davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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 (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2022-12-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

15 USC 1681 States I have the right to privacy 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-07-23
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. (NY)

I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately.Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

inaccordance with the fair credit of a report act. the list of account below has violated my federally protected consumer right to privacy & confidentiality under 15u.s.c1681 XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Has violated my rights 15u.s.c1681 Sec.602 A. States i have the right to privacy.

15u.s.c sec.604A sec 2 also states a consumer reporting agency can not furnish a acc.without my writting instructions.

15u.s.c1681c ( a ) ( 5 ) sec.states no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse items of info.other them the records of convictions of crimes which antedates the report by more then 7 years 15u.s.c1681s2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has resonble cause to believe that the info is inaccurate
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stern Recovery Services, Inc. (NC)

a Delinquency showed up on my credit repot a few days ago from Stern Recovery services for {$290.00} supposedly opened on XX/XX/2022. Prior to this my credit report had all good standing and I have no idea what or who stern recovery is. i have not missed any payments on any of my bills and have no idea what this being reported is.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION ()

XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX, email : XXXX ) have business buy device to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, have email : XXXX ) who have bank account in XXXXXXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX they using domain email address almost same ) has send email XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to arrange the payment to : TRUIST Bank XXXX Texas XXXX. 

At XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX have transfer USD. XXXX to TRUIST Bank XXXX XXXX XXXX  with company name beneficiary bank as in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX info that they not receive any payment from us. And in this moment we realize that our email have been heck ( cyber crime ).
Consumer complaint received 2023-07-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I requested that a few accounts on my credit file with Experian be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The CBE Group, Inc. (SC)

This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2022-10-21
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. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; DEPTEDXXXX XXXX XXXX : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; {$120.00} ; XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX : {$6300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$15000.00} ; XXXXXXXX XXXX Date of XXXX ; XXXX Date of XXXX ; XXXXXXXX XXXX  Date of XXXX XXXX XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX Date of XXXX ; XXXX XXXX Date of XXXX XXXX XXXX XXXX A Date of XXXX ; XXXX Date XXXX XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of XXXX XXXX XXXXXXXX XXXX Date of XXXX ; XXXX XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XXXX Date of XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$120.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX of XXXX ; XXXX Date of XXXX
Consumer complaint received 2022-10-21
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. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; DEPTEDXXXX XXXX XXXX : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; {$120.00} ; XXXX XXXX Balance : {$5200.00} ; XXXX XXXXXXXX : {$6300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$15000.00} ; XXXXXXXX XXXX Date of XXXX ; XXXX Date of XXXX ; XXXXXXXX XXXX Date of XXXX XXXX XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX  XXXX A Date of XXXX ; XXXX Date XXXX XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of XXXX XXXX XXXX XXXX  Date of XXXX ; XXXX XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  Date of XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$120.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX of XXXX ; XXXX Date of XXXX
Consumer complaint received 2023-07-23
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. (FL)

It should be known that at current time, Experian Credit bureau is reporting a account named XXXX  under account # XXXX that has numerous errors and discrepancies that violate the F.C.R.A. and due process of federal law. Experian is also failing to report a accurate and complete report regarding this XXXX  account. A dispute was filed and assayed to be accurate and updated. Copies of the consumer 's Experian credit report along with his smart credit 3 bureau report are herein incorporated for all errors and incompleteness to be seen. The errors are as follows : 1. Days late under 7 year history says consumer was 90 days late four times. Contrary, under 2 year payment history, it shows the herein consumer was only 90 days late two times and not four. The only 90 days late were in XXXXof XXXX and XXXX. Of XXXX. Both can't be correct. One has to be incorrect. The consumer asserts he has never been 90 days late four times but only two! 2. Payment history begining from XXXX of XXXX until XXXX. of XXXX is missing and or absent making report incomplete. 3. Date of last payment is incorrect. On report it says XXXX. is XXXX of XXXX. Contrary, on two year payment history calendar, it shows date of last payment was made in XXXX of XXXX. Both can't be correct. Only one Date/Month for last payment can be correct! 4. Date account was closed is missing making report incomplete. 5. Date of last activity is missing making report incomplete. 6. Monthly payment amount is missing making report incomplete. 7. Date of first Delinquency is missing making report incomplete. 8. Terms are missing making report incomplete. All errors are in black and white and anyone should be able to see them.
Consumer complaint received 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

We received letter dated XX/XX/22 from BOA saying our escrow account doesn't include covering property taxes.We sent a response that day telling them the statement includes an escrow amount monthly of XXXX for taxes and insurance. The annual tax is XXXX The annual insurance premium is XXXX. Therefore BOA is escrowing for taxes. We advised them we were filing this complaint and asked them why they are deducting for real estate taxes and not paying the taxes. Since BOA is collecting taxes and insurance we told them they are responsible for paying the taxes totaling XXXX per annum. 
The monthly cost is XXXX per month. Now we get a response that BOA doesn't know who we are so we are filing this and sending another letter to them so they can't ignore our complaint.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

Your Name Your Address Your Phone Number Credit Bureau Credit Bureau Address Date RE : Request for Investigation of Credit Inquiry Dear Sir or Maam, I reviewed my credit report from Experian and noticed that the report has credit inquiries that I did not authorize or are from a business credit request that should not reflect on my personal credit according to consumer law and the FCRA. 
XXXX XXXX XXXX  -Business inquiry Inquired on XX/XX/XXXX XXXX XXXXXXXX-Business inquiry. 
Inquired on XX/XX/XXXX XXXX XXXX  Business inquiry Inquired on XX/XX/XXXX XXXX XXXX-Business inquiry Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX request you to investigate and remove the inquiries as soon as possible. In case you come across evidence that counters my claim, I request you to please send me a copy. 

Thank you for your diligence in looking into this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland credit management inc. is saying that I owe XXXX for XXXX Bank and I never used this company before. They sent me a letter stating that I will be subpoenaed on XX/XX/2019.
Consumer complaint received 2022-10-21
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. (SC)

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 Account # Not Available On Credit Report XXXX. XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX  XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a request for investigation under to TransUnion On XX/XX/2023 in reference to XXXX XXXX XXXX XXXXXXXX. 

I received a letter advising that TransUnion VERIFIED the information. Im curious as to how they verified this information and would like to receive PHYSICAL DOCUMENTATION to support this erroneous information on my report. 

FCRA States information reporting has to be verifiable and 100 % accurate otherwise must be removed by federal law. TransUnion has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report.
Consumer complaint received 2023-07-09
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. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have two cards with CapitalOne, and I made a {$150.00} payment and {$25.00} to each card. I just saw a past due fee on my card, XXXX, and I called in to get the past due fee waived. I was advised the {$25.00} payment was returned, and I paid it, but CapitalOne refused to waive the late fee. They blamed it on their system and showed no compassion when I told them I had lost my brother and I had a good record of payment. I spoke with XXXX, the account manager. I even asked if a customer has a lot going on and if there should be a way you can help.
Consumer complaint received 2022-10-21
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. (OH)

An accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received an cashier 's check from Capital one on are around the year of XXXX and had a very difficult time trying to cash it so I uploaded the check to my capital one mobile account with all correct documents and I reached out to them stating that my funds were never processed and they connected me to someone that stated that my account was no longer available due to the fact that I was being a victim of fraudulent
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.