davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Good Morning since XX/XX/2018 I have sent disputes every 35 days to fix inaccurate info on my credit files. I am writting regarding an Complaint that I have with XXXX and XXXX. XXXX XXXX is the account name, they say the balance is {$1300.00} I have disputed with both bureaus asking them to please delete as this is not my debt. But it comes back as verfied. I question the validity of this and I suspect they are using XXXX automated verification along with 3rd party means of verification when they should be doing their due dilligence. I suspect they are using XXXX because it is the same generic response everytime either verified or meets FCRA. And they have nothing linking me to the debts. Also account summaries sent is nowhere near proper verification. I have requested account validation and I have had zero reponse. XXXX has stopped responding and said they will no longer investigate. This is a direct violation of my rights and by law they have to investigate but since it has been longer than 30 days that is yet another violation, and I request that They delete. They were unable to provide any signed documentation that tied me to the debt or any " instrument of indebtedness '' and since none of this was provided and per Fair Credit Reporting act I would like my rights protected and for XXXX to delete this account please.
Consumer complaint received 2018-07-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Three months after purchase of vehicle I called of numerous complaints of issues with the car and overpayment as well I was told that their would be an adjustment and for months it never happened. Months later I am having issues with this car a second time, and I complain to Toyota that im not satisfied with the issuesI keep having as well as them making an adjustment as the promised. Fast forward months later as I continue to struggle with myself about making payments on what I would consider a lemon I decided to give Toyota one last call to try to make some kind of deal regarding the issues as well as the overpayment at whoch time they refused to lower the price, but would spread my payments longer which made no sense. I then told them I was doing a voluntary repo because not only did I overpay, but im continuing to drive what seemed to me was a lemon
Consumer complaint received 2018-07-04
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. (CA)

I am a victim of ID theft/fraud and USPS fraudulent change of address. I contacted all 3 credit reporting agencies and put freezes on my credit files. I live in California and disputed an incorrect former address ( located in Georgia ) on my Equifax credit file. I sent Equifax copies of a Police report, FTC ID theft report, my current address, copy of utility bill, and copy of my XXXX. I sent a cover letter expressing that the address in Georgia had never been my address and to remove it from my credit file as a former address. I explained that the address in Georgia was used to fraudulently open up a credit card in XX/XX/2017 in my name. I discovered in XX/XX/2017 that someone opened up a XXXX credit card in my name only when I started to receive collection phone calls from XXXX. I contacted XXXX fraud department and they determined that it was fraud and closed down the account XX/XX/2017. Equifax investigated the dispute and concluded that the Georgia address since XX/XX/2017 had been previously verified by documents from me and determined that the identification will not be deleted from my file. This is so frustrating! I believe that Equifax is responsible for breaching my credit information in the first place and now will not correct my credit file? Nuts!! Please let me know what I am able to do to correct the problem. Thank you!
Consumer complaint received 2018-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

Ad Astra Recover Services has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent two certified letters dated XX/XX/2018 and XX/XX/2018 requesting verification that the alleged debt is mine, including any documents bearing my signature agreeing to this alleged debt. Ad Astra Recovery Services. has responded to the letter from XX/XX/2018 with a printout of an itemized document ; however, they have not responded at all to my second letter request for signature validation of alleged debt dated XX/XX/2018 which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature or a second response ; however, they are still reporting inaccurate information and have not reported the account as disputed on my credit reports. I am very serious about my credit and their inaccurate reporting has caused damage to my credit, my ability to get credit and my reputation. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt that this account be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.
Consumer complaint received 2018-07-04
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. (LA)

On XX/XX/2018 I notified Transunion of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the public record information in the report. On XX/XX/2018 Transunion submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed and that the name and contact information of the furnisher of information was on the report. The report listed the two public records and the bankruptcy court as the furnisher of information. The bankruptcy court for the XXXX XXXX of Louisiana has informed in writing that the court neither verifies, confirms or reports information to credit reporting bureaus. Moreover, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and also prevented the verification of the public record which Transunion claims to have verified. Transunion has failed to verify the information as accurate and therefore the records should be deleted. 
After receiving the verification from Transunion, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Transunion 's assertion that the public records were verified is dishonest.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

On XX/XX/XXXX I received a call from IQ Data Management International ( aka XXXX XXXX ) in reference to {$250.00} that was owed to XXXX at XXXX XXXX for utility bills. XXXX  never contacted me directly or mailed something to my current/last name address. I spoke to once representative ( phone number XXXX, ext XXXX ) and asked for an outline of the charges that were owed, as I was confused about the total, as my utilities were typically {$150.00} flat rate per month. The individual transferred me to the Operations Manager,  XXXX XXXX, who could give me more details about the account. I had to ask for him to give me a breakdown of the charges, at which point he became very impatient. I stated that I would like to verify the amount with my old apartment building, at which point he became agitated, was extremely rude, cut me off on multiple occasions and basically told me that he didn't believe that I was going to send in a payment, would annotate to my account that I refused to pay and that it would hit my credit score. I told him to not speak to me in such a way and that I no longer felt comfortable speaking to him or giving him my personal information, and asked to be transferred back to his employee. He transferred me back and the individual assisted me with scheduling a future payment on Friday, XX/XX/XXXX. this individual confirmed that I would be billed and a letter would be sent to my mailing address. When I asked who I could speak to, the individual gave me the main line number, as there were no complaints or other supervisors I could speak to. When transferred, I was sent to voicemail. I do not appreciate the aggressive tactics done by this company or XXXX, as I was simply inquiring as to why I was being charged, when the charges had been previously due, and what my payments options would be.
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

There was an offer from American Express for adding authorized users on their XXXX XXXX XXXX XXXX for XXXX points after {$500.00} spending. I added my family member and the {$500.00} spending was completed in XX/XX/XXXX. 

XX/XX/XXXX : First contacted Amex regarding the bonus points. 
XX/XX/XXXX : Contacted again and was told to wait 8-12 weeks ( the spending was completed in XXXX ) XX/XX/XXXX : Amex made a note on my account for the delay XX/XX/XXXX : Amex opens investigation which could take 6-8 weeks XX/XX/XXXX : No update on the investigation. Told to wait XX/XX/XXXX : Claims Amex has " technical issue due to which the points are not posted '' and was told to wait XX/XX/XXXX : Was told they are working on it XX/XX/XXXX : Still working, they left a note on the account XX/XX/XXXX : Was told to wait ; claims they are still working on it. 

I have the statements for the spending and the promotional statement. Not sure why they are refusing to give out the reward points they promised.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (NC)

On XX/XX/XXXX I spoke with XXXX of XXXX XXXX through their online chat session as this was the only available method of communication made available for cancellation of their service. I received a ticket # of XXXX on. I provided them with my phone # and asked for a return phone call which I never received. I followed up the next day XX/XX/XXXX and communicated via email with XXXX XXXX and requested again to confirm cancellation of this service. Per my contract, I had exceeded the terms and the equipment would then be mine. He forwarded me an email with a link that resulted in a " 404 error '' otherwise known as site does not exist. I recently received a letter from Hillcrest Davidson and associates on XX/XX/XXXX yet was post-dated for XX/XX/XXXX!!! and given 30 days to respond. This is completely inappropriate and fraudulent.
Consumer complaint received 2024-10-05
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. (MS)

As per XXXX XXXX Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is XXXX. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title XXXX section XXXX. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX XXXX XXXX XXXX XXXX Federal Trade CommissionXXXX  XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-05
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

Dear CFPB, I am submitting this dispute to formally report an issue of incorrect information being reported on my credit file by Experian. Specifically, the credit report includes an incorrect address, XXXX XXXX XXXX XXXX XXXX CO XXXX, which I have never resided at or used in any capacity.

This erroneous reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 ( Accuracy of Information ), which mandates that consumer reporting agencies ( CRAs ) must maintain accurate and complete information. Under 1681i, CRAs are obligated to conduct a reasonable investigation of disputed information and correct or delete any inaccuracies found within 30 days.

Moreover, I believe this may constitute a failure to meet the requirements of 15 U.S. Code 1681e ( Compliance Procedures ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

I request that the CFPB investigate this matter and ensure Experian corrects this violation promptly by removing the incorrect address from my credit file. I have included the following supporting documents : A copy of my drivers license for identification.

A recent utility bill to validate my current address.

A copy of my Experian report with the incorrect address highlighted.

Please confirm receipt of this dispute and notify me of the outcome once the investigation has been completed.

Thank you for your attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-05
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)

Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''
Consumer complaint received 2024-10-05
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. (IL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2024 I received a copy of my credit report and found some accounts that I don't recognize being reported to my credit file which is making my credit report inaccurate. I have contacted these companies and asked their procedures if someone is going through a data breach and experiencing Identity theft. I explained I have been going through ID theft for several years and unauthorized accounts are being reported to my credit file every other year. I was told I needed an ID theft affidavit which I will attach here. XXXX caused the latest data breach. I also filed complaints with XXXX  and the Attorney general for consumer protection. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires not authorized : XXXX XXXX  Miscellaneous, XXXX  XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXXXXXX XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 

XXXXXXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX XXXX  before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-05
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. (AZ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.