davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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)

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 : I also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2020-11-27
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. (NH)

I signed up for Auto pay with XXXX XXXX. They had my checking account information for this purpose. The multiple monthly payments were automatically deducted. Come XXXX 2019, unbeknownst to me, the payment was not automatically withdrawn. Fast forward to XXXX 2019, I get an alert stating my credit went down XXXX points!! I see on my credit report that I was over 60 days in late payment to XXXX XXXX. I called XXXX XXXX and talked to them about it. They said I wasn't enrolled in automatic payments. I told them this was untrue as payments were automatically deducted from my checking account. I finally got a supervisor and she admitted that " there must of been a computer glitch ''. However, she said she could not fix it herself. I would have to contact the credit bureaus. Which I did MULTIPLE times -- only XXXX, and XXXX  updated their records to correct that I was NEVER late. In fact, not only was I not late, I paid off the 3 year lease, nearly 3 years early! I only owe 2 payments left out of a 36 month lease. I never bothered to look to see if my payment was deducted because I felt like I didn't have to as I keep plenty of money in that account. TRANSUNION refuses to fix this. I have filed complaints with them 4 to 5 different times and all they do is just send me a copy of my credit report. Because they would not fix this in XXXX XXXX 2019- I went ahead and paid off the lease minus 2 payments because I did not trust that XXXX XXXX would take out my automatic payments. I pay ALL my bills on time. I take my credit very seriously. I am trying to buy a home in Florida and this strike on my Transunion credit report affects me getting a better interest rate!! They are horrible. They say they will look into it but they really never do. They just print out a copy of my credit report. The other companies found in my favor and CORRECTED the late payment in XX/XX/2019 I have been battling this for over a year now. Should I get a lawyer? It is principle for me. I pay off all my debts ON TIME. Transuion is too lazy or they just don't care! Can you please help me get this bad mark of my credit report. I am at my wits end. Thank you for taking the time to review my case.
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (WA)

I had a secured card that I aid XXXX. In XXXX I asked for the card to be closed it was almost closed to XXXX. It never closed and since then they have charged XXXX in interest and late fees. We only new when they said me a letter in the mail last month. I called last month lady stated she would send my information to a supervisor no call and more interest.
Consumer complaint received 2022-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Debt collector despite several communications pertaining to information pertaining to the dept has continued to call prior to XXXX and after XXXX on weekdays, including calls during the weekend. Have advised them of the violation numerous times and they continue to do so. I have spoken to manager pertaining to this, and they blatantly do not care. Debt is pass the statue of my state, I have advised them I am unemployed and asked for the validity of the debt they refuse to provide with my signature, as well as have harrassed me in my life calling people i am assosicated with including social media but worse when they harrass me outside of their operating hours and law includiung the weekend incliding today XX/XX/11 @ XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX 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 2022-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I am a victim of check fraud by mail. I mailed out XXXX XXXX property tax ( {$2600.00} ) on XX/XX/22 at post office. A vandal erased my check paid to the country tax assessor to their name XXXX XXXX, erased my signature and forged my signature. 

Unknown person cashed check on XX/XX/22. I was not aware since check number and amount is correct to the amount written to XXXX XXXX tax assessor. Vandals signature was not matching my signature on file. He is also chase bank customer. Bank has all his information on file. 
I noticed this fraud after I received a delinquent tax notice on XX/XX/22. I reported to Chase ( XXXX ) claim # XXXX immediately. XXXX Police ( XXXX ) report ID XXXX. Postal inspector police ( XXXX ) service # XXXX. 

The bank stated it was possible no refund since passed 30 days. I did report immediacy .They stated they usually did not check matching signature if deposit via ATM since so many checks every day. They only check signature if walk in. Why it is a different policy? 
The bank did not alert me and flag account for fraud even thought the signature is not a match. I feel my bank should protect me since I trust Chase bank and put all my money with Chase. This is my only one problem transaction I have ever experienced while being with Chase. I will not mail checks anymore as there are other safer options available to the consumer. Chase bank should ensure a safe and sound federal banking system for all customer. 
Please help me call chase bank at XXXX case number XXXX to refund me the money I lost to my account.
Consumer complaint received 2022-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX my fiancee was scammed into believing he was getting a loan for {$870.00} which was put into his account and he had pulled only {$220.00} out of said laon, which into his knowledge it was a scam and within less than 5hrs Wells Fargo Bank put a hard hold on his account and would not let him take anymore funds out but would not explain anything to him. They just shut down his account which is where his SSI is deposited too. Now they are not even giving him the chance to explain the situation they just severed all relationship with him without even letting him file anything because they assume that it was his doing which I have all the evidence on my phone showing he was scammed and they were trying to do it to me as well.
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (DE)

I have failed two cfpb complaints for this related complaint today i am truly getting upset with my rights being violated and not even a response on experian, please help me ensure that my rights are not being violated cfpb Prior cfpb investigation number related to Todays matter XXXX and XXXX XXXX XXXX In my previous complaint I requested that the following be removed from my credit profile I also requested closed accounts to be removed from my credit report which has not been completed on your end. Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are showing late payments which is actually illegal. i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explaining to you that I was never late on any of these mentioned payments.. 

The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I would like for Experian to Grant my request and remove these items from my credit report for they are costing me financial Health. Also I have given you more than 60 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time period of the first Initial complaint.
Consumer complaint received 2019-03-21
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. (GA)

An account with XXXX XXXX XXXX XXXX was placed on my credit file on XX/XX/XXXX and its been on my file for 7 years. I requested for this item to be removed from my credit file on XX/XX/XXXX. And I received an alert from Experian on XX/XX/XXXX stating that the account will remain on my credit file. According to the Fair Credit Act Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2019-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

my sister who is not strongly literate has been struggling with Toyota Motor corporation She has held on the phone for many hours over a period of 11 months and has been given the run around. she beat the deadline to take part in the Class action suit back in XX/XX/2018. She was told they would honor her contact date of early XX/XX/2018. But did not send her the paperwork until XXXX after she kept calling them inquiring about it. She faxed over the paper work Settlement Eligibility form on three different occasions. She was told back in XX/XX/2018 that her paperwork was received. And later told it wasn't on file. The lawsuit was due to discrimination based on race ( XXXX XXXX  ) giving them high interest rates, charges and fees without determining their true credit worthiness. She has since been treated poorly and continuously discriminated against due to age, race and socio economic standards. She is paying over {$14000.00} for a vehicle that is over 10 years old. They added a warranty and financed it without fully explaining to her the terms. They won't honor her paperwork for the Settlement, either. please help. She has been hung up on, and have been given poor instructions for completing the paperwork .They could discern from her phone calls that she is not very literate.
Consumer complaint received 2020-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

I bought a XXXX  and financed {$73000.00} in XX/XX/XXXX, I had missed a payment and Ally extended to the end of the loan, again in XX/XX/XXXX, I made the late payment fees and interest payments as they told me, then Covid hit and I like most people took an income hit, I called Ally and they told me just go online and hit button for payment assistance, I did and it gave me like 3-4 month extension and some smaller payments they said I think was late payments or interest which I paid and my payments would go back to XXXX on XX/XX/XXXX. I paid XXXX, XXXX, XXXX, and XXXX now noticed my balance hasn't changed since XX/XX/XXXX at all. I have paid XXXX in payments and not XXXX dollar went to principal and I supposedly already paid all late fees. They said because I got a 4 month extension for covid which rolled payments to end, did not waive them that all of the XXXX went to interest only, I asked well when does my payments start to go to principal again and they tale me they can't tell me till I pay them and it starts going to principal. So far in this loan since XX/XX/XXXX - XX/XX/XXXX, I have Paid {$18000.00} in payments, all payments missed still rolled to end and not waived, but only {$3600.00} of this went to principal I no way see this being legal, agreed too or even ethical, please let me know if this is correct and I can sent contract and payments and dates all payments posted.
Consumer complaint received 2022-06-12
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. (AR)

In accordance with fair credit reporting act XXXX account XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States that i have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2021-07-15
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. (NC)

Since XX/XX/2021, I have been sending letters to Experian and XXXX  in regards to unauthorized fraudulent inquiries placed on my credit bureau profile accounts. Since XX/XX/2021, two of the three bureaus ( Experian and XXXX  ) have ignored my requests and have not sent me any correspondence. A post card is not what I'm expecting receive as a response, after sending many inquiry investigation letters. Yet, still no removal of the fraudulent inquiries from these bureaus, regardless of the countless letters I've mailed. If you can mail post cards, then why are you not responding to my letters or sending me proof of methods used to verify the information that continues to remain on my profile. This has been a long tedious battle with Experian and XXXX  for months. I have had no support from the bureaus. I am being treated as if, I am not the valued consumer and my information has been compromised. I have been left feeling violated. I have called and spoke to representatives at the bureaus that have either disconnected my calls or ignored my request and even asking me to file reports with the police. In addition, I have also contacted each individual creditor to request proof or removal from my reports and no success either. The creditors continue to respond with ; they don't have records of my information on file with them. 

XXXX- letter to Experian for inquiry XXXX XXXX XXXX - XX/XX/2021. No removal XX/XX/2021- letter to Experian again for XXXX XXXX XXXX - XX/XX/2021. No removal XXXX- letter to Experian a third time and No removal. 

XXXX- letter to XXXX  for inquiry XXXX XX/XX/2021. no removal XX/XX/2021 - letter to XXXX  again for inquiry XXXX XX/XX/2021. no removal XXXX letter to XXXX  and a third time for inquiry XXXX XX/XX/2021. no removal Each time a response from Experian or XXXX  comes back to me, its a post card or letter of inquiry investigation process. Yet, never a letter showing me verification of method used to verify the inquiry.
Consumer complaint received 2019-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I purchased a Toyota XXXX of XXXX. I was financed by Toyota Financial Services. I was induced to purchase the vehicle using Toyota Financial Services by the Dealership known as Passport Toyota in XXXX XXXX, MD. The car was ultimately repossessed. I was taken advantage as a consumer so I sought corrective action assistance from : Maryland Attorney General ( Consumer Division ), and XXXX XXXX, CEO Toyota XXXX XXXX ( I have included all of these documents with this complaint ). XX/XX/XXXX. I submitted a Settlement Eligibility Form to XXXX ( see document included with this complaint. Friday XXXX, XXXX, I received a Notice of Ineligibility from Toyota Motor Credit Corporation Settlement, Settlement Administration dated XX/XX/XXXX. Reading the documents I enclosed you will see I have been fighting the unfair loan I was provided by Toyota Financial Services. I overpaid for my vehicle and the interest I was charged was probably due to geographical location of this dealership. This dealership is located in a predominantly XXXX neighborhood and serves primarily person 's of XXXX. *At one time I even asked the Department of Justice to investigate this dealership and their discriminatory practice of selling cars and the financing to person 's of XXXX, disproportionally setting them up for repossession.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (TX)

US Bank ReliaCard : Dear Sr. or Madam : My name is XXXX XXXX XXXX. 

I Do not agree with the resolution to my case ( Dispute Claim # XXXX ). I did not transfer the money to this individual XXXX XXXX. This person change all my personal information, in the banks website. I could not used my user ID or password to get into the banks site. After I had a new password and user ID, I looked on my personal information. My personal information was different. It had a new e-mail ( XXXX ) it had a new cell number from XXXX # ( XXXX ) XXXX. The bank needs to investigate further to resolved this issue. I have waited for more than a year and I want my XXXX dollars back. I have already send all the information that it was required of me liked my current ID, W2 form, SS #, and police report. I do not know what else do I need to do to resolved this fraud.
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX filed a lawsuit in Arkansas against me. Even though the case was in court and they were represented by an attorney, they continued to have an offshore call center attempt to collect the debt. 

After they dismissed the lawsuit, they continued to report the debt to the credit bureaus. 

Despite knowing that I dispute the charges, and without having any information about said charges, they continue to assert the debt is valid and continue to refuse to investigate dispute I placed with the three credit bureaus. 

XXXX XXXX XXXX is quite aware that the charges are not valid, that I did not authorize most of them, and that I am owed a refund on the account for amounts I overpaid Capital One.
Consumer complaint received 2022-10-09
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. (MD)

My name is XXXX 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.
Consumer complaint received 2022-12-21
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. (GA)

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX