davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

this account with Toyota was in a bankruptcy that was dismissed when the bk was dismissed I sent in the payment to pay in full how Toyota is showing i was XXXX  days late and XXXX late... also they're reporting old late pays that should of been removed from credit... I want to to update my credit report or show when my bk was dismissed versus when I paid in full
Consumer complaint received 2021-03-04
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: WELLS FARGO & COMPANY (FL)

On XX/XX/2019, WF CRD SVC add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-02-15
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. (NY)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I paid the balance in full in XX/XX/2021. They claim it arrived a day late. I was charged a late fee and finance charges, which created a new balance on the account. I was not aware of the late fee and finance charge, therefore did not make another payment by due date. I was charged another late fee and finance charge for the balance which consisted of a late fee and finance charge. I called the credit card company they refused to remove the late fees and finance charges. I tried to explain to them that i shouldn't charged more than XXXX fee for any single event or transaction that warrants penalty ( e.g. XXXX different types of late fees for XXXX missed paymentthink the legal concept of double jeopardy ). They disagreed.
Consumer complaint received 2022-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services (OH)

I have sent multiple remittance payments to this company and they have dishonored all of them, also they are not in compliance with 12 cfr 1005.30. Further more in the security agreement they have not informed me as to what is the security given. So I ask now what is the security interest that I the consumer have given in this transaction? Is the contract not between the seller and the creditor as defined in 16 cfr 433.1 ( f )? I as the consumer only have an consumer credit contract as defined in 16 cfr 433.1 ( i ) that evidences a debt from a purchase money loan. Nothing in this security agreement makes me liable for any payment or be subject to the injuries i have received from the parties non compliance. Due the the non compliance of the Seller ( XXXX XXXX XXXX ) taking a {$1000.00} downpayment from me and the creditor ( LENDMARK FINANCIAL SERVICES ) unlawfully taking my property forcing me to make payments on a security agreement that I endorsed as the contract between the seller and creditor. I am the injured party and I am receiving financial injury from all both parties by way of false and deceptive forms and false and misleading representations. The seller and creditor both are not in compliance of the truth in lending act and regulation z. Seller was instructed by the creditor to place a fictitious lien on my property title that I the consumer was using for personal family and household purposes where there was no lawful grounds of doing so and this was done by way of forgery ( 25 cfr 11.416 ). I have not signed a power of attorney to either party that grants either party to take these unlawful acts against me. Furthermore I was not given full disclosure as required by 12 cfr 1026 from either party nor was I given required right of recession forms as required in the truth in lending act ( 15 usc 1635 ). Attached is the multiple remittance that where dishonored. Please be advised that due to fraud and lack of full disclosure i am now exercising my right of recession. Upon notice of this correspondence consider notice of rescission given and please return to me all things required and see that the security interest is terminated.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

The credit Card was issued by XXXX, Account Number Ending In : ( XXXX ) in the Balance of {$3700.00}, and the account was sold to Midland Credit, with the help of XXXX the account was negotiated and settled on XX/XX/2021, in the total of {$1800.00}. 

Midland Credit shows this amount under collection in my credit report, I tried to resolve this issue but unfortunately getting no where,
Consumer complaint received 2020-04-17
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. (GA)

XXXX XXXX XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, This certified letter is to notify you that I believe I have been a victim of identity theft. Please VERIFY the following accounts, THOSE following items do not belong to me and is a result of fraud XXXX XXXX   Credit limit {$300.00} Opened XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$2200.00} Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$16000.00} Highest balance {$21000.00} Monthly payment {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Amount past due {$0.00} XXXX XXXX XXXX Account Number XXXX Account Type Individual Date Opened XX/XX/XXXX Status Closed.
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

On numerous occasion I asked for written communication only. They call me and my family members repeatedly and use abusive communication tatics. I have still yet to receive my debt validation letter. Next step is to get an attorney and go after them for XXXX.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (GA)

This is my ANOTHER 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 XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXX Balance : {$10.00} ; XXXX XX/XX/2022.
Consumer complaint received 2020-04-17
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: PLS GROUP, INC (NY)

On XX/XX/20 I purchased a money order for {$990.00} to pay my rent for the month of XXXX. In early XXXX, I learned that the money order was fraudulently cashed because my management company informed me that they never received my XXXX rent. I immediately went to the check cashing place where I purchased the money order, to request the status of said money order and a copy to prove to my management company that a money order was purchased to pay for my XXXX Rent Statement. Upon receiving a copy of the money order i immediately noticed that the original payee information that was written by me, was clearly altered because I made a copy of the original money order before mailing it out. After learning of the fraud, I brought it to the attention of XXXX, the store manager, who at first shrugged it off and stated that my management company probably altered it. I filled out and notarized an affidavit as instructed by XXXX and mailed it out to the address that she provided. A few weeks later, XXXX calls me stating that my affidavit was not received and i had to complete the entire process again including re- notarizing a new affidavit. Its important to note that XXXX asked me to leave my home in the middle of a pandemic ( COVID-19 ) to complete a process that I had already done almost 3 weeks prior. I demanded that this situation be escalated to the regional manager because the store manager was clearly incompetent. Its been over three weeks since I was told that I would receive a follow up call from the regional manager and nothing has been resolved.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Dear Sirs, I have tried to open a bank account back in XX/XX/XXXX. I was denied multiple times by different banks. upon check on the problem of denial, I had seen that there is a " suspected Fraud '' notating by XXXX  XXXX XXXX on my Chexsystem report. I remember having a checking account with XXXX  XXXX  XXXX, never had an issue of any kind. XXXX  XXXX XXXX sent me a letter back in XXXX stating that they will be closing my account without any further notice. I had no problem with that, however, XXXX reported " suspected Fraud on my Chexystem  report which is currently not allow me to open any checking account with any other Bank. 

In XXXX, I disputed the reported directly with Chexsystem, The reporting was updated to " Settled in Full ''. I'm not aware of any amount I owed to XXXX  XXXX XXXX that lead to be settled. In XXXX, the Term was updated to " Settled in full '' and consumer disputes the reported information. Early XXXX, I called Chexsystem and asked them to remove the inaccurate reporting. The rep of Chexsystems stated that XXXX  XXXX XXXX is supposed to remove the reporting. 

I mailed XXXX  XXXX XXXX ( address listed on the report in XXXX FL ) in XXXX to request evidence or at least clarify any of the reporting. Never gotten a response after 60 days. Then I decided to call the number of the department responsible for the reporting, I was transferred to Fraud department, then to Risk Department, then to Closure department. None of these was able to specifically tell me why this reporting is remaining on my consumer report nor why it was reported initially. 

I'm attached a copy of my latest chexsystem dated XX/XX/XXXX report showing the " suspected Fraud, settled in full, consumer disputes reported data.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This complaint is about my auto loan with XXXX XXXX XXXX XXXX XXXX. The loan payment is due on the XXXX of each month. My understanding is that I have up to 30 days before the next due date to make a payment before it is considered 30 days past due and is reported to the credit bureau as a delinquent account. The last payment was debited from my account on Friday XX/XX/2021 which was the balance that was due for XX/XX/2021. However, the payment did not post into XXXX XXXX XXXX 's database until Tuesday XX/XX/2021, causing the account to become delinquent. This " delinquency '' was then reported to the credit bureaus. I spoke with the loss prevention manager, XXXX, who offered some pretty good advice, but subsequently was unable to do anything in regards to correcting this matter. 

Is it legal for a company/creditor to report a payment that was made before the " 30 day late payment '' reporting period if the actual payment was made within the 30 days, but did not post in they're system until 4 days later? 

Please advise. Thank you for your help.
Consumer complaint received 2020-04-25
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: CITIZENS FINANCIAL GROUP, INC. (CA)

On XX/XX/XXXX i applied for a new line of credit to finance a purchase, however I was denied by the lender ( Citizens One ) based on my XXXX  report with the cited reason GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION However, my credit report shows no record of any such negative action. I am not sure if this is an XXXX  reporting error or a Citizens One reviewing error, but either way it has created an issue because I am unable to dispute a claim that does not appear on my credit report.
Consumer complaint received 2022-02-15
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I received 2 emails ( XX/XX/XXXX  and XX/XX/XXXX  ) labeling my account as 30 days past due. I have been enrolled in auto-debit since before payments resumed and have even in fact paid extra along the way. I know I am not overdue. I called MOHELA on XX/XX/XXXX but their wait time was over 1 hr on the phone so I could not stay on the line and I asked for a call back per their dial procedure but never got one. Today I called and the wait time was 40 mins. I submitted a message via the MOHELA app portal while waiting, for fear I may never get connected to a real person. Eventually, the operator confirmed my account was in good standing and the emails were both received erroneously.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

I am so upset right now, I feel like I was deceived and taken advantage of. I had a collection which I received in the mail it was for an accident and my insurance paid for it. When I got another letter I simply just paid it because I didn't want it to impact me and the representative assured me that they would no longer report this account on my credit profile. And of course they didn't keep their word.

Two issues 1. this should have never even been sent in the first place since the insurance covered this bill 2. When I made the payment the representative assured me that it would no longer be reporting on my credit file. 
This both deceptive and misleading.
Consumer complaint received 2021-03-04
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. (PA)

XX/XX/2021 I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I did my research I know the credit bureaus have 30 days to reply back and they haven't. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Due to that I researched. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am begging for help at this point.
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. (GA)

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to request from you to remove the fraudulent items I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the FCRA XXXX XXXX, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Consumer complaint received 2022-02-15
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (MI)

I have a loan with CHRYSLERCAP with account number XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX up to XX/XX/XXXX. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Please Delete the following Incorrect Addresses and Employers listed below. 
EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX CURRENT XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX PREVIOUS XXXX - XXXX XXXX  XXXX EMPLOYER UNKNOWN?
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please Delete the following Incorrect Addresses and Employers listed below. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED TRANSUNION - XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX CURRENT XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PREVIOUS XXXX - XXXX XXXX XXXXXXXX EMPLOYER UNKNOWN?
Consumer complaint received 2022-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

I had resubmitted my income based repayment through the XXXX XXXX XXXX XXXX as I do for both of my loans and for my XXXX. XXXX of my loans through XXXX went through fine and my XXXX XXXX was fine, but Nelnet was unable to process the payment plan for some reason. I contacted the company and was told that they had issues receiving the documents. I offered to send over my full tax documents which I did on XX/XX/2022. I was told that the documents didn't have decimal points and clarified with my XXXX XXXX that they DON'T have decimal points on the documents. I resubmitted my income based repayment plan on XX/XX/XXXX and received a confirmation that it was received. I was then charged another {$300.00} in XXXX, XXXX, and XXXX while I tried to get ahold of the company and resolve the issue. I finally resubmitted another income based repayment in XXXX and again didn't get put on the plan through Nelnet. My last attempt was at the end of XXXX. They just hit me again for another {$300.00} payment as of XX/XX/XXXX. I contacted the company again and they were able to take me off the automatic payments, but weren't able to provide me any information about why my lengthy attempts to get put on the plan were denied. Since XXXX they have charged me {$1200.00} instead of the approximately {$200.00} that should have been charged my account. I have yet to speak to a manager because I have been told that XXXX is unavailable. I would like to have my money refunded and re-charged at the correct rate as well the ability to transfer my loan to another company without a penalty.