davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Following 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.

15 U.S.C 1681 section 602A. 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 an 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 or 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 ) ( a ) 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.

Delete the accounts below : - Creditor Name : XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiryXXXX 
- Creditor Name : XXXX XXXX XXXX . Date of inquiry XXXX 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX . Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry XX/XX/XXXX.
Consumer complaint received 2024-07-08
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I co-signed for an auto loan through Toyota Financial Services. On XX/XX/year>, I received a notice in the mail that I had until XX/XX/year> to cure the default on the account, as the primary borrower was late in making the payment. Prior to receiving this letter, I had received no other notices that the account was past due. No phone calls, no voicemails, no emails, no mailings. Upon receipt of this notice, I immediately scheduled the payment amount that would have cured the default status. The payment was posted on XX/XX/year>, however, Toyota Financial still reported to the credit bureaus that the account was past due. Subsequently, I initiated disputes with the credit bureaus, as well as directly with Toyota Financial Services. In my correspondence with Toyota Financial, I sent them a copy of notice to cure default, details on the payment that was made to cure the default, along with an explanation that there was a lack of adequate notification to me to resolve the default, despite them having all of my contact information, including email address and phone number. I requested that they remove the late payment from my credit report, however, they responded that I did not provide sufficient information.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Recovery Services, Inc. (VA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Burke Moore Law Group, LLP (CA)

Burkemore law group LLP. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX phone number XXXX Has bought my debt from an equity line at XXXX  XXXX XXXX that was charged off Charge Of XXXX  More is not getting a hold of me even after months of an attempts to try to negotiate this debt. Ive made negotiation offers XXXX  More is not getting a hold of me even after months of attempts to try to negotiate this debt I made negotiation offers. I do not believe the debt is valid. I only spent {$3000.00} on this equity line account and with interest. It says I owe XXXX I would like to invalidate this debt, but they wont send me from XXXX  XXXX XXXX any of the equity line contracts. Any of the charges their file any I would like to settle this debt. I need help negotiating with them and get in their response and giving me all the proof I need to invalidate this. Debt
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AR)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION XXXX XXXX XXXX XXXX. 
I recently checked my credit report and found several fraudulent inquiries that I was not aware of. These include XXXX  XXXX on XX/XX/year>, XXXX  XXXX XXXX  XXXX  on XX/XX/year>, and XXXX  XXXX again on XX/XX/year>. XXXX XXXX also appeared on XX/XX/year>. The contact numbers for these inquiries are as follows : XXXX XXXX ( XXXX ), XXXX  XXXX from XXXX ( XXXX ), and XXXX XXXX ( XXXX ). These need to be removed immediately my name was in a data breach.
Consumer complaint received 2024-07-08
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. (PA)

My name is XXXX XXXX and I have included several documents for your review displaying the XXXX XXXX accounts being furnished on my account from the following credit reporting agencies. XXXX, XXXX and Experian. 
This is not a third party filing this complaint.
Consumer complaint received 2024-09-03
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. (TN)

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 XXXX XXXX, 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 2 out of 3 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 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MT)

On XX/XX/2020 I was divorced and in divorce decree my ex was awarded the XXXX XXXXXXXX XXXX and my name was to be removed. Toyota Financial was given a copy of divorce decree and asked to remove me as the secondary from truck. Toyota financial has refused to do so. Toyota financial calls at least every other month since XXXX of XXXX  asking for payment. I have told them that he is responsible for the vehicle and they have the paper work. Since they have refused to remove me from vehicle and continue to harass me for payment, due to him not making payments, I have requested several time to go repossess the vehicle. I have given them his address and phone number as well as told them exactly where the truck is parked. Toyota refuses to repossess the vehicle and is still reporting a delinquent payment monthly on my credit report. Toyota 's refusal to retrieve the vehicle and report a negative on my credit report has cost me employment opportunities due to continued delinquency on my ex husband.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid 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: CITIBANK, N.A. (TN)

On XX/XX/2022 I attempted to purchase two ( 2 ) one way tickets from XXXX ( XXXX XXXX ) to XXXX ( XXXX ) airports on XXXX XXXX website for myself and my son to come back home from a long XXXX vacation out West along historic XXXX XXXX I did print from my home computer a confirmation of the tickets purchase, using mty Citicard credit card ( account # XXXX. 

Approximately 3 weeks went by and I had not received my monthly Citicard billing in the U.S. Mail. As you know, the XXXX XXXX XXXX has been experiencing extensive delivery problems for the past year for several reasons. I wanted to make sure my XXXX tickets had been paid for on my Citicard credit card so I called Citicard call center. The male call center employee who took my call told me " No XXXX XXXX, Citicard did NOT pay for those tickets because you do not show a history of periodically purchasing airline tickets on your Ciiticard and the cost was large ( {$730.00} )., therefore our Anti-Fraud software declined to approve that purchase to protect you... we apologize for any inconvenience ''. 

Based on the phone conversation with Citicard call center and relying on that information to be accurate ... on XX/XX/2022 I purchase two ( 2 ) travel tickets from XXXX XXXX using my same Citicard credit car the same passage home from XXXX XXXX. 

It wasn't until XX/XX/XXXX or XXXX that I received on my cell phone ticket reservation and flight information from XXXX XXXX that my tickets were " Active '', and I then realized there was going to most likely be a billing error on my account ( double billing for our one way trip home ). 

I arrive home on Sunday XX/XX/XXXX. I contacted Citicard call center about this problem,, and I have called them several times. They have refused to reverse my charges from XXXX XXXX XXXX, even though we did not travel on XXXX to get back home. 
I have told Citicard Billng Disute supervisors that the billing duplication is not really XXXX 's mistake, but rather Citicard 's because they never notified me by phone that my original purchase with XXXX actually did go through subsequent to my original inquiry. 

I have furnished paper copies of ticket purchase to Citicard two times per their request. There is no additional documentation I can send to them. 

I have tried several times t o get this billing problem resolved by Citicard but they have refused.
Consumer complaint received 2024-07-08
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing to dispute inaccurate information on my credit report. The account in question is listed as follows : * Creditor Name : XXXX * Inaccuracy Details : incorrect account status, incorrect monthly payments, incorrect date of last payment, incorrect account type, incorrect date last active. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. Please confirm receipt of this letter and provide written verification of the actions taken to address this dispute. I trust that you will handle this matter with the urgency it requires. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-08-19
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. (LA)

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. 

Account Name - XXXX XXXX XXXX. 
Account Number - XXXX Account Name- XXXX XXXX XXXX Account Number- XXXX, Has Violated my rights under, 15 U.S.C section 602 15 U.S.C section 604 15 U.S.C 1681 C.

15 U.S.C 1681 S-2 ( A ) ( 1 )
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

Equifax is reporting an open account on my credit report I havent given them or anyone else to use my credit they need to remove this account immediately Account name : XXXX Fair Credit Reporting Act 15 USC 1681 section 602
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

( XXXX XXXX ), XXXX XXXX, ( XXXX ) contents of complaint : this has been filed to request pursuant to FCRA sec. 605B ( 15 U.S.C sec 168c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within FOUR Business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts, an auto loan through XXXX XXXX XXXX. Account Number ( XXXX ) A Credit card Acc. which has now being handled by XXXX XXXX XXXX, Account Number ( XXXX ). Another credit card acc. that is now being handled by XXXX XXXX XXXX, Account Number ( XXXX ) Credit Card acc. That is being handled by XXXX XXXX XXXX Account Number ( XXXX ) Account with XXXX XXXX XXXX, Account Number ( XXXX ) and a personal loan with acct. XXXX XXXX XXXX, Account Number ( XXXX ). XXXX XXXX XXXX, Account Number ( XXXX ) XXXX XXXX XXXX, Account Number ( XXXX ) XXXX XXXX XXXX Account Number, ( XXXX ) These accounts has resulted in several fraudulent Collections and negative accounts appearing on my XXXX credit report. I have also attached FTC REPORT ( s ) ( Identity Theft Criminal Complaint ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are fraud.
Consumer complaint received 2024-08-19
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. (TX)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.