davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

My new mortgage servicer, XXXX XXXX has been sending letters saying they needed proof of my homeowners coverage. I provided this information to them on XX/XX/XXXX and XXXX following a letter they sent each time. My loan originator XXXX XXXX  also confirmed they sent them a copy of my homeowners insurance policy. 

I confirmed with XXXX insurance that they are listed as the mortgagee - XXXX XXXX was actually the ones who changed this on my policy. XXXX which is the company they want to be listed on the policy is there and present. I can't reach anyone on the phone to resolve this. 

On XXXX I received an e-mail from XXXX XXXX that they had purchased a second Hazard policy on my behalf through XXXX XXXX in an amount of {$3500.00} that I am now liable for apparently. I again sent them a copy of the policy that names them as the mortgagee that they already requested from XXXX directly on XX/XX/XXXX. This seems like some kind of a scam for them to purchase insurance on their own and stick the homeowner with the policy ( which is almost double of what I already paid out of pocket for with XXXX ).
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm serious with this complaint and is obviously not sent in error. There are inaccurate information being reported in my credit report which caused me extreme frustration and inconvenience that impacted my ability in having new credit being approved.
Consumer complaint received 2024-08-23
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. (FL)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$25000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$5800.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00}
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

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.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Subject : Request for Removal of Outdated Names and Associated Information linked to those name Dear Experian Customer Service, I am writing to request the immediate removal of all outdated names from my credit report. My current name, as it appears on my license and official documents, should be the only name listed on my report. I have previously sent certified mail with my updated information, yet my credit report has not been updated as requested. 

Please remove all other names linked to outdated information, bad debt, or accounts opened under those names. It is essential that my credit report accurately reflects my current name and current address. 

Experian currently has XXXX accounts listed on my credit report, but I only have XXXX active accounts. Many of the outdated creditors, closed accounts, negative reporting, and old addresses are linked to previous names that are no longer relevant. These inaccuracies are unfairly impacting my credit report, and I request that all outdated information be removed, leaving only my current name and active accounts. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation that these changes have been made. 

Per your representative, because I was requesting to have multiple issues with Experian resolved ( update name & address, remove outdated information and a negative account reporting ) they suggested that I create multiple dispute tickets. I have attached a screenshot for your viewing.
Consumer complaint received 2024-09-26
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. (NV)

Hey hope all is well, I just viewed my recent credit report from XX/XX/XXXX and I discovered some account that I do not recognize and also I did not authorize any information to be furnished, and this account is erroneous and has no permissible purpose. I have not done business with any of these companies. This account has violated my federally protected rights, delete this account due to violation of Title 15 USC 1681b. ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX title 15 USC 1681 : As the consumer I have the right to privacy and I did not give ANY bureau written permission to furnish these accounts. Also information furnished needs to have " Maximum possible accuracy '' XXXX v XXXX XXXX. 

FCRA SECTION 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Pursuant to USC Title 1692k I will pursue litigation for these violations that is causing defamation of character and financial injuries.
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

ZALES- account not mine, I have waited 7 years for them to DELETE this account from my FILE .. please see proof attached, the burden is on them now to delete, it says on my file until XX/XX/year> PLEASE DELETE
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : Follow-up on FDCPA Debt Validation Request Account Number : XXXX from XXXXXXXX XXXX Dear Portfolio Recovery Associates , LLC Representative : Thank you for your response to my debt validation request. However, I believe that the information provided to date does not fully satisfy my request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 
Comments on the information provided : XXXX. Evidence of Debt : You indicate that XXXX purchased the debt from XXXX Bank. However, I have not been provided with any original documentation to support this claim, such as a copy of the contract signed by me or any document evidencing my consent to the opening and management of this account. I require to see the original contract or credit application with my signature.

2. Debt Details : You have not included a detailed breakdown of the amount claimed in your response. I need a statement showing how interest, fees, additional charges, and payments applied to the balance were calculated from the opening date to the closing date. 
XXXX. Debt Transfer : If XXXX acquired the debt from XXXX XXXX, I request that you include documentation showing the complete chain of custody, i.e. all transfers of the account from the original creditor to XXXX. Without such information, they can not prove their legal right to collect the debt. 
XXXX. Authorization to Collect : You have not provided a copy of the agreement or contract showing that XXXX has the legal authority to act on behalf of the original creditor or the current owner of the debt. Additionally, I request that you attach a copy of your valid debt collection license to operate in my state.

5. Statute of Limitations Determination : The letter does not specify whether the account is within the statute of limitations. Please indicate the exact date of the last activity and the basis on which XXXX determined that this debt is still enforceable under applicable laws. 
Since my initial validation request included these specific items, I reiterate my request to be provided with the requested documentation, pursuant to the FDCPA. Without proper validation, any collection attempts or reporting to the credit bureaus could be considered a violation of the law.

Request : 1. Immediate suspension of any collection attempts until you provide me with the requested documentation.

2. Rectification of my credit reports, if you can not prove the validity of the debt. 
XXXX. Written confirmation that all collection activity has been suspended until you receive full validation of the debt. 
Thank you in advance for your attention to this matter. I expect to receive the requested documents within 30 days of receipt of this letter. If you are unable to provide the documentation, I request that all records of the debt be removed from my credit report permanently.
Consumer complaint received 2024-09-26
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. (CA)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debXXXX XXXXwhich falls under XXXX  as defined by the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days 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 2024-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

In XXXX I was involved in a car accident, resulting in a total loss of my newly purchased Toyota XXXX. According to the total loss settlement, my car insurance sent a check to pay off the loan to the lienholder, Toyota Financial Services, in the amount of {$34000.00}. The check was delivered on XX/XX/year> and scanned into the Toyota Financial Services system on XX/XX/year>. As of today, XXXXXX/XX/year>, the loan is still active and the check from my insurance has not been processed into my loan account. I have called Toyota Financial Services customer center several times since XX/XX/year> for updates on when the check will be processed. The dates I called Toyota Financial Services customer service team are listed below : XXXXXXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXXXX/XX/year> XXXX ( 3 times ) Every time I called, I was told the same scripted, routine message from each representative, that " Toyota Financials are experiencing delays at this time. '' When asked to speak to a supervisor or person in charge I was told " A supervisor can not provide you with any other additional information than what I am telling you today. '' They then proceeded to tell me that they put an " alert '' on my account so someone can resolve my issue in a faster manner ( normally within 2-3 business days ), and that I should call back. Every time I called back, I was given the same answers with no additional information. On XXXXXX/XX/year> I involved my attorney, and they gave her the same response as well, resulting in " call us back in 2-3 days. We normally have checks processed within 35 days. '' This last information was given by a representative by the name of XXXX. It is now XXXX, 60 days since the check was processed, and my loan has not been paid off with no additional information regarding my account. I was advised by the Toyota customer service team to stop my monthly payments, and that it would not be counted against my credit score since my car is deemed " Total Loss '', but I recently received an email stating that I missed a payment, and I am afraid that this is going to affect my credit score. I am unable to purchase another car until this loan is paid off, and my loan is still active and accruing interest. I took the advice of the customer service representative and did not make a payment in XXXX. On XX/XX/XXXX, I received an email from Toyota Financial Services alerting me that I missed a payment even though I was instructed not to pay, and I also received a letter that was dated on XX/XX/XXXX instructing me not to make payments. I am not getting any further help from their customer service team, which has resulted in me having to take further action and contacting the CFPB for help.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

15u.s.c1681 section 602A and section 604A 15U.S.C section 1681c and 15 U.S.C 1681 section s-2 Please remove all inquiries of my credit report
Consumer complaint received 2024-10-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (FL)

I am a victim of identity theft ( PURSANT TO FCRA XXXX XXXX ( XXXX XXXX XXXX ). consumer company XXXX XXXX XXXX ) Refused to move negative reporting items on my consumer report I have disputed these accounts on this XX/XX/year> with ( XXXX XXXX ) And they refuse to remove these accounts. I have listed ( XXXX XXXX XXXX XXXX, {$3600.00} ) ( Exeter finance LLC balance {$25000.00} ) ( XXXX XXXX XXXX XXXX, {$25000.00} ) ( XXXX XXXX XXXX balance {$850.00} ) ( XXXX XXXX XXXX balance {$4800.00} ) XXXX XXXX XXXX XXXX Has removed all of these accounts from my consumer credit report as well as XXXX. these accounts has resulted in several data, breaches, fraudulent inquiries and third-party fraudulent collections, appearing on my consumer report. These items are reporting charge off every month every time making my account look more newer than it appears re-engaging an account is illegal. Not indicating when if the account has been sold, Misrepresentation Of the account status to another third-party company is ( double XXXX ) please remove all fraudulent accounts immediately from my consume These reports needs to be removed immediately
Consumer complaint received 2024-08-23
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. (IL)

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 XXXXXXXX PLEASE REMOVE THESE ACCOUNTS PER 15 USC 1681b.
Consumer complaint received 2024-08-22
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. (NC)

Inaccurate reporting, the account is in litigation. Under the doctrine of Estoppel by silence, ENGELHARDT v. GRAVENS ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Also, see attachments.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland has purchased an old debt from XXXX {$100.00} dollar debt approximately XXXX to XXXX years ago. They are still putting it on my credit report to this very day even after paying the debt
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (CA)

I am contacting you in reference to my XXXX XXXX ACCOUNT account. I have implemented significant changes and gained valuable insights. Presently, I am responsible for tending to my ailing mother and looking after my XXXX children. Despite these obligations, I remain dedicated to my military service and enhancing my financial standing. I am writing to discuss discrepancies in my credit reports from XXXX, XXXX, and Equifax. " PAYMENT HISTORY BEING INCONSISTENT '' The presence of a collections account on my credit report is hindering my ability to purchase a home, secure essential loans like refinancing, cover my mother 's medical expenses, and acquire a vehicle due to my current non-operational car. Furthermore, this situation has caused significant challenges for me, particularly as a service member with a security clearance that necessitates " financial stability. '' Despite having settled the account in full, it continues to negatively impact my credit. I respectfully request that you consider removing this account from my credit reports ( XXXX, Equifax, and XXXX ) to assist me in achieving financial stability. I am deeply disappointed with the unhelpful response from the representative in the credit bureau reporting oversight department. Despite providing supporting documentation and requesting a re-investigation, we were met with the same dismissive response. As a service member, we expected better treatment and a more thorough review of our case. We hope for a prompt resolution to this matter and look forward to your urgent attention. Thank you for your assistance. If you have any questions or concerns, please do not hesitate to call.