davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (GA)

I have disputed a bankruptcy that was inaccurately reporting on my credit report with XXXX XXXX. I received the attached letter from XXXX XXXX stating that they have removed the bankruptcy from my credit file on XX/XX/2023. However, the bankruptcy is still reporting with XXXX XXXX and all three credit bureaus : XXXX, Equifax, XXXX. 

I have reaching out to all agencies repeatedly after XXXX XXXX has notified me that it has been removed. It is now 30 days from the date of the letter from XXXX XXXX and the bankruptcy still has not been removed from my credit report. 

I am asking CFPB to please assist with having these agencies abide by the law in its entirety and delete this disputed item from my credit file. I am demanding that All agencies, XXXX XXXX, XXXX, Equifax, XXXX delete this bankruptcy immediately.
Consumer complaint received 2016-03-31
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Capital Accounts, LLC (NY)

I had work done by my XXXX that was not covered by insurance. After 120 days, they turned my account over to a collection agency. On three separate occasions, the collection agency has called me at work, each time being told that my employer does not allow personal calls. On the third call, the operator became belligerent with me when I refused to give my checking account/debit card information.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (TX)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX  XXXX XXXX Balance : {$930.00} XXXX XXXX  XXXX Balance : {$240000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. Please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct or fix the inaccurate items information as quickly as possible.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (FL)

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX  Date of inquiry : XXXX  Delete this account. 
2. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 XXXX XXXX DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
10. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following status is incorrect and incomplete XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Firstly, I was part of a class action lawsuit against Toyota Motor Credit handled by the CFPB. I was co-buyer with my daughter of a used car from XXXX XXXX XXXX in XXXX, NJ. I did not know that I was the primary buyer at the time because I read and signed all documents on a small electronic screen. They told my daughter that she needed a co-signer and that was what I thought. I was aware that should she fail to pay her note that I would be responsible. The problem with that is she was the only one receiving the billing documents. At some point I did receive the calls that she was behind and I did make effort to catch her up. Her car ended up being repossessed. Sometime after, I received a letter that if I wanted the car I would need to have the total balance for the car plus added fees necessary for repo. There was no way I could come up with the amount asked for in that amount of time. 
Some time after, I received notice from the Superior Court of XXXX County to appear in court. I thought it was a scam at first, honestly because I did not receive a certified letter. 
Also, had I gone into arbitration, I would have given up my right to be part of the class action law suit according to my contract with them that is stated on page five of their contract ( included on last page of attachments ). That contract also states should I be part of a class action lawsuit against them It would void that contract. 
XXXX XXXX XXXX used unfair loan practices and Toyota Motor Credit is asking me to pay them. This repo is reflected on all three major credit reports as a collection.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE AN INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

During the term where my loans have been counted as late is invalid. I was attending college through most of XXXX and through the beginning of the year of XXXX. I have documentation showing that I was in attendance through the XXXX quarter of XXXX which falls into XXXX of XXXX with XXXX XXXX. My loans by default should have been in deferment/forbearance for six consecutive months after my last date of attendance. I also extended my deferment for longer and refinanced the loans to consolidate them into one at a later date in XXXX prior to attempting to purchase a home for the first time. I continued to attend school throughout the years and was still in attendance until XXXX of XXXX. These loans should never have been considered late per federal student loan policy of deferments and school attendance.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-02-25
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: DISCOVER BANK (MD)

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (CA)

I requested closing of all three of my accounts with PNC ( XXXX, XXXX, and XXXX  ) ( Acct XXXX  s XXXX, XXXX, XXXX ) accounts on XXXX I called in to their customer service department and they refused to close the account. I asked both an operator and a supervisor ( XXXX XXXX out of XXXX, PA call center ).
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Good morning, To whom it may concern, during the holidays we can all agree that money plays a big role in our lives. Gifts are not the only expense during the late months of XXXX in fact rent is due on the first a week right after. Capital One makes it impossible to enjoy and be stress free during these months which should be joyful and full of gratitude by not providing the customers with our deposits from work until the following day that the business is open. So for instance XXXX XXXX falls on Saturday this year followed by XXXX XXXX on Sunday. Normally, Capital one deposits checks that are officially made available to customers by Saturday early morning around XXXX am unfortunately if its a holiday then the money will not be available till Tuesday the earliest day possible. Plenty other banks understand about human decency and are compassionate enough to deposit and make checks available a day in advance due to holidays obstructing regular payments on specific days. Im just not understanding why must I panic and put my life on hold because a company as such is just so selfish and careless enough to not look out for its customers by finding a solution to fix this problem. I have spent up to 4 days crying during holidays every year in which I was unable to even buy lunch if I wanted to because of not having money in my account. I am XXXX XXXX XXXX and its a struggle for me and Im sure plenty of others from all different ages to financially make ends meet and even more horrific during times I shouldnt be. A change definitely needs to be made.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX/XXXX  XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$88.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$460.00} XXXX XXXXXXXX XXXX  : {$460.00} XXXX XXXX XXXX  : {$860.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$88.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$86.00} XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX XXXX  : {$88.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/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 2024-04-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC (MS)

Purchased car from American car center never received my car registration now west Westlake portfolio management has the deed and found out they want let me pay my car note or give me registration for the XXXX XXXX I want to sue also I have been getting threatened call about repossession its really sad I work hard every day why threaten someone
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Incomm Holdings Inc. (CA)

My company supervisor issued me a Vanilla Visa Virtual Gift Card worth {$200.00} on XX/XX/XXXX as a thank you for long hours worked. 

I saved the email notice of the gift card for later use. When I went to make sure the funds were ready to use today by following the link in the gift card notice email the Vanilla Visa Virtual Gift Card system indicated {$190.00} of the {$200.00} balance had been spent. 

The 7 fraudulent transactions that resulted in the use of {$190.00} all occurred within 8 hours of each other and follow a pattern of a fraudulent user who did not know the level of funds available on the card and therefore was making a series of small purchases until the card balance was effectively spent. 

The charges started at XXXX at XXXX XXXX XXXX XX/XX/XXXX and then moved to XXXX at XXXX and ended at XXXX at XXXX on XX/XX/XXXX. 

When I contacted the company, they told me that gift cards are like cash so if someone used it fraudulently there is nothing that can be done to get the funds back. This seems completely ridiculous and unfair as this was not like a physical gift card that I lost and someone found and used, but rather a virtual gift card that should have had built in protections to stop a fraudulent party from using it.

This card product needs regulation to : 1 ) Require that a name be provided at the time of purchase for whoever the user of the card will be and that an ID be provided at time of purchase with the card so that fraudulent parties can't steal funds so easily.

Or 2 ) At least require a zip code be indicated at time of purchase so that purchases can only be made in that zip code to reduce the likelihood of fraud by limiting activity in the card to a confined area in which the intended user lives.

AND 3 ) Require that the company provide notice of transaction to the holder of the Visa gift card so they are aware right away when fraud occurs rather than only find out when they go to use the card. 

Fraud should not be so rampant with these gift cards, please protect consumers and implement these protective regulations!
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. Remove ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE LATE PAYMENT ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]