my letter sent certified mail I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following from you : 1. Validation of the account ( Actual Accounting ) 2. Verification of your claim against me ( a sworn affidavit or hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes, and the Federal Fair Credit Reporting Act.

3. A copy of the contract signed by both parties therefore binding both parties 4. Please also provide me with a true certified copy ( NOT photocopy ) of the original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this note has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud and or mischief. Your said failure to provide the documentation within ten ( 10 ) days, from the date above, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; or It has already been paid in full ; AND That any damages suffered, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

You agree to pay all fee schedules.

Please note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, those calls could constitute harassment and I may take action under Section 1 of the Protection from Harassment Act XXXX. 

As such, my account was closed XXXX with no other updates since then.
Consumer complaint received 2024-05-24
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. (MI)

It has been brought to my attention that you are not removing files when theyre sent with an FTC report with reference number XXXX. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. I also attached here a new FTC report with reference number XXXX. If you choose to not remove the inquiry listed below which are reporting inaccurately due to mistaken credit reporting, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the inquiry as it was opened without my consent or knowledge EXPERIAN : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit report data. I do not consent to E-OSCAR or any means of automated verification.