davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Hi. I bought out my XXXX XXXX XXXX lease from Toyota Financial Services. They received my check of ( XXXX $ ) on XX/XX/XXXX, and closed my account. Before this my monthly payment deadline used to be the XXXX. This month I saw that they have reported to all 3 credit agencies ( XXXX, XXXX, XXXX ), that I have missed my XXXX, 2023 monthly payment and as a result my credit score has dropped XXXX to more than XXXX points across them. I am trying to buy a home now and this has almost made it impossible for me to go ahead on this now. I sincerely request your help to hold them accountable and rectify this mistake as soon as possible. 

Thank you.
Consumer complaint received 2023-10-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NJ)

I have an XXXX XXXX XXXX XXXX  managed through Comenity Bank. I've never been late with a payment and have enrolled in automatic payments direct from my checking account. The XX/XX/2023 payment was missed due to NSF 's since a lot of payments hit at once. I never received an email letting me know this happened. Instead I received XXXX calls in XXXX hours in one day from XXXX - XXXX during my weekly work meeting, XXXX days from when payment was due. All for {$51.00} When I had the chance to finally pick up, I told the rep how aggressive and overkill it was to call that many times. I went on line and made the {$51.00} payment. The phone continued to ring after that. For crying out loud! Really? 

Thank God for XXXX in XXXX programs. In with XXXX in XXXX and out with the old revolving debt card.
Consumer complaint received 2023-04-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly remove the following items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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)

PLEASE VERIFIQUE THESE ACCOUNTS, BECAUSE THE INFORMATION IS INCORRECT, AND THESE ACCOUNTS IS NOT MINE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

PHH has miscalculated our property tax on multiple occasions, which has lead to large fluctuations in our monthly payment. For example, the 2023 XXXX payment was {$750.00}, and the 2023 XXXX payment will be approximately {$1600.00}. This has made it very difficult to budget our monthly expenses.
Consumer complaint received 2023-10-13
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. (FL)

PLEASE VERIFIQUE THESE ACCOUNTS, BECAUSE THE INFORMATION IS INCORRECT, AND THESE ACCOUNTS IS NOT MINE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I wrote to Chexsystems in order to dispute some inaccurate personal information being reported on my file on XX/XX/2020. There were old phone numbers that do not belong to me listed in my file as well as addresses at which I do not currently reside. There were also misspellings of my current address that were missing my apartment number. On XX/XX/2020, I received their response. ChexSystems responded by saying that the information could not be removed because it was either given to them by me or reported by other sources. However, they did not address whether the information was accurate or inaccurate. They just refused to act. They can not maintain phone numbers in my file that do not belong to me. Any phone number at which I can not be called is inaccurate and irrelevant to anyone obtaining my report. The same is true for the misspelled or incomplete addresses they have listed. I honestly can't believe they are making it this difficult to correct my personal information.
Consumer complaint received 2023-10-13
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/2023 Subject : Urgent Request to Remove Inaccuracies from Credit Report Dear Sir/Madam , I am writing to urgently request the removal of inaccuracies from my credit report, as maintained by [ Credit Bureau Name ] . The presence of these inaccuracies, which exceed 10 in number, is significantly impacting my ability to secure a mortgage for my new home. My mortgage company has highlighted these discrepancies as a major hindrance to my home financing. 

In accordance with 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the expedited removal of any incorrect information from my credit report. I am exercising this right and urge your prompt attention to the following inaccuracies in my report : 1. Date Opened : The dates are incorrect and inconsistent. 
2. Balance 2 : The amounts are inaccurate and inconsistent across all records. 
3. High Credit : The reported amounts for all three credit reporting agencies ( XXXX, Experian, and XXXX ) are incorrect. 
4. Credit Limit : The reported credit limits are inaccurate and erroneous. 
5. Past Due 5 : The past due amounts vary among the three credit reporting agencies.

6. Payment Status : The payment status is showing different days.

7. Last Reported : The reporting dates are inconsistent and differ across the three agencies.

8. Date Last Active : The date of last activity is showing discrepancies in days, months, and years.

9. Date of Last Payment : The reported dates are entirely different and not accurate.

These inaccuracies have immediate and profound consequences for my financial goals, particularly my pursuit of homeownership. I implore you to expedite the resolution of these inaccuracies in line with the FCRA.

I respectfully request that you promptly investigate and verify the information contained in my credit report and take the necessary steps to correct or remove any inaccuracies. Given the urgency of my situation, I kindly ask for immediate attention and action.

To facilitate your investigation, I have attached copies of the documents that support my dispute, including [ List any supporting documents you are attaching ].

Please be aware that the FCRA mandates the completion of your investigation within 30 days. However, I urge you to expedite this process due to the significant impact these inaccuracies have on my financial prospects.

I anxiously await your prompt resolution of this matter and expect written confirmation of the results of your investigation, as well as a copy of my updated credit report, as soon as possible.

Your expedited assistance is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-10-13
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. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

I received a notification from Equifax telling me of their federal obligation to offer me a free copy of my credit report because of more than 8 inquiries or negative information. The instruction is worded as follows : " ... or visit www.equifax.com/fcra and select the option for Free State Credit File. '' There is no Free State Credit File option on Equifax 's website and when I type that phrase into their help, it finds nothing. 

This is not a complaint for follow-up with me, but rather notifying you of the misleading instruction that could lead to confusion for many, thereby not really fulfilling the intent of the legal obligation.
Consumer complaint received 2023-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (TX)

I have communicated to OneMain Financial that I was a victim of an internet scam. My funds including my loan were stolen through the scam. I filed a report locally and federally. The scam has ruined my life financially. I am trying to catch up on my bills and other areas of obligation. They said they didnt have any resolution for me except deferring the payments temporarily. I recently received notification that my request to lower the payments permanently was denied. I can no longer afford to pay off this loan. Im aware of the negative impact it will have on my credit history. I dont have a choice as long as my case is an ongoing investigation with no guarantee my funds would be recovered. Since confirming they couldnt assist me in my unique matter, theyve begun to call me relentlessly. Today OneMain Financial crossed the line by contacting my employer. My employer is not a form nor main contact option in my profile. My employer doesnt have a direct line. All calls are directed XXXX XXXX XXXX. They proceeded to pose as a client for my employer requesting I contact them. XXXX XXXX proceeded to send a highly visible email to my location that is seen by my team that I manage revealing a client from OneMain Financial is trying to contact me. I want to cease and desist all contact with OneMain Financial. They are harassing me. Ive accepted my financial crisis and Im trying to resolve my debt in order. If my debt reaches collections then I accept. I can not afford to keep up no longer. Thats my prerogative. I do not want to be harassed or my financial strife exposed at work. I feel extremely violated.
Consumer complaint received 2022-10-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-10-13
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)

Initially XXXX XXXX furnished Experian with an address that I was unfamiliar with. I discovered the problem during the month of XX/XX/XXXX. Because the address was unbeknownst to me, Experian refused to provide consumer reports to potential creditors during the pandemic and even now placing me and my family under undue economic duress. I was denied phone access and online access because I was ignorant to what was going on. No one would help me, until a kindred spirit, who worked for Experian, finally decided to enlighten me about an address that XXXX XXXX reported to Experian. These actions have interfered with my ability to purchase a home, procure financing, loans, and lines of credit that would have otherwise ensured my advancement in life. 

Experian had me mail in specific documentation to verify my identity and confirm my address several times during the course of three years, while continuing to deny potential creditors access to the consumer file. Experian stated that their respective inquiry was being disputed and that's why several potential creditors were denied access ; which was odd considering that the inquiry wasn't accepted. It later became an information issue with the same address that I had previously disputed. My dispute was disregarded, despite providing proof, because XXXX XXXX said that my address was something else. I was told that the address had been deleted & updated, ; however, this turned out to be a half truth. The Experian rep said that the addresses were deleted and updated on the Credit Report that was sent to me, but not in their system because a potential creditor was denied the consumer report XX/XX/XXXX. 

On XX/XX/XXXXXXXX  I went to Experian.com and disputed the phone numbers, addresses, and other personal information. I did not dispute my current address, but Experian deleted it anyway and now they're stating that I don't have access to the consumer report because my information doesn't match their customers or alleged creditor 's information. 

Before Experian locked me out again, I saw that it had entered new erroneous personal information even after a number of disputes and me providing verifiable proof. Experian added this inaccurate information and locked me out of the account while I was attempting to dispute the new phone numbers that appeared out of nowhere. 

I believe that this was retaliation because I also presented FCRA 15 USC section 1681a 2 ( A ) ( i ) to XXXX  XXXX and Experian XX/XX/XXXX disputing the illegal late payments that they've been reporting. I requested that they reverse those transactions, so they would read OK or PAID AS AGREED on the consumer report.
Consumer complaint received 2023-10-13
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)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights. 

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late. 

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system. 

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter. 

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue