davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent updated personal information to experian, XXXX, XXXX, about this address being reported inaccuracies like this ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. ) I have never lived at this address. Please delete this address from all XXXX reports. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( inaccurate reporting, delete it now. ) 2 ) XXXX XXXX XXXX XXXX XXXX XXXX ( inaccurate reporting, delete it now. ) 3 ) XXXX XXXX XXXX XXXX XXXX ( never been late, delete now. ) 4 ) XXXX XXXX XXXX XXXX XXXX ( inaccurate reporting, delete it now. ) 5 ) XXXX XXXX XXXX XXXX XXXX XXXX ( inaccurate reporting, delete it now. )
Consumer complaint received 2023-10-26
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. (NC)

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

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 2024-05-29
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. (MA)

I am writing to formally dispute several unauthorized inquiries that currently appear on my credit report. In accordance with Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these inquiries as they were made without my authorization and constitute a serious violation of my privacy rights. 

The inquiries in question are as follows : XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 I did not authorize anyone employed by these companies to inquire and view my credit report. Therefore, I am requesting that you validate these inquiries with the companies mentioned above and provide copies of any documentation associated with these inquiries that bears my signature authorizing such actions. 

In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. I expect a response confirming the actions taken and the results of your investigation. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving these issues.
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-26
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-05-29
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)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I lived in an apartment back in XXXX and moved out after lease ended per my agreement. I was never contacted about any additional money owed until one day I went thru my mail and found a letter from some unknown debt collecting agency in XXXX. I looked at the letter and called my previous landlord who refused to give me any information and directed me to a collector instead. I had no knowledge or contract with this company because they ask for a social and I'm not doing any business with them I will not provide. Then one day the collection agency put the debt on my credit and said I owed this money as of XXXX XXXX. I wanted to know how when I've been living in the same place for almost 2 years already and no one let me know anything else was owed!!
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-26
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. (TN)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this issue has been addressed multiple time an no action has been taken. checking the information reported all data is reporting illegal information an fraudulent data. this has caused many denials on my credit report. please review an remove the listed items to help update my credit report correctly asap.
Consumer complaint received 2024-05-29
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)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate & REMOVE these Fraudualent Accounts : 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 In addition to, the Credit Agencies stated everything was complete, accurate XXXX and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile.

The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Consumer complaint received 2024-05-29
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. (VA)

I do not recognize any of the items on the hard inquiry lists and ask the bureaus to remove the item however they have not done it as I have request. I have filed a identity theft report as well included it for you. I have not authorized anyone nor business or company use of my credit.
Consumer complaint received 2024-05-29
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I am writing to dispute a charge off account status that has shown on XXXX, XXXX and XXXX. The creditor is Toyota Financial Services. I am requesting that Toyota Financial Services remove or update my account as a closed account rather than a charge off. 

I had an active car loan with Toyota Financial Services which I have paid monthly. On XX/XX/year>, I had some water damage to my vehicle which I placed a claim through my insurance company XXXX. On XX/XX/XXXX XXXX submitted documents to XXXX stating that the vehicle suffered a total loss. Although, I did not agree with the loss water damage claim, I continued to make monthly payments to Toyota Financial Services. Furthermore, I repaired the vehicle with my own finances through XXXX dealership who is owned by XXXX. The vehicle is repaired, in good condition and still in my possession. 

On XX/XX/XXXX I received an e-mail from Toyota Financial Services stating that my car loan had charged off on XX/XX/year>, for {$20000.00} and has been sent to a collection agency, XXXX XXXX XXXX XXXX. I immediately called Toyota Financial Services, as I had no understanding of why my account was charged off. 

A representative said that a letter had been sent to me. I informed the representative that I never received such letter and that I've been making monthly payments to XXXX on this account. 

At that time, the representative forwarded the letter to me via e-mail although the account had already been charged off. 

I am requesting that XXXX XXXX have the item removed as a charge off account status and or updated as closed or completely deleted. 
This charge off status has damaged my credit. This action has been done without giving me proper notification to resolve within a timely matter
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CUSTOMERS BANCORP, INC (NJ)

I was a victim of identity theft. Someone took out a personal loan from Customers Bank through XXXX. I contacted Customers BankXXXX on XX/XX/year> and again on XX/XX/year>. They provided me with a package to complete for there investigation. I was able to provide everything they requested with the exception of one. They were requesting a note from the bank ( XXXX ) stating that the account that the funds were transferred to showed fraudulent activity. The bank would not provide this information, which I explained to XXXX. I also requested that the contact the bank directly as a part of their investigation, which they did not do as far as Im aware since the bank stated over the phone to me that there was fraudulent activity and the account has since been closed. They concluded their investigation stating that the loan is valid. I did not take out this loan and now my credit score is being negatively impacted. I also reached out to them via email on XX/XX/year> communicating the same thing. I received a letter on XX/XX/year> that their investigation determined that the debt is valid since they didnt receive the letter from XXXXXXXX XXXX showing that there was fraudulent activity associated with the bank account ending in XXXX. I communicated to them multiple times that XXXXXXXX XXXX  confirmed that there was fraudulent activity on the account and closed it. However, they would not provide me with a letter. Therefore I requested that Customers Bank contact XXXX directly as a part of their investigation. If they were concerned with conducting a thorough investigation I would think they would contact XXXX. I dont believe that happened and therefore their investigation is incomplete. Lastly, in my initial discussions with XXXX, none of the personal information matched mine. Different address and phone number. So Im not sure what the vetting process is for them but this didnt make any sense. Why wouldnt this raise a red flag? I think that probably needs to be reviewed as well.
Consumer complaint received 2024-05-27
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. (SC)

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  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

*Disclaimer* I do not acknowledge ownership of this debt*! The account in question -- XXXX  XXXX XXXX  Account number XXXX reports a balance of {$3100.00} and is marked as a charge-off. However, this company is continually re-aging the account and adding XXXX payments. The most recent alleged payment is shown as occurring in XX/XX/XXXX, which is impossible as I have no access to or ability to make payments on this account. A simple investigation will reveal that this payment did not come from me and I highly doubt that the fraudster would come back years later and randomly make a payment. That only leaves one option, which is that the bank is re-aging the debt through inaccurate reporting.

I request that this account be deleted from my credit report immediately as it has surpassed the 7-year mark from delinquency. The last actual activity on this account is reported as having taken place was XXXX. Therefore, it qualifies for removal. It is unfair and illegal for me to be penalized for over XXXX  years for an account that was opened nefariously in my name. 

I have been patient in waiting for this account to age off my report, and the practice of re-aging debt is both illegal and immoral. I urge the CFPB to take immediate action to ensure this account is removed from my credit report.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A. (VA)

My Father, XXXX XXXX XXXX passed away XX/XX/XXXX. XX/XX/XXXX or XXXX, XXXX, I visited PNC Bank at XXXX, XXXX, Illinois and met with XXXX XXXX XXXX ID XXXX to discuss need to close two credit card accounts, and possibly open a Trust asset account. XXXX XXXX was given original copies of all the legal documents-death certificate, filed copy of Will, and the Trust. She told me that all had to be reviewed by the legal department, and it would take a couple of weeks, then she would set an appointment with me to go over paperwork. The 2nd appointment was on XX/XX/XXXX. The paperwork all had to do with the opening of the Trust asset account. XXXX XXXX told me the credit cards would be closed, and expect my father 's online banking access to cease; suggested I set the cards to " Locked '', so charges could not be made before it was closed. I never had any paperwork specific to the credit cards ( 2 accounts ), but I had asked what needed to be done, did everything I was told, but the accounts were NOT CLOSED and an automatic payment to my dad 's internet provider was continued to be paid by PNC, even though I tried to dispute the charges through his online access, for SIX MONTHS. PNC Credit as well as Fraud departments always told me they could not talk to me because I wasn't listed on the account, to which I'd reply, Legal or XXXXrobate Department has all the legal documents! Noone can give an answer as to why the legal documents are not available to the credit department. In XX/XX/XXXX, received a letter from PNC that they closed one credit card for lack of use. The week of XX/XX/XXXX, I drove 51 miles, each way to the nearest branch in XXXX and spoke to XXXX XXXX, who confirmed nothing had been done to close the account. I had to produce additional death certificates ( PNC had my stepmom 's since XXXX ) and once again request closure. In the months in between, Fraud Prevention would call me when someone was attempting purchases, I'd explain he's dead & account SHOULD be closed. I have spent HOURS trying to get this resolved, and they claim they are closing the account, but have NO PROOF of this. PNC Bank and Others should not be allowed to issue credit and sell their " Services '' if they can not manage the services they offer.
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.