davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

Hello, Toyota of XXXX did a hard inquiry on my credit report on XX/XX/2021. I was never present at this shop and did not give any consent for this. I was never even looking for a car! I have called them numerous times to try and have them explain themselves and handle it, however they always tell me some manager is going to call me back. I want this hard inquiry OFF of my credit history. I had no co tact with Toyota at any point about the interest of a car.
Consumer complaint received 2022-11-28
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. (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. 

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 has violated my rights. 

XXXX5 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 2021-03-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA XXXX XXXX Account for Auto Policy discontinued early XXXX Explained no vehicle. 

Spoke with representative and stated they would close policy and received refund from policy. Stated he would retract autopay. 

Received notification my auto/property insurance bill is ready XXXX XX/XX/2021. 

Identity theft/fraud on this account. 

Requested closure.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CCF Intermediate Holdings LLC (NV)

I have disputed this with the company before about reporting late payments to my credit profile. In accordance with the consumer law 15 USC 1666b ( Timing of Payments ). CASH1 did not send me notice no later than 21 days before the date specified in the statement by which payment must be made. I have not received the notice and therefore this has been a billing dispute. I have made CASH 1 aware about reporting late payments. Please correct this derogatory mark to a positive status.
Consumer complaint received 2023-06-02
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. (NC)

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


XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX XXXXXXXX -- - IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian 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 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 2017-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (NC)

On    XXXX   XXXX   XXXX     ,  Ability Recovery  reported a delinquent debt on my credit. I had no knowledge of this debt nor any information about where this debt originated, nor the time frame. It only appears through    XXXX   XXXX   .
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (FL)

I demand a cease and desist of all illegal activity pursuant to XXXX XXXX XXXX ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to XXXX XXXX XXXX ( c ) The failure of a consumer to dispute the validity of a debt under this section XXXX not be construed by any court as an admission of liability by the consumer. if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, down below I'm going to include the arbitration agreement we have
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-15
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)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (FL)

EQUIFAX USING 15 USC 1681A2 I didn't give written permission to have those accounts furnished on my report. 

Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNTS I NEVER OPEN OR APPLY FOR. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THERE IS XXXX INQUIRIES THAT I NEVER EVER RUN MY CREDIT FOR ANYTHING BECAUSE I KNOW MY CREDIT IS BUILDING NOW. 

AND THERE IS XXXX HARD INQUIRIES THAT I NEVER EVER PULL OR RUN MY CREDIT. 

XXXX. 
ALL THIS ACCOUNTS SAY CLOSE I NEVER OPEN ACCOUNT WITH THIS BANK. 
XXXX XXXX. 
XXXX XXXX 
XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX  NOT MY ACCOUNT 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 NONE OF THIS ACCOUNTS I EVER OWN IN MY LIVE. 

HARD INQUIRIES XXXX THAT I NEVER APPLY FOR AT ANYTIME.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

I tried to get in touch with company on many occasions never received a call from this company, they are reporting late payments which is false I assume since the representatives are working form home I maybe came across a few who couldnt assist me or did not want to. However this is the companys error of there however is a late payment I have never been late on a payment so its strange I now have a missed payment when the reps are working from home. Company has even admitted that they are reporting inaccurate information on my credit report and still has not fixed the issue
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (PA)

I am writing to dispute the following information this company supplied to my credit report. 
This contract that I signed with this company shows that included with my payments a full warranty was included for this vehicle. Exeter Finance did absolutely nothing to negotiate or even ensure that this dealership stood behind this contract. So in all fairness they were the parties who breached this agreement by refusing to do anything about this vehicle being in service for the issue a total of ( 7 ) times for an engine issue which began less than 30 days after I took possession of the vehicle. 

I was completely candid with them during the entire process and over and over they told me that they were just the finance company and there was nothing that they could do. When in fact this is far from the truth, I was paying for my warranty which was folded into my car payment so it was entirely their responsibility. Because just like the vehicle belonged to them so did the warranty that was not being honored and they had every right to step in and make sure that the dealership was actually making the repairs as promised. But they DID NOT. So they breached their own agreement by attempting to leave me with a vehicle that was immobile, a warranty that was virtually worthless and a car payment to a company that would not offer me any sort of assistance or support. 
There is no conceivable way to separate the cost of the warranty from the cost of the vehicle because they are both outlined in the agreement. However, Exeter wanted to act as if these were two separate entities and their only vested interest was solely in the vehicle and not in whether or not the dealership would fix it, honor the warranty or even trying to help negotiate a deal for a suitable replacement. So therefore they voluntarily voided the contract by condoning the actions of the dealership and not making them culpable for their actions. 

It seems as if its easier for them to attempt make me the pay for their contravention, by attempting to attach this inaccurate information to my credit report so that this debt follows me for 7 years. I am aware of the law, and I am well aware that they did not follow through with this legally binding contract as it stated. Therefore this debt should be removed from my credit report immediately. 

Please see attached documents that support this claim.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2017-05-02
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. (WA)

I sent a complaint on the  XXXX  of  XXXX  already, experian is the credit bureau that made a statement about  XXXX  Americans make debts and lie to get out of it. I have tried on numerous occasions to prove to experience this is not my bill. No money was left, there was no estate the person passed and before passing was on government medical and retirement a very small income. I myself is on the same income except mine is a   XXXX   and   XXXX    XXXX . There was no accidental or life insurance polices. Why and how any  XXXX  got my name and information was fraudulent. I 'm not responsible for this bill and because of the remark about  XXXX  Americans is unfair and is   XXXX   which is against the law.
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

My bill about {$450.00} & due XX/XX/2033. I pay {$250.00} XX/XX/2023. I tell them my check doesn't come till XX/XX/XXXX. It's now XXXX XXXX my bill is {$450.00} now. There is a 10 day late fee of {$30.00} or 5 % charge. They keep hitting me with this major late fee charge. Which leaves me no choices but to borrow more to pay that off. Because my checks fall on the following week. I'm supposed to being paying {$250.00} twice a month so I can pay off loan early.
Consumer complaint received 2022-10-10
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (LA)

I have no knowledge of this account the FCRA violations as following See 15 U.S.C. 1692 ( c ). 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person ( furnisher of information ) shall ( A ) conduct an investigation with respect to the disputed information ; ( B. review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C. report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records. Failure to preform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in Richardson v. Fleet and Nelson v. Chase Manhattan. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau. I have asked before for account validation and this has not been done please delete this false and illegal information from my credit report permanently and immediately this creditor has no legal right to report anything to any of the CRAS
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, 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. 



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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, 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. (TX)

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXXXXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2023-07-06
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: Bread Financial Holdings, Inc. (NV)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-06
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. (ME)

I reviewed my Consumer Reports and noticed that I had two late payments on an account for XXXX and XXXX of XXXX. Consumer reporting agencies have become extremely instrumental and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for payments on this account XXXX XXXX XXXX XXXX account number XXXX, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, XXXX XXXX