davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

Please be advised that as of XX/XX/year> as listed on my most recently reviewed chexsystem report, there are several frauds/ or unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
I am hereby notifying you that I did not authorized these inquiries, this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within XXXX  days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to chexsystems resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2024-05-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

In response to claim number XXXX where employees at Toyota Financial Services responded . The employees who responded has no first hand knowledge of who signed what contract simply because they were not present. They would would have to be put under penalty of perjury if they are stating that they were present at the dealership, otherwise I have the recording and evidence which proves that such contracts are in fact unconscionable. Employees at XXXX XXXX did not provide full disclosure of how they got paid off of my investments and that they were advertising that they provide loans. Furthermore, they did not advertise that they are converting real Men and Women into property by using a XXXX XXXX XXXXXXXX XXXX XXXX Language which is not English. They are telling customers that the contracts do not exist just by the language they use and therefore a customer who knows how to read can only agree that such contracts written in this foreign language is fraudulent from its inception. They are willfully deceiving shareholders. Employees went a step further to say that legally they do not have to validate the debt when legal is the undoing of Law and by operation of law they are required to validate all debts where a company employee has made claim they a debt is owed. The only time employees at Toyota Financial Services would not have to validate the debt is if the debt was already paid pursuant to 12 code of federal regulations 1006.34 section ( 2 ) Exemption. New money are created from signatures and signatures means that funds are either issued to customers who are shareholders by operation of law, or that debts are discharged according to the Uniform Commercial Codes. Employees can not validate the debt because their are no debts owed to Toyota Financial Services who actually the debtor and the proof is in the language. They sent out another contract thats not written in English. Please note they an employee made claim that the contract is written in English when the styles manual proves that its not English.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

Please be advised that as of XX/XX/year> as listed on my most recently reviewed chexsystem  report, there are several frauds/ or unauthorized information these accounts were sold for less to a third party, please see the below accounts 1.XXXX XXXX XXXX  Account # XXXX XXXX XXXX bank Account # XXXX Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are incorrect, I have not given chexsystem permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXX  resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2023-12-20
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-19
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 respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-12-20
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. (GA)

in accordance with the fair credit reporting act bank : Law offices XXXX # XXXX, has violated my rigths. 

in accordance with the fair credit reporting act bank : law offices XXXX # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. states i have the rigth 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
Consumer complaint received 2023-12-20
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. (GA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PNC Bank N.A. (CA)

PNC loan officer - XXXX XXXX is marketing misleading info on XXXX, I attach the print-screen. 

1st, without 2 years vesting history, PNC can only approve RSU from XXXX XXXX companies, XXXX XXXX did not specify that, this is misleading advertising, and with PNC title in social media, she is speaking on behalf of PNC, exposed PNC to endless lawsuit risk. 

2nd, PNC management, especially when XXXX XXXX was SVP, warned loan officers several times that XXXX is unapproved social media, run by a XXXX company. All banks prohibit it. If XXXX XXXX is allowed to market, she gets special favor which is discrimination to other PNC loan officers. 

XXXX XXXX knowingly violated company policy. She shall be terminated. Or I will check with lawyers regarding being discriminated
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

For the past 6 years XXXX XXXX has repeatedly reported a loan on my credit report that I never applied for much less received. After years of fighting them, them removing it only to add it a few months later, and countless complaints to you and other agencies they agreed to remove the account from my report and told me to let the collection agency know. I contacted the collection agency who immediately opened an investigation. Both companies promised to take it off my report but Experian is refusing to do it stating that XXXX XXXX has reported the account as accurate even though I sent the emails from both companies stating they have requested removal. I contacted XXXX XXXX and they said this was not true, that Experian never contacted them. 

For the past 40 years of me having credit Experian has fixed an inaccurate report once even when I showed proof unless I threatened to sue and had an attorney speak with them. I can not afford an attorney now or even consultation and they know it. I am tired of them allowing illegal activities to be done at my expense.
Consumer complaint received 2023-12-20
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. (NJ)

I have communicated with these companies on multiple occasions in regard to the accounts listed and I have been ignored, so I was informed that I should contact the CFPB to file a complaint that my right to privacy has been violated. 
According to the Fair Credit Reporting Act, 15usc 1681 ( a ) ( 4 ) the consumer reporting agencies are to exercise their responsibility with fairness and respect a consumers right to privacy.

Pursuant 15usc 1681 ( b ) the consumer reporting agencies are required to adopt reasonable procedures to meet the needs of commerce for consumer credit, in a manner which is fair and equitable to the consumer, regarding confidentiality of information. Also, The Privacy Act of 1974, as amended, 5usc 552a prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (KY)

I am not satisfied with the response for case # XXXX I have opened an account with a promo code and consumer care team also confirmed the same. Now USB is saying this is a training issue. 

I want {$400.00} as they promise through a Check, as I have already closed the account after waited for 8 Months. 

Initial Issue - US Bank is not honoring the bonus of {$400.00} even if maintained the salary deposit of $ XXXX for 3 months. Called multiple time and confirmed that Bonus code was correct, visited office at well at XXXX XXXX. 

Initially got some response, but past few weeks no response of my email. Please help me here, as I have blocked my money for more than 4 months to get the bonus. 

Customer care confirmed on XXXX XXXX timeframe that promo code is correct, all good and wait till XXXX end.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Muskegon Car Credit, Inc. (IL)

In accordance with the Fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  15U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. If also states a consume reporting agency can not furnish an account without my instructions. 15 U.S.C 1681 C. ( 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 which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally dispute the inaccurate late payment information that continues to appear on my credit report. Despite my previous dispute, the following accounts are still reporting late payments that I believe to be incorrect. I am requesting a thorough re-investigation of these items under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, credit reporting agencies are required to report accurate information.

Specifically, section 611 ( 15 U.S.C. 1681i ) mandates that credit bureaus conduct a reasonable investigation of disputed information. Your failure to correct these inaccuracies after my initial dispute suggests non-compliance with this section of the FCRA.
Consumer complaint received 2024-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I checked my inquiries and saw XXXX  XXXX XXXX XX/XX/XXXX on my report as a inquirie never applied for any credit. Capital one on XX/XX/XXXX never applied for any credit. XXXX XXXXXXXX XXXX again XXXX and Capital one again on XX/XX/XXXX. Than I see this XXXX  on XX/XX/XXXX dont even know what this is never applied. On XX/XX/XXXX XXXX appeared dont have any knowledge of this account.
Consumer complaint received 2023-12-20
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. (NC)

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.

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 re
porting 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 2024-05-28
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. (MI)

Fraudulent XXXX accounts were opened in my name as well as a XXXX XXXX XXXX loan. 

The amount for XXXX XXXX is {$7100.00}. I have spoked to XXXX and provided them with a police report on XX/XX/XXXX. Ive emailed several emails back and forth between me and XXXX and they assured me they would rectify this situation by removing the debt. 

A XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX loan was opened in my name in XXXX of XXXX for {$7000.00}. This too is a fraudulent account.
Consumer complaint received 2023-12-20
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. (CT)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX, first required me to by gap insurance, wheel and tire coverage and extended warranty I order to acquire a lower loan rate. Then in XXXX XXXX XXXX I had XXXX XXXX called and informed them. I was told that I would not be charged a late pay on my credit reports. To which I found to be a lie. Of course the credit bureaus cover and protect the business to no extent. Ive been advised that the XXXX XXXX XXXX XXXX is being ignored and may need further actions on my part.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MS)

*Security Card ( XXXX XXXXXXXX XXXX XXXX XXXX  Debt was paid in full *Midland Credit Management XXXX XXXX XXXX XXXX  XXXX Identity Theft
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

Dear Resurgent Capital Services, I am writing to follow up on my previous letter regarding the debt that is currently on my credit report. As mentioned in my previous correspondence, I did not receive any notification or validation of this debt, which I believe was sent to an old address of mine, located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 

I would like to bring to your attention that I have previously disputed this debt through XXXX XXXX, and the company responded that the " Account information disputed by consumer, meets FCRA requirements. '' This clearly shows that I have requested substantiation of this debt, and I have not received any response from your company. 

As per the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide written validation or substantiation of the debt within five days of their initial communication with the consumer. If a consumer disputes the debt, the debt collector must cease all collection activities until they provide the requested validation.

Furthermore, I would like to clarify that I have not lived at the address where the notification was sent since XX/XX/2020. Therefore, it is highly likely that I could not have received any notification regarding this debt sent to that address. 

Therefore, I am requesting once again that you remove this debt from my credit report, as I have not received the required validation from your company. I have attached a copy of my previous dispute through XXXX XXXX for your reference. 

Thank you for your prompt attention to this matter. 
All documents attached to show that matter was disputed, plus previous dispute attached. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.