davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below, and even though I had talked to representatives last month when the errors occurred. The rep of Toyota told me last month that they will remove the late mark on my credit due to internal errors and only to find out that this month they applied the payment wrong again. 

LATE MARK ON : XX/XX/XXXX & XX/XX/2018. 

I am not sure how this happened, I believe that I had made my payments correctly to you when I received my statements.
Consumer complaint received 2022-02-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2020-01-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-12-13
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: Experian Information Solutions 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 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 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 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 2022-12-13
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: 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 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 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 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 2022-02-22
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: Experian Information Solutions Inc. (OH)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. I demand that these inquiries, collections, and accounts be removed from my credit profile immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2800.00} Account Number : XXXX Delete from my credit report. XXXX XXXX XXXX - {$0.00} Account Number : XXXX Delete from my credit report. XXXX - XXXX XXXX XXXX  - {$490.00} Account Number : XXXX Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXL - XX/XX/XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : XXXX XXXX - XXXX, XXXX XXXX - XX/XX/year>
Consumer complaint received 2023-06-05
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. (NE)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 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 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 2023-06-04
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. (VA)

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 : APPLIED BANK, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : 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 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 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

I was offered XXXX bonus points if I signed up for the Amex platinum card and spent XXXX USD in 3 months. I signed up for the card and was approved. There was no notice that I was not eligible for the XXXX bonus and in fact I was told that I was eligible approximately three times by Amex employees in 2019 in multiple phone calls ( these should be recorded ). I was told that I hit the goal and the points would be added to my account in six to eight weeks ( was told this on multiple occasions by Amex on recorded calls in 2019 ). 

In the past week I was told that I was not eligible for the bonus even though I was approved, was told that I was eligible multiple times by Amex employees, I hit the spending target within three months ( confirmed by amex employee on recorded call ), and I paid my bill in full. 

Amex managers have been unhelpful so far unfortunately. My personal account is in good standing.
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I, XXXX XXXX, am verifying that I, 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 at :
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

As of XXXX XXXX my payment has not posted on my account.I am with the HAF program Home Owners Assistance Fund thru the Federal Government.

I checked with my local HAF department in the state of Florida and payment sent out XXXX XXXXI would like for them to find my payment amount and post this before the end of XXXXXXXX XXXX..If not posted by then I am subject to a 30 day late notice on my credit report. This is a federal government program so a 30 day late report to the credit reports should not take place.It seems every month I have to send a report so they can track this payment and get it posted on time.I value my credit report and if they can just be more proactive and get this payment that they know comes every month and get it posted on time by the end of the month.
Consumer complaint received 2020-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I received a default request in XXXX from XXXX XXXX XXXX, law firm, on behalf of MRC Receivables Corp regarding a debt initiated by my ex-wife. We have been divorced for over 26 years. Originally I didn't know what the debt was so I sent them a letter stating I was not aware of the debt. They responded with an assumed Debt Validation Form listing creditor XXXX XXXX  XXXX. The address on the so-called form was not where I shared a residence with my ex-wife. 

Each year just prior to income tax filing, I receive a Request and Writ for Garnishment of a state income tax refund. I am a XXXX veteran who have not had steady employment for over 26 years thereby have not filed an income tax return. I have sent numerous responses and explanations to this law firm with no positive results. Due to their consistent threats, I filed a grievance with the Attorney Grievance Commission against them. 

On XX/XX/XXXX I informed them of my rights and that the statue of limitations for filing judgments in the court system in Michigan is against the law. They responded on XX/XX/XXXX stating " MCL 600.5809 ( 3 ) provides that the statue of limitations for a judgment is ten years. Additionally, this statue allows the judgment to be renewed for an additional ten years upon timely application -- a motion to renew the judgment was filed on XX/XX/XXXX. '' Companies involved are : MRC Receivables Corp and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX I have copies of all these transactions. They are suing me for {$2100.00}. Please help.
Consumer complaint received 2022-02-22
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. (MD)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions.
Consumer complaint received 2020-01-14
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. (OH)

There is an account on my credit report listed as XXXX XXXX XXXX Account XXXX. The creditor provided conflicting documentation regarding the balance and is not able to verify the correct balance for the account. This documentation was provided to Experian. However, Experian 's response to the dispute is as follows : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Experian disregarded the evidence submitted in my dispute and simply sided with a response from the creditor. This is clear violation of the Fair Credit Reporting Act. 

The account can not be validated for the following reasons : 1. XXXX XXXX has documentation claiming repossession costs are {$250.00}. However, XXXX XXXX has documentation showing {$370.00} of repossession costs were added to balance. 
2. XXXX XXXX has documentation that shows a credit of {$77.00} was issued to balance for cancellation of GAP insurance. However, the credit does not meet terms of contract provided by XXXX XXXX. Note that 12 months of insurance was not used, therefore a credit of {$140.00} would be expected. 
3. Experian is reporting 3 charge offs for one account on my credit report. The account was not charged off 3 times. 

Please see enclosed documentation, which proves the balance can not be validated and that 3 charge offs are not correct.
Consumer complaint received 2023-01-17
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. (IL)

I sent a Letter on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I REVIEWED MY CREDIT REPORT AND I NOTICE THAT MY PERSONAL INFORMATION ARE INCORRECT. 
I TOOK ACTION AND SENT A DISPUTE. IT HAS BEEN XXXX  DAYS AND THE INCORRECT INFORMATION ARE STILL IN MY CREDIT REPORT. 
THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 
PLEASE DELETE INFORMATIONS
Consumer complaint received 2022-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IN)

Attempted multiple times to call customer service. Each time waited 3+ hours, disconnected a couple time when a person answered and disconnected. I have submitted all my information for the PSFL and no response and unable to reach customer service. No updates online.
Consumer complaint received 2023-06-02
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.