davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Recently I found some account and inquiries which I neverautorize. For sure all of them are froud and must be remove frommy credit report as soon as you can. Please investigate andremove these accounts from my credit report or I will have torefer the matter to my attorney and take immediate legal actionagainst you. The constant judgments awarded against youcertainly demonstrate that courts are will not tolerate yourbullying tactics.I have made a lawful request of you to verify areport about me in my credit files. CC : Federal TradeCommission, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOffice of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Advocates for FairCredit Reporting Department of Banking and Finance
Consumer complaint received 2023-02-06
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 my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I was recently made aware that I was affected by the XXXX XXXX breach, and upon checking my credit reports I noticed inquiries that do not belong to me XXXXXXXX XXXX XXXXXX/XX/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 2023-02-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (MN)

I was reviewing my Credit Report and noticed some accounts were violating my rights in accordance with the Fair Credit Reporting Act Convergent. All of these accounts below have 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

1. Account Name : XXXX Account # XXXX 2. Account XXXX : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX
Consumer complaint received 2023-07-20
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

This fraudulent TOYOTA MOTORS account doesn't belong to me. I've been disputing it for over a year but XXXX and XXXX refuse to comply. They haven't provided any documentation validating this account. All they do is send me automated validation letters without merit. It's causing me great anguish, XXXX and XXXX thoughts. I've been denied approval for a home because of this account. Please remove immediately once and for all!
Consumer complaint received 2021-11-19
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX. I do not consent to e-oscar verification. XXXX XXXX XXXX furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended XXXX XXXXXXXX XXXX  no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by XXXX XXXX XXXX.
Consumer complaint received 2018-09-26
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)

This is not a duplicate. Please read below. According to the FCRA, negative information in my credit file is subjected to a thorough investigation. Again, this information has not been verified to be true. 

In a previous complaint I disputed account XXXX which was a XXXX XXXX account financed through XXXX XXXX. I apologize for getting the account information incorrect. This account was paid and settled as the manager adjusted the price for the furniture like I said in previous statements. 

However, the problem is with the account XXXX with XXXX XXXX XXXX financed through XXXXXXXX XXXX. This information is completely incorrect. I have asked the 3 credit reporting agencies to look into this matter and re-investigate and they have not. For some reason they keep sending me a credit card statement in the mail, however, they have not been able to provide substantial evidence that these purchases were made by me. Where is the original invoice with the items listed? I have no idea what was even purchased. I have yet to be provided with any supporting documentation that shows my signature or a promise to pay agreement with XXXX or XXXX XXXX XXXX. It is very discerning that XXXX would be allowed to report incorrect information to the 3 reporting credit agencies and sell it to a collection agency. 

In 2017, XXXX actually investigated and found this account to be incorrect and deleted from my credit report. Attached you will find a letter supporting this. Moreover, XXXX has not removed this account from my report. I am truly distraught by this negative information and the impact it is having on my credit file.
Consumer complaint received 2017-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stallings Financial Group, Inc. (NV)

This is my third complaint about Stallings Financial. I am providing their first response they provided to CFPB where they said they acquired this account on XXXX and sent correspondence to XXXX XXXX XXXX, XXXX Ga etc. Now they responded saying they sent notices on XXXX. I am also providing a rental agreement showing that I live in XXXX XXXX and my current address as of XXXX/XXXX/XXXX. Prior to this address, I was living at another XXXX XXXX address. As I stated before, I did not get mail to dispute this account. Please investigate their false statements. This company is difficult to deal with and I have informed them of my move and not receiving any mail from them to dispute this account in the amount of {$220.00} from XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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.

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 2022-05-23
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. (MI)

Inaccurate Personal Information! 
I have been calling since XX/XX/2022 after being denied for rental property! I got letter stating that they can not pull my Credit Report nor obtain Score from Equifax, maybe due to Fraud Alert. Upon receiving letter I call Apartment Leasing Office and explained how that can't be because I do not have a fraud alert on my report. They informed me to call Equifax and try to get problem resolved. So I figure I'd try to look up my report myself and nope theres no report nor score, EQUIFAX isn't reporting any of my information! 1st call XX/XX/2022 I explained my concern and agent reassured me there was no alert nor freeze on my report. She said she would file dispute on my behalf to report problem with website! That's not what I explained was the problem but ok. I call Leasing office and pay another application fee {$50.00} to have them try again ( so now I'm out of {$100.00} ) ..she informs me samething happens. 2nd attempt to Equifax XX/XX/2022 this time they said I have an alert on my report and askes if I like to remove..now I have never asked alert to be placed!!! Furious at this point I need to know the accuracy of my Personal Information because something isn't right..She gave me so many inaccurate Addresses and I then tell her I have 1 ONE address thay needs to be on file and to update please! I give him information and he says it was taken care of and I should be able to get report! Again epic Fail! I am just trying to move, This goes on til XX/XX/2022! Called and yes I am upset and immediately ask to speak to a Supervisor only! Too many agents and noone is understanding what I am saying and instead of getting progress they are making matters worse! I get Supervisor on the line and again explain issue..she informs me theres no Fraud alert but I have been LOCKED OUT OF MY ACCOUNT BECAUSE OF FRAUDULENT ACTIVITY..wth how and by whom..Myself I ask? She says she can not give me any information but to send in certified mail or fax stating problem with copy of my License and SSC! I did both. XX/XX/2022 I receive " Updated '' Credit Report and before opening the address on front is wrong!! Personal Information still not updated and showing inaccurate information.
Consumer complaint received 2021-11-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (MD)

I was notified of legal action taken against Ally Financial. All XXXX credit bureaus are still reporting this debt on my credit report. All payments were to stop and I thought it should be removed from my credit reports. XXXX is reporting payments made and there has not been. Should this debt be removed from my credit reports?
Consumer complaint received 2019-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

I would like to obtain documentation showing the transfer of my AES note, transfer letter and chain of custody of my loan, etc. 

AES states they are not obliged to possess the chain of custody documents which transferred the ownership from the original owner.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

I disputed a charge of {$520.00} from a vendor that rented me an apartment for a vacation rental. Barclays has never addressed the points of my dispute. Instead that just keep saying they can't override the vendor terms and conditions that I agreed to. But, they have never provided proof that I agreed to the terms and conditions.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (CO)

I enrolled myself in a work-out program with a reduced interest rate. Part of this program is the requirement for automatic Debit payments. Last year they " accidentally un-enrolled '' me from automatic payments. Then realizing their mistake they put me back on the automatic payments. Now this year they have un-enrolled me from automatic payments again and now say I have missed three payments that I never should have missed. I did not cancel the automatic payments, I should not have to pay a penalty because of something they did.
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union ( NFCU ) claims that I, the sole owner of real property in XXXX California, gave XXXX XXXX XXXX, aka XXXX XXXX and XXXX XXXX XXXX. an interest in my property. NFCU presented a Title signed by me in XX/XX/XXXXplacing XXXX XXXX on title. 

NFCU failed to inform me of my rights as to the loan NFCU held on my real estate property. NFCU lied about the terms of the loan and is now covering up the misdeeds of the Credit Union. 

NFCU has asserted that the title allows NFCU to provide a loan to XXXX XXXX solely in his name. NFCU acknowledges the real property solely belonged to me, XXXX XXXX. Although, NFCU supposedly has this title with XXXX XXXX 's name, NFCU has refused to show documents that allowed XXXX XXXX sole ownership of the loan, or has refused to show any documents where I, the sole owner of the property authorized XXXX XXXX to be the sole owner of the loan. 
My name is also on Title. 
NFCU violated Federal and State lending laws, laws that prevent predatory lending, laws that prevent gender and racial discrimination by refusing to allow me to pay the loan and prevent foreclosure of my home. 

NFCU denied me, XXXX XXXX, the sole property owner of XXXX XXXX XXXX, XXXX, CA to inform me of my rights and possibly conspired with XXXX XXXX XXXX to carry out an embezzlement scheme. NFCU allowed and/or participated with XXXX XXXX in stealing my property. NFCU along with XXXX XXXX has used this " title '' to foreclose on my property and provides no other document where I have waived my rights to pay the loan or have access to the entire folder of loan documents. 

NFCU feigns cooperation. NFCU is working with XXXX XXXX to intentionally delay providing loan documents as one of many tools and strategies for this crime to go undetected. 

NFCU has failed to show documents showing that I, the sole owner of the real property they foreclosed and sold, signed any waiver of my rights to pay the mortgage. 

Because NFCU repeatedly refuses any and all my requests for documents concerning the loan NFCU issued solely to XXXX XXXX, this is a request for any and all documents signed by me, XXXX XXXX waiving my right to pay the mortgage issued approximately in XXXX or XX/XX/XXXX on the XXXX, California property. 

Additionally, this is a request for the entire XX/XX/XXXXloan documents file, in addition to any documents that clearly show I waived my rights to pay the loan. I am also on Title. 

I also ask that any delay or continuance requests by NFCU are denied because they have the loan documents and file readily available and readily accessible. 

Thank you for your assistance.
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 — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (TX)

Reflecting lates on credit report. 

In compliance with the fair credit reporting act this creditor has violated my rights. under 15 USC 1681 section 602, states I have a right to privacy 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditorI may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (NC)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MO)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the XXXX  major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2021-11-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Here are the inquires that are my credit profile that I didn't authorize Bank of America - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/2021 XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXX, XXXX, TX XXXX, Subject : Dispute of Inaccurate Information on My Credit Report I am writing to dispute inaccurate information that is being reported on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically Title 15 U.S.C. 1681-1681x. Upon reviewing my credit file, I have identified discrepancies that do not reflect my true financial history. I request a thorough investigation into this matter and the prompt correction of any errors present on my credit report, as required by federal law.

Details of the Inaccurate Information : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX ] Inaccuracy : [ Describe the specific inaccuracy, such as incorrect balance, late payment, account not belonging to you, etc. ] I want to emphasize that the inaccurate information reported on my credit report is in direct violation of the FCRA, which mandates that consumer reporting agencies maintain accurate and complete credit reports. According to Title 15 U.S.C. 1681s-2, credit reporting agencies are required to investigate disputed information and correct any inaccuracies promptly.

In accordance with federal law, I kindly request the following actions : Conduct a comprehensive investigation into the accuracy of the disputed information.

Verify the legitimacy of the reported information and provide documented proof of its accuracy.

If the information is found to be inaccurate, promptly correct the information on my credit report as mandated by the FCRA.

I expect this matter to be handled with the utmost urgency and compliance with federal law.

Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the inaccuracies on my credit report. You may reach me at [ XXXX XXXX XXXX ] or via email at [ XXXX XXXX XXXX ] if you require any further information or documentation regarding this matter.

Thank you for your prompt attention to this dispute, and I anticipate a swift resolution in compliance with federal law.

Sincerely, [ XXXX XXXX ] [ XXXX XXXX  if sending via mail ] Enclosures : [ List any documents or supporting evidence you may have related to the inaccurate information, if applicable ]