davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I want to cancel a recurring payment that I have with Toyota Financial Services because there are insufficient funds in the account to make the remainder of the lease payments. 
I called customer service on this and the rep told me she could not cancel the payment because I had scheduled it using the app. The Delete Payment button is missing on my end so this is not possible. The rep told me she would check with her manager and ended up hanging up on me.

I called customer service a second time and was promised a call back by a manager within 3 days ( 72hrs ) in connection with case XXXX. It has been over week and no one has followed up. 
In the attached pictures I have included a screenshot of the payment account that I want to use. I have the option of cancelling this payment. I have also included a picture of the payment I want to delete which is missing the delete payment button.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-11
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. (AR)

XX/XX/year> I received a response from CFPB that my complaint was sent but they did not respond within 30 days which legally these accounts should be deleted.

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 XXXX, Account Number : XXXX. Account name : XXXX XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX , Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : ( original creditor : XXXX ) XXXX XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : ( original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX XXXX, Account Number : XXXX Account name :XXXX, Account Number : XXXX Account name :XXXX Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : 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 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 ) ( 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. My identity has been constantly involved in data leaks and located in the dark web which Experian has told me several times. These accounts do not belong to me, I do not trust or deal with credit and now that Im trying to get a mortgage and buy a home for my future family I am unable.

My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. Social security number is XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have addresses listed on my reports that should not be there. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-08-11
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. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

On today XX/XX/2023 around or about XXXX XXXX  yours truly experienced XXXX profiling by a white PNC Customer Service Representative. To whom stated that despite me already being verified through the PNC Banks Automated System. She in a racially prejudice manner told me that I had to answer some specific questions to verify to whom I am and as me being a person of XXXX I felt very offended at this poor ethic nature in customer service. And she was actually trying to trap me so that I wouldnt have any access to my account. However when calling back a few minutes later and being connected with a minority customer service representative. There was absolutely no problem with him giving me the valid updated information on my account and prior to me being verified through the automated system there were no request for a second validation. PNC seems to be vindictive towards me. Because about a month ago @ their location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. As I was doing a transaction inside of the Branch. In which the Branch Manager was filling in as XXXX of the Tellers. During the midst of the Financial Transition. She rudely stated that I could use the ATM outside. However she and many others knows that this is a XXXX XXXX infested crime ridden area. So for the third time PNC @ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Im not a follower of these deceptive lies about this XXXX XXXX being a safe community. So for my safety Ill come into the Branch in which I thought was improving until this and the Security Guard playing the role as a PNC Customer Service Representative. XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I previously disputed a collection account on my report from XXXX XXXX XXXX. 
After the dispute, the collection account on my credit report XXXX XXXX XXXX was reported to say WILL BE REMOVED AS OF XX/XX/year>. 
The collection account has not been removed. 
This is from Experian. However, I want it removed from all my credit reports.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian refuses to remove a charged-off account that was opened without my authorization and as a result of ID theft. Ive sent an official police report, FTC complaint, employment and ID documents proving that Ive lived overseas and did not open, access or use this account. XXXX  and XXXX   promptly removed the same fraudulent account in XX/XX/XXXX and adjusted my credit score. Yet when the same dispute was submitted to Experian in XX/XX/XXXX, they refused to adjust the score. When provided the same supporting documents on XX/XX/XXXX, they still refused. As of XX/XX/XXXX, this fraudulent account is still on my Experian credit report, thus preventing me from using my correct credit score. Experian provides excuses every time I call them, which is essentially a waste of 60 mins on a daily basis. I want to formally file a complaint with the CFPB again Experian to help me correct my credit score and allow me to live my life.
Consumer complaint received 2024-05-21
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. (NC)

I was a resident at the XXXX XXXX apartments from XX/XX/XXXX until XXXX XXXX. Due to my place being flooded and also due to XXXX maintenance issues at the apartment. 
My address was XXXX XXXX XXXX XXXX XXXX OH XXXX. I was constantly having maintenance issues, and constantly sending over request which sometimes took up to 3 months to fix. I would come home and find the maintenance people in my home unannounced. The place was fully carpeted and I would come home to Mud tracked through the apartment. I have attached photos and I have attached documentation of these issues. On XXXX XXXX, XXXX I get a call that pipes in my unit had burst and there is water everywhere. I was not at home, but quickly arrived back to see the damage and it was bad. ( see pictures ), The place was not liveable not only was the ceiling hanging they had cut huge holes in the walls and cold air was blurring in my apartment. They refuse to re locate me to another apartment. I called an attorney to get counseling he advised me to request relocation, they said they had no other open units. Which was not true, I spent about XXXX days with no heat sleeping in my car/airport bathroom, I called code enforcement, he came out and spoke to office manager and he also advised me that It would be sometime before things got corrected, the fumes from the moldy walls began to make me sick and caused shortness of breath. I had to get out of there, the attorney gave them a notice in writing that I would be leaving due to the place being inhabitable. ( letter attached ).
Consumer complaint received 2024-05-21
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. (TX)

PLEASE BLOCKED AND REMOVED.

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-21
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. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-11
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: Experian Information Solutions Inc. (GA)

I am writing to dispute the inaccurate and fraudulent information reported by XXXX XXXX XXXX on my credit report under account number XXXX. Despite providing all necessary documents to prove this account is fraudulent, it continues to remain on my report. I request the immediate removal of this account from my credit report to correct this error.
Consumer complaint received 2024-05-21
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. (CA)

I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-21
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)

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 XXXX. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-05-21
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)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-05-21
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. (MD)

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. Whos studying XXXX XXXXXXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-21
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. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-21
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-21
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

According to 15 USC 1692g I never received any communication about this unauthorized collection and according to law it must be removed immediately. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-11
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. (AR)

XX/XX/2023 I received a response from CFPB that my complaint was sent but they did not respond within 30 days which legally these accounts should be deleted.

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 XXXX, Account Number : XXXX. Account name : XXXX XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX , Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : ( original creditor : XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : ( original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX XXXX, Account Number : XXXX Account name :XXXX Account Number : XXXX Account name :XXXX, Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : XXXX Account name : XXXX, Account Number : 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 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 ) ( 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. My identity has been constantly involved in data leaks and located in the dark web which Experian has told me several times. These accounts do not belong to me, I do not trust or deal with credit and now that Im trying to get a mortgage and buy a home for my future family I am unable.

My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX. Social security number is XXXX