davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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: Muskegon Car Credit, Inc. (MI)

On XX/XX/XXXX I participated in an " AUTO LEASE '' transaction in the amount of {$22000.00} with Orbit Leasing, LLC of Wyoming, XXXX with an option to buy. I was provided with a form to OPT-OUT of having this transaction and experience shared, TRAFFICED, furnished, provided or reported to ANY non affiliate of Orbit Leasing , LLC dba XXXX XXXX. On XX/XX/XXXX I utilized the form provided by filling it out, signing it and mailing it to Orbit Leasing, LLC via CERTIFIED mail green card return receipt requested, along with a notarized written communication. On XX/XX/XXXX, ORBIT LEASING LLC committed " identity theft '' by in-fact reporting my transaction and experience with them in violation of 15 USC 1681 ( a ) 2 ( A ) ( i ). and 15 USC 1601 ( a ) as it has resulted in injury and actual damages to me in the form of increased cost and denial of accounts.
Consumer complaint received 2022-12-14
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. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$5400.00}, XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$11000.00}.
Consumer complaint received 2017-05-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Sometime in   XXXX   XXXX   XXXX    , I was informed of consolidating my loans through a company called  XXXX   XXXX   XXXX  via a radio ad.     My first interactions were with  XXXX   XXXX , a representative of that company. He stated that the repayment of my student loans could potentially be reduced to "  0 '' f or 240 months if my income fit that repayment plan that was being offered.     He requested information that included paystubs from the last 30 days of employment. I sent that information via email. His contact information is as follows- Email :  XXXX  XXXX  XXXX ,  XXXX  :  XXXX  or  XXXX  ex.  XXXX . He is an   XXXX   XXXX   who forwarded my information to another person named  XXXX   XXXX .      XXXX   XXXX , a student loan processor for the company, then requested the first  XXXX  pages of my tax return. His contact information is as  XXXX   XXXX  :  XXXX  Phone :  XXXX  -  XXXX  All of this information was forwarded between  XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  received my tax information on  XXXX .      XXXX   XXXX  was the next company that contractually binds me for services that could be offered for free. They have me paying back $  XXXX  for their loan that amounts to around {$1400.00}, which is payment to the  XXXX   XXXX  Loans for consolidating my federal student loans. They have all of my information, including my social security number.     Loan Hero can be reached at :     XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX  La  XXXX , Ca  XXXX   XXXX
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I have a Citi XXXX credit card and used points for an XXXX e-gift card. They have repeatedly sent ones with invalid codes. Each time I try to redeem it, it says Error- this code has already been redeemed. THREE times now. I have wasted hours on chat with them and they do nothing to resolve this except sending new ones with invalid codes. I think its ridiculous they cant verify a code is valid before sending it, or just give me the points back as requested. I have been a customer in good standing for years.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FC HoldCo LLC (IL)

Over the past Three years, I have trying to get this information removed from my report at XXXX. I have made over 10 complaints ' with CFPB that XXXX only updates the incorrect information instead delete it as XXXX did after investigations of the matter. I am Demand them to Delete the account it has been over seven years of incorrect information. They have stretched the law for seven years
Consumer complaint received 2024-03-30
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. (CA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 XXXXXXXX XXXX XXXXXXXX XXXX, 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2023-02-07
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. (NY)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 The following have continued to be violated repeatedly : 15 USC 1681 Section 602 A I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 5 1681b Permissible purposes of consumer reports.

15 US C 1681 section 604 A section 2 States a consumer reporting agency can not furnish a account without my written instructions. 
REMOVE IMMEDIATLY FROM MY CREDIT REPORT. NOT INVESTIGATION HAS EVEN TAKE PLACE YET YOU CONTINUE TO TO UPDATE STATUS AS COMPLETE. 

LEGAL ACTION WILL BE TAKEN.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX CARD XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I leased a car with  Toyota Finacial Services.  I turned the car in   XXXX   XXXX  . I received a final bill for a lease turn in fee for  XXXX . I paid the  Bill  on  XX/XX/XXXX  for the amount of  XXXX . I heard nothing fromToyota until   XXXX   XXXX   XXXX  , when I received a collection Letter from   XXXX   XXXX   XXXX   XXXX  . I contacted Toyota and they said they started an investigation. I contacted  XXXX  to ask for a copy of the cashed check.  XXXX  told Me  Toyota ret urned payment on   XXXX   XXXX   XXXX  . I sent another  Electronic payment to Toyota  on  XX/XX/XXXX . I called  Toyota to  verify payment where they forwarded me to  XXXX   XXXX   XXXX  on  XX/XX/XXXX .  XXXX   XXXX   XXXX  tried to Verify Payment with  Toyota Financial Services  and they still claim no payment received. I have included  XXXX  files number  XXXX  joint account in which I share with my son  XXXX   XXXX . The  4th pa ge shows the electronic payment made to  Toyota on    XX/XX/XXXX . The second file is a message from  XXXX  that sho ws Toyota sent  back payment. The third file is the payment made once again t o Toyota Finacial Services  on  XX/XX/XXXX . If you have any questions or need additional information please let me know. I have also disputed claim with  XXXX   XXXX   XXXX  by certified mail.
Consumer complaint received 2022-11-22
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$250.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00}
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In 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 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I looked at my report recently and notice an account wasnt reporting accurately. I already asked to investigate and received a letter sent back addressing someone else, the letter i received back had someone else 's name on there. That is not me, I was told that they were unable to locate a credit file in they database with the identification information i provided. I sent My Drivers License, along with my SSN, and Proof of address. Everything matched. I will attach picture of the letter i received from them, along with a screenshot of the account on my credit profile.They addressed the wrong person, or got someone else 's account on my credit profile. Please investigate.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX Account XXXX : XXXX and 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 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 2022-11-22
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

I purchased a carseat last  XXXX  at a Target store using my Redcard ( Target credit card ) for $  XXXX  did not get any statement in my mail box for a month then request to get it through email because i did not want to miss my payment date since i was going to travel abroad.Finally i called to make payment on  XXXX / XXXX / 2017  and told the customer representative that i could not pay online.Payment of the balance   XXXX   XXXX  was processed with no late fees since the due date was  XXXX  2017.I  was shocked to get an email in  XXXX  after 2 months stating that i have a balance of   XXXX   XXXX   I  thought it was a victim of fraud then i called the customer service and find out it was late  fees.The lady  i talked to did not listen to  me.She  told me to pay.I insisted it is an error that i was not notified to pay late fees which i would have payed and asked to close the account. I got another email a couple weeks ago with a balance of   XXXX   XXXX   I  decided to call again last monday to ask what is going on and the representative transferred me to her supervisor.I explained the situation that i called in  XXXX  when i got the email and he told me it is too late to wave the fees.Today balance is    XXXX   XXXX  .You c an check my credit history, i have discipline in my expenses and payments.   Please help me with that issue.   Thank you.
Consumer complaint received 2024-03-30
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. (TX)

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-11-17
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. (SC)

Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a 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 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-27
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. (IL)

XXXX been trying to ger this corrected since XXXX of this XXXX and keep getting ame response from transunion that they are sending me coppy of my report and i have to be more specfic i cant be more specfic then stating what i do XXXX and XXXX got it after i sent it to them transunion is only XXXX who hasnt im filing a consumer report again i included it and list of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX all these are fraud and should be treated as such