davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota motor financial reported to my credit 30 day delinquent my score went from XXXX to XXXX. I called toyota they said the account has never been late and they did not report it as late and that the account is not delinquent. I asked why did they put it on my credit. She said her system shows they didnt, but XXXX was only 28 days and thats why it would show up delinquent. This makes no sense because 1st she says they didnt do it, there is no delinquent, then its dispute it, then oh XXXX is 28 days and thats why it was reported delinquent Please help me I went from XXXX to XXXX for NOTHING. And they wont help me
Consumer complaint received 2017-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX is fraudulently reporting my account as a collection charge off to the credit bureaus. I have asked for proof from both the credit reporting bureaus and the furnisher of the reported information. Not only have my request been met with zero proof, the time frame far exceeded the FTC investigation times. I have asked that this item be removed from my report as it is not verified nor, factual. Nothing has been done regarding this matter ( disputed 6 months ago )
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

In XXXX I sent my ID, SS card, utility bill, FTC Report, and a police report to Experian and XXXX to remove several inquiries that were created fraudulently. Both companies removed a few items but failed to follow the law and remove all of them. 

Experian failed to remove : XXXX XXXX - XXXX XXXX failed to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-03-15
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)

I didn't authorize these Inquiries and I am not benefiting from these Inquiries. 
XXXX XXXX Inquiry date : XX/XX/XXXX, 2021-EXPERIAN. XXXX Inquiry date : XXXX XXXX, XXXX, XXXX  Inquiry date : XX/XX/XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX date : XX/XX/XXXX -XXXX  XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I didn't authorize these Inquiries and I am not benefiting from these Inquiries. 
XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX. XXXX Inquiry date : XXXX XXXX, XXXX, XXXX  Inquiry date : XX/XX/XXXX, 2021-EQUIFAX. XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX date : XX/XX/XXXX -XXXX  XXXX
Consumer complaint received 2022-03-15
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. (AR)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-03-15
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CT)

I found out today, XX/XX/XXXX, that my credit and social security number may have been compromised during a data breach at Equifax that occurred on XX/XX/XXXX. Not only did they NOT let consumers know of this breach until yesterday, XX/XX/XXXX, they advertised a site that they set up where we could check if our data was breached and sign up for a protection service.
I went to this website, www.equifaxsecurity2017.com, and they required that I fill in vulnerable info ( part of my SSN ) and my last name. Then I received a message that my info may have been breached and to come back on a later date to sign up for their credit monitoring service, which would only be free for one year.
They did not let me set it up to automatically protect myself, nor did they concretely tell me if my info was compromised. When I called, they recommended I sign up for their XXXX/mo monitoring service, DESPITE advertising free protection.
Consumer complaint received 2022-05-05
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX, & XXXX XXXX BANK 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose EQUIOFAX CONTINUES TO REPORT THESE ILLEGAL LATE PAYMENTS I AM DEMANDING THESE LATE PAYMENTS REMOVED ASAP. MY NEXT STEP WILL BE THROUGH LITIGATION IN THE COURT.
Consumer complaint received 2022-03-15
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. (LA)

I took a title loan in XX/XX/XXXX and paid it on XX/XX/XXXX. About a week ago I got an alert from Experian about being on collections. Debt XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. I have emailed them so many times asking to remove it. I gave sent proof that the debt was paid. XXXX XXXX told me that they did not sell my account because it shows XXXX balance. XXXX after seeing my documents refused to remove it. They want me to pay {$400.00} and I think this is fraud. The name of the owner is XXXX XXXX. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, La XXXX. XXXX XXXX. Reference # with XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I attempted to sign up for initial fraud alert on TransUnion 's website. After entering more of my information than I wanted to, the website informed me I would need to call their number to complete the alert. I then had to call them, giving them access to my phone number, which I did not want them to have.
Before allowing me to submit the alert, they forced me to wait through several minutes of marketing about their identity theft protection product. There is an initial short ad, which I indicated I did not want, and then a much longer ad.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (HI)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PRIVATE PERSONAL SOCIAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITUTIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 

SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
AT PRESENT IT IS REQUIRED THAT UPON YOUR FAILURE AN INABILITY TO VALIDATE THE FOLLOWING INQUIRIES AND WITH A WRIT OF INQUIRY OR LETTER OF AUTHORIZATION OR LETTER OF ATTORNEY EACH BEARING ORIGINAL WET INK SIGNATURES FROM MYSELF THE EXECUTOR, THE INFORMATION IS TO BE DELETED AND EXPUNGED FROM THE CONSUMER CREDIT REPORT WITHIN TEN ( 10 ) CALENDAR DAYS. NOTICE OF INTENT TO LIEN FOR CONSTITUTIONAL VIOLATIONS AND CRIMINAL RACKETEERING VIOLATIONS AS PER 18 U.S.C. 1962 AND 1963 PURSUANT TO 15 U.S.C 1 & 3 & 13 IGNORANCE OF THE LAW IS NO EXCUSE FROM THE LAW. SANS RECOURSE.
Consumer complaint received 2017-09-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (SC)

I received a letter from Navy Federal Credit Union stating that I was eligible to receive a redress payment in the amount of {$870.00} for my consumer loan ending in XXXX which has been refinanced with Navy Federal and a new loan number given ending in XXXX. 

The letter stated that on XX/XX/2017 a credit would be placed in my account ending in XXXX. I called Navy Fed to confirm that this was a valid letter. They said it was. I was then told that the account that ended in XXXX was a charged off account, which I was unaware of because I had been receiving statements for one year that did not list the account was charged off or closed. 
The representative stated that Navy Federal I would not be able to receive the funds from this account. I was told If I was eligible that I could open a new savings account and the funds be placed there. I opened a new savings account ending in XXXX that day over the phone. 

On XX/XX/2017, the funds were still placed in the charged off account ending in XXXX with a new balance of {$890.00}. I requested a transfers from this account to the new savings account with Navy Federal ending in XXXX and was denied and told I would have to fill out a questionnaire form to preform a transfer because the funds were from a Redress Notification.This form could not be emailed nor faxed, It could only be sent to my mailing address on file ( today 's date is XX/XX/2017. I live in South Carolina which is under mandatory evacuation for XXXX XXXX ). 

I am concerned that they will pull the funds and apply it to my refinanced consumer loan with Navy Federal ending in XXXX, which was the reason for the Redress Notification in the first place.
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MS)

I sent communications to Cavalry Portfolio Services back in XX/XX/XXXX and most recently in XX/XX/XXXX requesting that they validate a debt by sending a copy of a signed contract hey have been writing and calling me regarding. Both times Cavalry sent the same letter saying that I needed to call and discuss the matter. If Cavalry can not produced a signed contract to validate the debt, from myself, the consumer, then they MUST remove the trade line from my credit report per the Fair Credit Reporting Act. Cavalry has failed to provide me with anything to validate the debt they are alleging that I owe. I do not have a contract with Cavalry Portfolio Services and I would like them to remove the trade line from all three credit bureaus. If Cavalry is acting as third party company then they should not have a trade line listed on my credit report if the bill belongs to another company.
Consumer complaint received 2022-12-17
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. (TX)

My name 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 2022-05-05
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. (PA)

In accordance with the Fair Credit Act cXXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A //states I have the right to privacy 15 USC 1681 section A section 2 states a consumer reporting agency can not furnish my account without my written instructions or consent
Consumer complaint received 2022-03-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account number : XXXXXXXX XXXX Account number : XXXX, XXXX  XXXX Account number : XXXX, XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXXXXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXXXXXX XXXX XXXX Account number : 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 2024-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING is alleging I owe them several thousands of dollar for debt accounts that are not accurate Account # XXXX Account # XXXX Account # XXXX Account # XXXX none of these accounts have been validated or verified as belonging to me because there is contractual agreement between them or I and I did it receive my rights to dispute this information prior to adding this information to my consumer report.
Consumer complaint received 2022-03-15
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. (AK)

In accordance with the Fair Credit Reporting act : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ( Original Creditor : 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.
Consumer complaint received 2022-03-15
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. (MI)

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 XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

On XX/XX/2022 I wrote Credit Control Corp 3 letters requesting validation of debt for 4 separate alleged accounts reporting on my credit report. All letters were mailed on XX/XX/2022 and each letter was received by Credit Control Corp on XX/XX/2022. To date, I have not received any correspondence to my request from Credit Control Corp. FDCPA gives collection companies 30 days to respond to this kind of request and requires them to discontinue their credit reporting practices until they " VALIDATED '' the accounts in question. Credit Control Corp has not complied with FDCPA Law.
Consumer complaint received 2022-05-05
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. (HI)

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 U.S.C 1681. 

15 U.S.C 1651 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 1681 c. ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX Original Loan Amount : {$3500.00} I was in a 6 month FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Transunion Current status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX ) XX/XX/XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I didn't authorize these Inquiries and I am not benefiting from these Inquiries. 
XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX. XXXX Inquiry date : XXXX XXXX, XXXX, XXXX  Inquiry date : XX/XX/XXXX, XXXX. XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX date : XX/XX/XXXX -TRANSUNION XXXX
Consumer complaint received 2022-03-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXXA Account number : XXXXXXXX XXXX Account number : XXXX, XXXX  XXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX  XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section XXXX A. XXXX I have the right to privacy. 
15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.