davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
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. (WI)

On XX/XX/XXXX I was informed that I currently have serious delinquency reportings on my XXXX, Equifax, and XXXX credit bureau reports as I applied for funding at my local bank. The reports illustrate late payments of 30 days and more for multiple loans in XXXX & XXXX though this REPORTING IS INVALID. I have contacted both loan service providers which the accounts are attached, to verify if these reports are true. Representatives from both companies did not find and COULD NOT VERIFY that the accounts had ever been in default or received late installment payments. These reports are invalid and therefore must be removed according to the Fair Credit Reporting Act.
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (OH)

I am writing to urgently inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent entries on my credit report. These XXXX unauthorized accounts and an inquiry were added without my knowledge or consent and require immediate correction. 

ACCOUNTS - XXXX XXXX XXXX XXXX - XXXX  XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I purchased a car from XXXX Toyota XXXX ( Maryland ) on XX/XX/year>. I requested a refund of the extended warranty ( {$3200.00}. ) on XX/XX/XXXX, and the dealer confirmed that they had applied for it. 
On XX/XX/XXXX I tried to use the service contract I had purchased through the dealer for {$840.00} and was told by Toyota Financial that they had no record of it either, so I requested to cancel that as well, which XXXX Toyota confirmed. XXXX Toyota said they had registered the contract, but that Toyota Financial Services was " behind '' in processing the paperwork. This was confirmed by an agent I reached at Toyota Financial Services as well. 

However, Toyota Financial now says that neither of these plans was ever registered by the dealership with them so they have no way of refunding them. The dealer says that both the application and the request for refund were submitted to Toyota Financial Services, so I don't believe Toyota Financial Services is being forthcoming about this. 

I need help getting Toyota Financial Services to refund this amount to me in the form of a refund payment to my loan with XXXX XXXXXXXX XXXX in the amount of {$3200.00}. plus {$840.00}. for a total of {$4000.00} plus interest at 8 % for the last few months.
Consumer complaint received 2024-09-10
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. (NC)

I am writing to dispute incorrect personal information on my credit report. The names addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc,XXXX  do not belong to me. Please investigate these inaccuracies and remove them from my record. 

Enclosed are proof of residence for your reference. I appreciate your prompt attention to this matter.
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. (NY)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX 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.

( CREDITOR NAME ) 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 2024-09-10
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: EQUIFAX, INC. (MS)

I just recently looked at my credit report on XX/XX/XXXX. I noticed some hard inquiries on my credit report don't have a permissible purpose. I also attached evidence. 

1. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX  XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be XXXX. XXXX XXXX XXXX XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.
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. (MD)

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is to inform you that I sent you several letters disputing same inaccurate information you are producing in my consumer report that affects my reputation. I know my legal rights and I know that I am protected by the Consumer Law. 
Previously I requested you to conduct investigation regarding the account name and account number reported inaccurately as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the, pursuant to 15 U.S. Code 1681s2 inaccurately reporting You are violating my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



1. XXXX  - XXXX 2. XXXX XXXX - XXXX 3. XXXX XXXX - XXXX 4. XXXX XXXX  - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-05
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. (MS)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-04-08
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting at the list of account below has violated my federally protected consumer rights to privacy and confidentially Collection company name : XXXX XXXX XXXX Account number XXXX Account number XXXX Collection company name : XXXX XXXX Account number XXXX XXXX Collection XXXX XXXX : The XXXX XXXX XXXX 
Account number XXXX Collection company name : XXXX XXXX  Account number XXXX Collection company name : XXXX XXXX XXXX Account number XXXX Collection company name : XXXX XXXX Account number XXXX Collection company name : XXXX XXXX XXXX Account number XXXX Account number XXXX 15 USC 1681 section 602.a States I have the right to privacy. Section 604a also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 conviction of crimes wish antedates the report by more than seven years 15 USC 1681s2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable calls to believe the information is inaccurate
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX Collections - XXXX - XX/XX/XXXX Opened- I am requesting that this tradeline be removed from all three of my credit reports. Back in XX/XX/XXXX, I moved into XXXX at XXXX XXXX. In XX/XX/XXXX, I put in my 60 days  notice to the property after hearing about break ins at the property. During my transition in XX/XX/XXXX, I returned to my property at XXXX and confirmed that my unit was broken into. My unit was next door to the leasing office ( gated community, but access to units on the sides of gates for non-residents to enter ). I filed a police report with XXXX Police Department and notified the property. I was advised that no balance was due after me submitting my 60 day notice, along with moving for safety after my property was destroyed and items were stolen. I was later contacted by RDAC regarding a debt owed to the property that they were collecting on. I received no documentation or proof of this debt being owed. The collector is trying to collect on a company that is permanently closed, shortly after the multiple break ins that took place after mine. This account continues to be on my reports after many years. Ive been told by agents that if paid, it will be removed, but no proof of pay to delete when requested. Small payments were applied after confirming they would settle for what was paid within the 30 days and no deletion of the trade line. The account reflects as OPEN and reports as Collection monthly.
Consumer complaint received 2024-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland credit management {$2800.00} I'd like to get verification documentation of this debt specifically a written agreement with my signature on it. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
Have been any payments or other reductions since the last billing statement from the original creditor? If so, provide an itemization showing the dates and amount of each of them. 
Have there have been any other changes or adjustments since the last billing statement from the original creditor? If so, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. 

In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 
Details about your authority to collect this debt. 
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

I have asked for this information because I have some questions. It is imperative that I hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. 

Thank you for your cooperation. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  - XXXX - Opened XX/XX/XXXX- Shows 1 late payment for XX/XX/XXXX on all three credit bureaus - Dispute is regarding inaccurate information being reported for this tradeline. For each report, they each report a different closed date. XXXX confirms it was closed XX/XX/XXXX, when XXXX shows XX/XX/XXXX. Experian and XXXX report the same last payment date as XX/XX/XXXX when XXXX shows XX/XX/XXXX. XXXX reports the worst payment date as XXXX days when XXXX shows Current. Inaccurate information request that the account be deleted but I request for the accounts to be updated and the late payment for XX/XX/XXXX as paid. I have never been late for this account.