davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
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: Westlake Services, LLC (FL)

I purchased the vehicle in summer of 2023 for my daughter, when she went to make her first car payment on time the lot was empty and was closed down ( American financial ) so thru the news I found out that thousands of other people were going thru the same issue and found out who the new finance co was, ( westlake portfolio ) so then my daughter started making on time payments to them ( never late ) in XXXX I went to register the vehicle cause that when it expired on my birthday and was unable to register the vehicle due to some hold on title. So now Im stuck with a vehicle thats illegal to drive and they want payments, so I let them know when I can register the vehicle they will receive a payment and they never provided it and now its stuck on my credit for there fraudulent transaction on the loan
Consumer complaint received 2024-05-06
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. (PR)

Dear XXXX XXXX XXXX, I am writing to file a formal complaint regarding an unauthorized account that has been reported on my credit file. This account, associated with XXXX XXXX XXXX, was opened without my knowledge or consent, and despite repeated attempts to rectify the issue, it remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am deeply concerned about the accuracy and integrity of my credit report. The unauthorized account in question has not only damaged my creditworthiness but has also caused significant distress and inconvenience. 

Despite my diligent efforts, the responses I have received from XXXX XXXXXXXX XXXX  have been limited to mere statements without providing any tangible evidence to support their claim of my authorization for the account. I have not been presented with any signed agreements or documents proving my consent for the opening of this account. Therefore, I am left without any evidence to justify the inclusion of this account on my credit report. 

I assert my rights under the FCRA to dispute inaccurate or unauthorized information on my credit report. I demand that XXXX conduct a thorough investigation into this matter and promptly remove the unauthorized XXXXXXXX XXXX XXXX  account from my credit report. 

Enclosed with this letter are copies of relevant documentation, including correspondence with XXXX XXXXXXXX XXXX  and any supporting evidence, to substantiate my claim. 

I expect a prompt and thorough response to this complaint, along with written confirmation once the unauthorized account has been removed from my credit report. Failure to address this complaint in a timely and satisfactory manner will leave me no choice but to escalate this matter to the appropriate regulatory authorities. 

Thank you for your attention to this urgent matter. I look forward to your prompt resolution and response. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO (PR)

I opened a case about a transaction on Consumer protection Financial Bureau, the bank takes retaliation and closed my bank account. 

I opened a case in cfpb and the bank has retaliated by opening a case with cfpb closing the checking bank account. 

I opened a claim on a transaction of {$5300.00} the bank has not resolved the case has not sent me a letter. I want the bank to send me a letter about how they proceeded with the claim and what documents the merchant sent them. And to what is the determination. 

Case Number : XXXX Account Number with Banco Popular : XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Remove the following account from my credit report due to false and misleading information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting the wrong information such as the balance and account activity. I have included the response letter from the original creditor stating that the balance activity was last updated in XXXX, but you are reporting activity in XXXX. The payment information is also inconsistent between all XXXX credit bureaus. This is a violation of the FCRA. Lastly, this account has been re-aged and is past the statute of limitations in the state of Texas. This debt has been uncollectible since XXXX. This account is to be removed from my credit report within 7 days of receipt of this complaint or I will move forward with my intent to sue. Please be aware that this is not a third party, and I am standing firm in my belief that your company is furnishing incorrect information causing harm to me as a consumer.
Consumer complaint received 2019-06-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BANCO POPULAR DE PUERTO RICO (PR)

I had started a new job, that I never told the bank about because I didn't even have a month working their, and while I was home before going to work one day, ( XX/XX/2019 ) I get a call and text message from my supervisor telling me that agents from the bank are at my job place looking for me, and left a card with the supervisor about my debt.
Consumer complaint received 2024-05-06
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. (AZ)

I REQUEST THAT YOU INVESTIGATE THIS MATTER IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ). I FURTHER REQUEST THAT YOU REMOVE THE INACCURATE COLLECTION LISTING FROM MY CREDIT REPORT WITHIN XXXX DAYS OF. THIS LETTER. PLEASE INFORM ME IN WRITING OF THE RESULTS OF YOUR INVESTIGATION AGAIN, I WILL NOT ACCEPT A GENERIC RESPONSE STATING THE ACCOUNT HAS BEEN VERIFIED. I REQUIRE CONCRETE PROOF THAT THIS ACCOUNT BELONGS TO ME BEFORE IT REMAINS ON MY CREDIT REPORT.
Consumer complaint received 2024-05-06
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. (VA)

I have sent numerous letters regarding this matter. I have requested from this company a letter of validation of debt. This company never provided proof that the debt in question " XXXX XXXX '' is valid. I have never seen a copy of a contract that contains my signed signature attached. This is a complete violation of FDCPA and could result in a fine of {$1000.00} per violation. It is now well over the allotted time to proved proof of debt, now I am requesting to have XXXX XXXX : ACCOUNT # XXXX removed from my credit report immediately as this is damaging my credit report.
Consumer complaint received 2024-05-06
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. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX Attn : Experian dispute department Experian XXXX XXXX XXXX XXXX, TX XXXX : Letter of Authorization Dear Sir/Madam, I, XXXX XXXX , residing at XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX hereby issue this formal authorization to Experian to remove the following inquiries/ creditor from my credit report : Inquiries : Date : XXXX XXXX XXXX XXXXXXXX  I have recently communicated with a representative from Experian who has provided guidance on the necessary procedures for such requests. 

I've enclosed the following : ID Utility XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX KS XXXX Social : XXXX I request that immediate action be taken to remove these inquiries from my credit report to ensure its accuracy and integrity. 

Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (PR)

Request via online credit for a XXXX expense credit card was denied due to unverifiable application information in reference to unsuccessful download of my driver license. I called the creditor on XX/XX/2019, for assist in remedy and the creditor informed me that their policy does not provide an alternative to submit proof of identity regardless of my suggestion to either via mail in or fax necessary documentations to prove identity. The before mentioned is not a fair business practice due to me taking a negative credit inquiry in my credit file when their decision to deny me credit is not in basis of my credit file.
Consumer complaint received 2024-05-06
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. (PA)

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have contacted XXXX numerous times in reference to this XXXX XXXX  bankruptcy that's being reported on my credit report I have advised them the credit report information is incorrect I've also sent certified letters to XXXX about this issue and have supplied them with documentation from their third party that gets the information from they have advised me XXXX I don't have a bankruptcy being reported I want the information removed as soon as possible I don't know why it's taken so much time There is a Bankruptcy being reported and this items need to be removed I have supplied documents to have the item removed
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PR)

I called the Wells Fargo Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec Office ) to resolve all other customer cases. Today, XX/XX/2019 I called to XXXX and asked about information on Wells Fargo credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XX/XX/2019 ) that my balance is {$5.00}. I consider Wells Fargo is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PR)

I called the XXXX XXXX Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec Office ) to resolve all other customer cases. 

Today, XX/XX/2019 I called to XXXX and asked about information on XXXX XXXX credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XX/XX/2019 ) that my balance is {$5.00}. I consider XXXX XXXX is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2024-05-06
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. (CT)

I recently reviewed again my XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

I called the XXXX XXXX Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec OfficXXXX ) to resolve all other customer cases. 

Today, XXXX XXXX, 2019 I called to XXXX and asked about information on XXXX XXXX credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XXXX XXXX, 2019 ) that my balance is {$5.00}. I consider XXXX XXXX is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus.
Consumer complaint received 2024-07-06
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)

I am writing to delete the following information from my file. the items i deleted are listed in the report I am a victim of identity theft I didnt made the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-05-06
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

In XXXX of XXXX my XXXX  XXXX credit card was closed. Since then this company has reported my card closed and paid for the last 9 months. Now all of a sudden after being reported as closed and paid on time prior to that, it has reported that I have missed payments in XXXX and XXXX of XXXX. There is no reason it has not continued to report as closed or stopped reporting.
Consumer complaint received 2024-05-06
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (TX)

IN THIS COMPLAINT U WIIL OUT THAT ALL THREE CREDIT REPORT AGENCY REFUSING TO FIX THIS INFORMATION DATA BEACH OF TO CONSUMER ALL THREE CREDIT REPORT AGENCY ARE RESPONSIBLE FOR THERE ACTIONS FAIL TO PROTECT THESE TWO CONSUMER DATA INFORMATION ALL THREE CREDIT REPORT AGENCIES JUST MERGED BOTH PARTIES INFORMATION TO EACH OTHER CREDIT REPORT AGENCY THE OTHER COMPANY ALSO DATD BRECH MY CREDIT REPORT WITH NO AUTHORITY TO OPEN MY CREDIT REPORT THEY ALL IN DATA BEACH ME AND MY TWIN BROTHER HAVE TRY OVER AND OVER WITH ALL THE CREDIT REPORT AGENCIES THAT THIS IS MY TWIN BROTHER INFORMATION AND ACCOUNT WE BOTH SENT IN ALL DOCUMENTS IDENTITY XXXX, EXPERIAN AND XXXX SHOWING ID NUMBER DRIVE LICENSE SS NUMBER OF BOTH PARTIES WE HAVE BEEN DISPUTING THIS PROBLEM 2-3 MONTHS AND NO ACTION WAS NOT HANDLE AT ALL ALL THREE CREDIT REPORT AGENCIES FORCE THIS ON MY CREDIT REPORT AFTER ALL THIS THEY ARE SAYING THAT THEY THIS IS MY ACCOUNT I ALSO PUT IN SO MANY DISPUTE OVER AND OVER AGAIN I KEEP TELLING ALL THREE CREDIT REPORT AGENCY 'S XXXX XXXX  XXXX THEY ALL IN DATA BEACH OF PERSONAL INFORMATION XXXX XXXX  XXXX  PLACE AUTO MY TWIN BROTHER CALLED XXXX XXXX XXXX PLACE EXPLAING TO THEM ALSO HAD NO BUSINESS TO INFORMING MY TWIN BROTHER ABOUT MY NAME ACCOUNT OR ANY PERSONAL INFORMATION MY TWIN BROTHER WE HAVE THE FIRST XXXX NUMBERS ARE A SAME BUT THE LAST XXXX NUMBERS ARE SO DIFFERENT XXXX ALL THREE CREDIT REPORT AGENCIES SHOULD HAVE DONE A FULL INVESTIGATION AND XXXX XXXX XXXX PLACE DID NOT FOLLOW PROTOCOL SPECIAL DEALING WITH TWO DIFFERENT PEOPLE PERSONAL INFORMATION WAS NOT HANDLED OR PROTECTED BOTH CONSUMER DATA INFORMATION IT IS SO RECKLESS ABOUT HANDLING TWO CONSUMER
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I called the XXXX XXXX Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec Office ) to resolve all other customer cases. 

Today, XX/XX/2019 I called to Transunion and asked about information on XXXX XXXX credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XX/XX/2019 ) that my balance is {$5.00}. I consider XXXX XXXX is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus.
Consumer complaint received 2024-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.