davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

I had bought a brand new Toyota XXXX not too much later I think like three or four months later somebody hit me and my car was totaled out I tried to use the gap insurance but they said it didnt cover something Im not even sure what but I tried to get Toyota to take care of it and the problem was like 1200 or {$1800.00} difference that I still had to pay but I tried to get the money back from all the services or product state sold me that I wasnt even aware of the money back from all the services I didnt use to cover the rest of the loan payment I guess and Toyota never responded to me they just kept putting me off putting me off putting me off its XXXX Toyota XXXX XXXX XXXX XXXX XXXX in XXXX Wisconsin I tried my hardest to get them to rectify the situation because it was damaging my credit and to this day I call them literally every 2 to 3 months to find out if they are going to fix it and they still have not gotten back to me please help I need my credit fixed
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: V and H Portfolio (TX)

I received a letter from Vance and Huffman saying I owe a debt. I disputed the account in question and did not hear back from them. I found out today that there is a collection on my credit. Called them and a person answered stating they are with a law office and her name and how she may direct the call. Come to find out that they are not a law office but in fact a third-party debt collector. Spoke to XXXX XXXX and he gave me the login to look at the documents. In the document list is a Credit Disclosure that is not even for me. This concerns me because I have no relation to this person and makes me worried about what information of mine has been leaked to others from this company. I brought this to the attention of XXXX XXXX and he boastfully denied that this ever happens, and they do not make mistakes. I have the screen shots of it showing on the portal. They are not willing to remove the account from my XXXX credit report.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION (FL)

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided.

Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking c

ertifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes
Consumer complaint received 2022-04-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXXXXXX XXXX {$36.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2017-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (UT)

I have been battling with Progressive Management Systems, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX since XXXX XXXX over a bill of {$2300.00} assigned to them by XXXX XXXX XXXX Hospital. 

My insurance company, XXXX, paid this bill at 100 % and then we started getting bills from PMS ( aka Progressive Management Systems ) for this balance for an Xray that was over {$7800.00}. I had a XXXX XXXX XXXX - how is this even possible. 

I have asked them to sent me proof and documentation that this is my account and they keep sending me their Printouts from PMS. 
XXXX/XXXX/XXXX - I sent them a letter requesting proof that this is my account and received nothing. 

XXXX/XXXX/XXXX - I called and recorded the call. I was told this is my spouses debt - not mine. 

XXXX I sent them another request in XXXX and they sent me their printout and a list of medical services supposed performed by the hospital ( Why is a collection agency seeing my medical history? ) My attorney wrote them a letter a month ago with no response. 

My wife was in XXXX XXXX last month and picked up ALL the copies of my medical records, there is no HIPPA documentation in there. 

Overbilling, trying to collect from someone else and now my medical history. 

I want this removed from my credit reports immediately! 

Sincerely, XXXX XXXX
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WV)

My credit report shows VA XXXX XXXX from an original date of 2006. My wife did n't live in VA and I do n't owe this money to the state, I have mailed validation letters to the address on the credit report for VA XXXX and the post office returned it stating not able to deliver address not found. So how can they verify this and leave it on my credit report?
Consumer complaint received 2022-02-23
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. (TX)

In Accordance with the fair credit reporting act XXXX account # XXXX ( XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

This account with TIDEWATER MOTOR CREDIT with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX Bureau and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX Original creditor : XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumerreporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

I used the Western Union remittance service to transfer the money on the XXXX of XXXX as per the date on the receipt provided to me after the transaction the money was supposed to be credited to my wife 's account by the XXXX XXXX. 
However, it did not happen so I had a chat with the executive on the Western Union chat service system and he assured me the money would be deposited in the receiver 's account on the scheduled date.

So I had a chat with the executive on the chat service again and the executive informed me that the XXXX XXXX is the date as per the sender 's country timezone Hence I waited however I did not see the credit in my wife 's account so on the XXXX XXXX morning I had a chat with the agent again and she told me they had escalated the case to the concern department and I would be receiving email from concern department ASAP But I didn't receive any email so I spoke to the agent again in the afternoon on the XXXX XXXX and guess what I got the same answer it is about XXXX XXXX  on XXXX XXXX and I have still not received any resolution from Western Union It has been 4 days and I am still waiting for the money Interaction number XXXX
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year>, I went to the Well Fargo bank ATM located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and made a deposit for {$900.00} and left the card at the ATM. When this happens, the cashier waits a few seconds and if they do not remove the card, the same cashier inserts it, in fact, it has happened to me other times. Within an hour I realized that I didn't have the card and called the bank immediately to cancel the card and no transactions appeared after forgetting it at the ATM. On XX/XX/XXXX, several transactions made with the card for XXXX, XXXX, XXXX appeared in the account. Call the bank and the bank refunded the money for all the transactions. On XX/XX/year>, I saw in the account two more transactions with the same card canceled for XXXX and XXXX made at the XXXX XXXX XXXX, immediately call the bank and make the claim. 60 days have passed and the bank has not wanted to give me the temporary credit and now they are telling me that they will not refund me anything because the XXXX XXXX XXXX  denied the claim. I mean three days after canceling the card they carry out these transactions and I ask how they authorized them if the card had been canceled three days ago.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX  XXXX XXXX {$36.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-02-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ive written numerous letter to TRANS UNION since XXXX XXXX XXXX exceeding my rights as a consumer. I am the original creditor and no one can report anything to my consumers credit report without my written consent. 
I know that TRANS UNION received my letters because I sent it with a return receipt and they still have yet to grant me my request. How can TRANS UNION keep breaking the U.S.Code? Please send me a copy of my written consent.

Under 15 USC 1681b ( 2 ) - Permissible Purpose of consumer reports in accordance ( 2 ) with the written instructions of the consumer to whom it relates!!

TRANS UNION do not have permissible purpose Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

Its been well over 30 days and my demand for these items to be removed have not removed at all.

TRANS UNION took information from someone else other than myself and reported it to my consumers credit report. TRANS UNION and the companies liable are committing identity theft/fraud. Thats aggravated identity theft!

( 18 USC 1028 ).

Under 15 USC 1681a ( 4 ) Accurancy and fairness of Credit Reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy!!!!

As a consumer, I have the right to fairness of credit reporting! No One can dictate what goes on my report other than myself! 

These are just a couple laws that TRANS UNION has broken. 

TRANS UNION knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; I DO NOT HAVE TO REACH OUT TO A THIRD PARTY COMPANY IN ORDER FIR TRANS UNION TO REMOVE THESE INQUIRIES. TRANS UNION HAD NO PROBLEM WITH REPORTING NEGATIVE INQUIRIES TO MY REPORT. I ALSO DO NOT HAVE TO MAKE A POLICE REPORT. TRANS UNION AND OTHER PARTIES ARE THE ONES COMMITTING FRAUD.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (IL)

In accordance with Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XX/XX/2012, XXXX XXXX account XXXX, XXXX BANK account XXXX, XXXXXXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Credit has been contacting me concerning a credit account that I do not have with them. They have made XXXX calls and filed suit in small claims court in XXXX without properly notifying me of a suit.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

I filed a previous complaint on company Sychrony Bank ( Paypal ) credit card on XXXX complaint ID XXXX XXXX. Company was not truthful about their actions taken. They claimed in their response that they attempted to call and email me to speak to me about this matter. I have no missed calls nor have I received any email from them pertaining to this issue. The company has closed this claim under false pretenses.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to TransUnion Credit Bureau thedate of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELYFROM MY CREDIT REPORT : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX