davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I'm writing letter to complain to you about auto loan Toyota XXXX XXXX XXXX XXXX XXXX | received call from financial services for given me offer XXXX $ if I pay off my car loan right away I accept the offer and pay XXXX $ after I got report in my credit ..late payment and legally pay off not full amount I didn't ask for offer and never missed payment I try hard to sale my car in Auction and confirm to many time appointment with Toyota financial services to pickup car but never happened and I got call for pay off my auto loan in 6 months I say great for me but it doesn't work ..I wan na close my loan and get new car no have any problem but no one help me ..why I received report negative response ..l 'm never missed payment.. please I wanaa help for fix all that..I didn't do anything wrong l 'm not deserve Thank you
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Law Offices of Hayt, Hayt & Landau, LLC (NJ)

The company took out a judgemebt on me after the amount of time allowed. All they have is the judgement. They don't have an itemized bill with dates or amounts. So many times they send me fake documents saying I was due in court so when they got a real one I had no clue they did. I feel this is how this company operates. Tricks and lies!
Consumer complaint received 2024-09-17
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)

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 name : CAPITAL XXXX # XXXX Account name : CURRENT # XXXX Account name : XXXX XXXX # XXXX has 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 report agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer agency may make any consumer report containing any of the following items of information any other adverse items 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 2024-10-15
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently reviewed my credit report and noticed an account that is not reporting accurately. I am showing 30 days late on the account. This company has never notified me that I was about to be late nor notified me that I am late. I was never notified and 15 U.S. Code 1666b - Timing of payments I have a right to be notified. I am requesting that this late payment be removed and updated and this account status be updated to paid as agreed and NOT from no more than 2 payments past due because this is inaccurate.The lack of notification by email or mail has caused a great deal of stress and is detrimental to my credit health. The consumer reporting agencies and furnishers have a legal duty to follow consumer laws. This situation was not handled within the legal realm of this code. I was not notified. Thank you for your prompt understanding and prompt action. I have reached out to this company in XXXX and have been told a manger would call me back but this company has totally ignored the damage that they have caused to mycredit for not following the law. i have also advised them that I have been greatly affected by Hurricane Beyrl and this has caused me not to obtain relief and resources. 
i have been attempting resolve this since XX/XX/year> and Kohls have ignored me.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (IL)

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

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

I demand the late payment reported in MONTHS REPORTING LATE 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.

This company 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 2024-10-03
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. (PA)

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 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Dear Equifax, I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way : I dispute the following accounts : XXXX  Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXXXXXX XXXX- Account No. XXXXXXXX XXXX XXXX XXXX Attached is a completed ID Theft Affidavit and a Police Report. All the items I dispute are also circled on the attached copy of my credit report. 

Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act. 


Sincerely, XXXX XXXX Enclosures : Credit Report, ID Theft Affidavit, Police Report
Consumer complaint received 2024-09-09
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX Balance : {$2400.00} late open XXXX XXXX Balance : {$710.00}
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

During the height of the pandemic I received multiple calls every week for months about this debt. I did not know that the laws of my state at the time and that the statute of limitations were changing from 6 years to 3 years. I had reached out to the company in XXXX of XXXX I reached out to the company to inquire about the debt. Since then this company has updated my payment history on each reporting agency. They've added that I made a payment on XX/XX/XXXX. This is a violation of my rights. I believe the company is attempting to reage the account and extend the time it stays on my report. I have asked for verification of debt and have received copies and letters with an address that I have no record of. I moved to my current address in late XXXX. The address on the letter from the original creditor does not match my current address. 

This company provided a letter from the original creditor dated in XXXX which I never received and it was not mailed to my address. Besides calling me constantly in an attempt to restart the statute of limitations on this debt, this company has provided inaccurate information on my report and is updating my report every month as an open account with a past due balance. A collection is already past due. I never made a payment and it is reporting as a payment was made or scheduled. I want Portfolio Recovery to be investigated for their practices, provide when was I contacted initially about the debt. I am required to have an accurate reporting and the update every month has caused new employment opportunities. 

This account has passed the XXXX in my state of NY which is 3 years. According to the records on file the original creditor sold the debt to Portfolio Recovery sometime between late XXXX to early XXXX. This account is passed XXXX. 

Please remove from my records for inaccurate reporting
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Adjusters, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : complaint Regarding Violation of Privacy Protection under XXXX U.S.C. XXXX I am writing to formally file a complaint regarding the handing of my personal financial information, which I believe constitutes a violation of the privacy protections afforded to me under XXXX XXXX of the Gramm-Leach-Bliley Act { GLBA }. 

Verify this date As per XXXX U.S.C. XXXX XXXX, financial institution are required to protect the confidentiality and security of consumers ' non-public personal information through appropriate safeguards. Unfortunately, I believe your institution has failed to comply with these requirements in the following ways :. [ e.g., Unauthorized access to my financial records, failure to notify me of a data breach, sharing my information without my consent, inadequate protection measures, etc. ] This breach of privacy has caused me considerable concern and stress, and it raises questions about your institution 's commitment to safeguarding sensitive customer data, as mandated by law. 

XXXX full investigation into how this breach of my privacy occurred. 
XXXX steps to secure my personal financial information and prevent further breaches. 
XXXX written explanation of your institution 's safeguards to protect personal information as required by the XXXX XXXX XXXX. 
XXXX that you have addressed the issues that led to this breach. 

Please respond within [ reasonable time frame e.g., 14 days ] with your proposed resolution. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

the lender kikoff is furnishing inacuratem information on my consumer report its reporting XXXX late payments on on experian and XXXX late payments on transunion i would like these inacuracies removed from my consumer report
Consumer complaint received 2024-09-09
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. (CT)

There are multiple inquiries on all XXXX credit bureau that does not belong to me and I believe I'm a victim of identity theft. I've contact all bureau to remove the inquiries and they're telling me that the information is accurate which is incorrect.
Consumer complaint received 2024-07-17
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. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-07-17
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX Formerly XXXX Account no XXXXXXXX XXXX XXXX XXXXXXXX. Account no XXXX XXXX XXXX, XXXX Account no XXXXXXXX XXXX XXXX  account no XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2022 my wallet and identity were stolen. I immediately file claims with financial institutions affected and as well as all other accounts I have. I obtained a new driver 's license and filed an online police report. I continued and continue to have new inquiries on my credit report even though I have placed a lock on my credit. Somehow the thief continues to be able to have access to my credit. Unknown.
Consumer complaint received 2023-07-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I currently have an open account with XXXX XXXX. This account has been active since XXXX. I was overcharge for the car I had which was a XXXX XXXX XXXX. After reviewing my contract my interest rate was extremely high. There were junk fees added to my account. The car value ended up being XXXX. I tried multiple times to return the vehicle but was left stuck with it. My car was involved in an accident by another driver. My insurance company paid the car off and I had gap insurance. For whatever reason XXXX XXXX said they never received any documentation proving that. I sent the documents XXXX and as of today no one can seem to find it ( Scammers ). Ive noticed that this has happened to multiple XXXX. My account was placed in collections and turned over to their attorney. I settled in full on XX/XX/XXXX and have yet to receive the proper documents from CREDIT ACCEPTANCE. The attorney sent me a receipt, and also documentation of the closed account. Ive called XXXX XXXX XXXX trying to get what I need to close the account on their end. Its always a different answer each time I call. My credit shows a lower balance, but it doesnt reflect settled in full. Its showing derogatory marks although Ive disputed everything with XXXX, XXXX, & XXXX based off the inaccurate information. This company need to be investigated for ripping people off, adding junk fees, hidden fast, and high interest rates to consumers with low credit scores. Each rep I speak with are extremely rude and dont want to be on the phone
Consumer complaint received 2024-07-17
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)

XXXXXXXX XXXX XXXXXXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year> and XX/XX/year>
Consumer complaint received 2024-07-18
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. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA XXXX. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.