davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Texas XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX XXXX, Equifax XXXX XXXX ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Remove Unauthorized Fraudulent Accounts Listed Below : FCRA Law 1 ) XXXX XXXX ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : charged off XXXX ) XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed. 
XXXX ) XXXX XXXX ( XXXX ), Date opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law 1 ) XXXX / XXXX XXXX ) XXXX  / XXXX XXXX ) TD AUTO FIN / XXXX XXXX ) XXXX XXXX / XXXX XXXX ) XXXX XXXX/ XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX / XXXX For the following Account Listed Update Account Payment Dates for XX/XX/XXXX and XX/XX/XXXX ( 15 U.S. Code 1666b - Timing of payments ) XXXX XXXX  ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

There was a problem with a service I received from a local doctor 's office. I disputed the charge with Bank of America at or around XX/XX/XXXX. My dispute has not been processed, now 5 months later. I am still waiting to be refunded the dispute amount which is {$260.00}. I have called Bank Of America several times over the past several months and spoken to several different people to try to see what is happening. All I get are excuses and explanations for mistakes they have made. The dispute is still not resolved. I'm very frustrated because I feel I've been more than patient with them but they are TAKING TOO LONG to give me the {$260.00} back. Can you please help me?
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NH)

I received notification of a data breech from XXXX XXXX with the suggestion to place a credit freeze with Equifax which I was told I could do free of charge. On XX/XX/2024 I tried to open an account with Equifax online. At the end of the process I received a screen that said my account could not be completed and to call Equifax. I called the number but the automated system would not connect me with a person. I tried several times, choosing different automated options to speak with someone. Finally it sounded like I would be directed to a person but then I was asked to enter my mobile phone number. I DO NOT HAVE a mobile phone. There were no other options, I was redirected back to the automated system - not an operator/person. I have been left with no way to contact anyone at Equifax except to write a letter which will take days and leave me vulnerable to identity fraud in the meantime. 
I am writing to Equifax at XXXX XXXX XXXX XXXX, GA XXXX but meanwhile my social security number is compromised and I can't fix it. This is totally unacceptable.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Current Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, OR XXXX Incorrect Name- XXXX, XXXXXXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX CT, XXXX, WA XXXX
Consumer complaint received 2024-09-27
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (FL)

A customer wrote me a check for what was supposed to be a years salary cleaning and maintaining a property for XXXX The bank cleared the check but then said the check was forgery and the bank didnt honor it well I had already paid a bunch of debt that was piling up already and the money was gone. Now Im overdrawn XXXX $ and I dont know what to do. I suffered a loss myself now at this point and I dont want to be responsible for anything like this.
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union made a fraudulent response to my previous complaint XXXX, and I am attaching evidence to prove it. 

I have described how Navy Federal Credit Union violated my rights to digital accessibility, as a person with a XXXX, when they suspended my ability to make my loan payments online. I attempted to make multiple payments online in XX/XX/2024, prior to my loan account becoming past due. None of them were processed by Navy Federal Credit Union because they suspended my ability to make online payments, as evident by the attached email. While the email is dated XX/XX/2024, the suspension of my ability to make online payments began in XXXX. There is record of me calling the credit union to make my payment over the phone because the representative informed me my online payments weren't being processed due to this suspension. Navy Federal Credit Union lied in their response to my complaint claiming that they did not suspend my ability to make online payments. I want them prosecuted for this fraudulent response, violation of fiduciary responsibility, and XXXX discrimination. Furthermore, it is unlawful for Navy Federal Credit Union to ever suspend my ability to make online payments. I have a right to reasonable accommodation, and digital accessibility, as a person with a XXXX. This requires me to be able to manage my accounts online with my assistive technologies. 

Navy Federal Credit Union 's fraudulent response is below : We reviewed our records and confirmed there was no restriction on our members account during the referenced timeframe which prevented our member from making payments to the loan account via Online Banking or the mobile application. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding our members XXXX XXXX new vehicle loan account. We will not request the removal of valid data from our members credit file. XXXX XXXX does not tolerate discrimination, harassment, or inappropriate conduct by or against employees, members, vendors, contractors, or any other individuals who conduct business with us. Should XXXX XXXX have any questions, he XXXX contact our Collections Department at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (UT)

In XXXX I leased a XXXX XXXXXXXX XXXX. At the time of obtaining the lease I made a " one time payment '' in the amount of XXXX. I later received a bill for a monthly payment. We contacted the dealership. They told me " they showed us paying a one time payment '' and no monthly payment is owed. The next month another bill came along with a letter stating that we were being reported the credit bureaus for non-payment. I requested an investigation, as the dealer had provided the financing company with proof of payment. This month I received no bill... but did receive a letter indicating that the investigation into " me being incorrectly billed '' resulted no status change and we will be reported to the credit bureau agencies. There is no number to call. No email to correspond with. Proof of the " one time payment '' has been supplied by the dealership. Reporting us to the credit bureaus is criminal and outrageous.
Consumer complaint received 2024-09-27
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. (IL)

am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX XXXX XXXX and Experian XXXX to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately!
Consumer complaint received 2024-09-27
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. (GA)

Experian, Subject : Method Of Verification under 15 U.S. Code 1681i ( 7 ) - Procedure in case of disputed accuracy Please provide the Description of reinvestigation procedure within 15 business days from receipt of this letter. Experian continues to verify the accounts without providing the method of verification or copies of documents that verify the account. If the documentation to verify the account is not received within 15 business days, delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681i ( 7 ) - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

PLEASE PROVIDE DOCUMENTATION THAT PROVES THE ACCOUNT IS VERIFIFED AND ACCURATE, IF THE DOCUMENTS ARE NOT PROVDIED PLEASE DELETE THE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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. (MD)

This account was charged off. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history and a violation. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated rights 15 USC 1681 ( e ) b. I am demanding a deletion of the following accounts as they are affecting my credit profile tremendously : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-27
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. (ME)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

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 2024-09-27
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-27
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. (TX)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (WA)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately.
Consumer complaint received 2024-09-27
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.