davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have spoke to Toyota financial services numerous times about my issue with paying on my loan unfortunately for myself I have lost my job due to corona virus 19 and I have been doing everything in anything that I can do to pay something towards my loan in the beginning I was able to make the payments and I follow through with paying them on time when corona hit unfortunately that changed they gave me two payment extensions and thats about it they took off some fees totaling of {$78.00} my car note is {$550.00} per month and I am unable to pay them and Im getting threatening calls and theyre gon na repossess my car or if I dont pay this big lump some of the car which is {$21000.00} I cant afford that I havent found a job yet the job market is absolutely horrendous I keep calling to try to get an extension or some type a payment plan and theyre not even willing to work with me with that I have been paying {$200.00} every two weeks because thats what Im collecting from unemployment and thats all theyre giving me right now and then I also have to pay 25 % of my rent and then my other bills this is something I never thought I would ever be in my life I am scared I dont wan na lose my car but how do I go find a job when they take my car for me and they want me to go to work I dont know what to do anymore Im stuck at this position where theyre threatening me and Im scared and I dont know what to do I need someone to help me to let these people know that they cant do this its not my fault that I dont have a job its not my fault that this has happened to the world like this is not my fault and Im about to lose what I have for no reason at all Im trying to do the best I can with the money that I barely get from unemployment its not even a lot it covers nothing I get {$400.00} every two weeks thats {$800.00} a month and my car note is XXXX for my rent is XXXX My cell phone bill credit cards electricity gas it goes on and on but I need to stop Toyota financial from re-pulling my vehicle for me trying to stop getting work I need to be able to get work I need my car to go and get work Please and thank you XXXX XXXX
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 — Account information incorrect
Company: National Credit Systems,Inc. (GA)

After receipt of notification of collection* action the by collection agency ( National Credit Systems ) We responded in writing ( ( XX/XX/XXXX ) disputing the {$400.00} debt and requesting proof/details of same. XXXX did not respond but notified us that they would report the debt to " one or more credit reporting agencies ''. When the collection notice appeared on our reports ( XXXX and XXXX ) I notified them that the debt was disputed and they added the note to our report that it was disputed. I further wrote XXXX on XX/XX/XXXX of their failure to provide the requested proof or to remove the claim. They further responded only with collection invoices and calls and no details.. 

The collection account still remains on our credit reports and has adversely affected our credit scores and record. 


*XXXX  XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the initiator of the collection account tried to bill XXXX XXXX XXXX XXXX XXXX  credit card Iin XXXX of XXXX and that was disputed with XXXX XXXX  as well. XXXX XXXX investigated the dispute and after a period of several months could not get a response from XXXX  and permanently credited her account. XXXX XXXX XXXX never directly sent us an invoice or letter regarding the debt.
Consumer complaint received 2022-02-10
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: JPMORGAN CHASE & CO. (TX)

In XXXX of XXXX I was in a car accident. They representative asked me for all my info for the car and I had sent a payment for that current month due. I did not know any better given the fact I had purchased XXXX coverage I thought I was going to be fine. Insurance claim for the other party paid car and I was then claim and coverage would pay off the car, leaving me with no car and they were paid then I received notification my credit showed it as profit and loss for an unknown amount. Then out of nowhere I received a XXXX check from JPMC Auto Finance and now they report it as negative and had I had all the documentation I would of taken care of this then, I was left with no vehicle this ding on my credit report and they have never sent me the documentation of the end result of my car note.
Consumer complaint received 2022-07-25
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. (MA)

Following a massive mess when doing a planned system update, my BJs Perks account with Comenity Bank did not reflect my payment of {$900.00} - made several days prior to the due date. I sent a message to Customer Service and received no response. Subsequently, I was incorrectly charged a late fee and interest. I called Customer Service, which was of no help, telling me to check back in a few days. 

I have seen many, many stories similar to mine posted on social media, all finding no relief or resolution. Comenity needs to be held to account and repair the errors to customer accounts ASAP.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

Contacted The Work Number Service Center @ ( XXXX ) XXXX to inquire as to How it is that XXXX XXXX has been allowed to access my personal information so repetitively XXXX  times in the last year. I was never able to talk to anyone as there system seems to be fully automated? It was also noted the XXXX XXXX, XXXX was listed on there as having been provided my information as well, in reviewing XXXX company history it is noted that this is a debt collection firm, so at this point, I'm needing to know, how they were also able to access such personal and sensitive information, being that we owe no outstanding debts? It looks as if XXXX XXXX XXXX XXXX XXXX XXXX, was prevy to data, I do hold several accounts with what seems to be a company related to XXXX XXXX, so maybe a single entry is permissible for whatever reason.
Consumer complaint received 2020-06-10
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. (MS)

I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service, I quickly opened an account with XXXX XXXX to review my credit report. I found student loan and other fraudulent accounts I have never opened or gave any one consents to open. Please delete these items from my account as soon as possible.
Consumer complaint received 2023-01-31
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. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2022-04-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX caused an unlawful eviction to be executed upon my home, when they do not have a valid court order or valid legal reason to sue me in court period. Enforcement officers insisted that we take up this matter in court. But this is wrong. The officers should have applied due process or the Law first. They have shifted the burden of going to court to aggrieved citizens. 735 ILCS XXXX plainly states that possession orders older than 120 days are invalid and unenforceable. 735 ILCS XXXX ( g ) also says that orders of possession can not be enforced against residents generically named. And yet this is what happened. The order that was wrongfully enforced was entered without jurisdiction ( in violation of the federal False Claims Act, state consumer protection law, and Fair Housing Law -- among others ) XX/XX/XXXX is roughly 3 years old. And it fails to name XXXX XXXX, one of the residents who was threatened with arrest for trespassing and forced to leave XX/XX/XXXX. On this same day, XXXX XXXX had the locks illegally changed. This man is a house thief and is seeking to sell my property with all of our belongings in it, " As-Is '', with no guarantees, asking for cash up front. I spotted such an ad on XXXX and XXXX. Neither XXXX XXXX or XXXX XXXX  XXXX XXXX were named as plaintiff parties to the unauthorized foreclosure-related eviction actions filed 3x under seal in the wrong municipal district of the XXXX XXXX Circuit Court . Yet they were on the scene when XXXX XXXX Sheriffs showed up. When I filed formal complaints with the CFPB respecting the illegal court actions filed by XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX parties denied any responsibility for the actions. XXXX shifted the blame to XXXX Mortgage XXXX XXXX. And in its response, it referenced the transfer of mortgage loans. So HSBCXXXX and in turn XXXX must have transferred a non-performing, securitized void mortgage created without the proper licensing to these real estate companies or professionals. Nobody in my household is indebted to any of these parties and my home-ownership can be corroborated by a title report and tax records. The parties ' claims spring from false and fictitious filings submitted to courts, land recording systems, and local governments. They need to be charged, because it is a crime to submit fabricated documents and evidence to peace officers or public officials ( See 720 ILCS XXXX and XXXX ). XXXX XXXX is currently trying to get us to abandon the property altogether by making arrangements to move our stuff, when he has no real rights in the property.
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

I called Convergent Outsourcing numerous times about a collection account that they have placed on my file. Originally, the account was removed because they couldn't verify it but now it is back. It is for a Utility Bill in Florida. I have never resided in Florida, furthermore when I spoke to someone at XXXX XXXX I was advised that the account was opened but they never got a copy of my ID. This is defamation of character and using scare tactics to attempt to force me to pay a debt I do not own. I even supplied them with notarized information stating that the debt does not belong to me but they continue to report it on my credit report. 

Account number listed on report : XXXX
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (CA)

I'm a single parent who was putting a way2go card program from XXXX XXXX  without my knowledge or approval. When I received the MasterCard last year I made several attempts to activate it and contact the company but it is virtually impossible because it's all an automated system. And it's also extremely confusing to do so I gave up. I got a letter from them today telling me that I have a balance available of {$1200.00} child support payment for my child. I called them up verified who I was got a very rude female customer rep requested a supervisor then she hung up on me after I told her I didn't understand how the program works or how to use or activate my card. I would like my money sent to me can a cashier 's check or make it available on a credit card to where I can speak to a live person that can help me use this card so I can provide for my XXXX  I'm also a XXXX XXXX veteran. This program never works for single parents like me all they do is charge is unnecessary fees and take for my XXXX  I have no idea why people continue to use these types of programs to take advantage of us. Someone needs to investigate this company for their on at the call in illegal practices.
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (IL)

After several written requests sent to Equifax to investigate accounts appearing on my credit report, Equifax has failed to do any real investigation. Instead, Equifax has left it up to the companies reporting the fraudulent accounts to investigate and verify the information in my dispute, which is a direct conflict of interest. No real investigation was conducted by Equifax. After several written requests, Equifax has not provided me any any copies of original documentation ( a consumer contract with my signature on it ) from the furnishers of information. After several requests for their method of verification, Equifax has failed provide any names or phone numbers of any actual person that Equifax has contacted at the companies reporting the fraudulent accounts. All of this is required under Section 609 and Section 611 of the Fair Credit Reporting Act. All of this is due to the fact that no real investigation was conducted by Equifax. When receiving these written disputes, one of Equifax 's employees reads the letter and selects a 2 or 3 digit code offered by an online computer program called the e-OSCAR system. Along with this 2-3 digit code, an ACDV ( Automated Consumer Dispute Verification ) " form '' that has generic identifying information summarizing the dispute is sent to the companies reporting the accounts. After receiving this electronic code, the company reporting the accounts claims to " verify '' the accounts and " update '' their information accurate. This practice is in direct violation of the Fair Credit Reporting Act because no real investigation was ever conducted by Equifax. I contacted the companies reporting the fraudulent accounts and disputed these accounts with them, directly. I have provided documents to Equifax and the reporting companies as proof that an error has occurred. I have directly requested from the reporting companies, written proof about the fraudulent accounts, including the original contract agreement. I have also contacted Equifax, by direct mail and phone, and provided them additional documents, such as an Identity Theft Report and letters to/from the reporting companies. I have also contacted the Consumer Financial Protection Bureau with complaints against all parties involved, including Equifax an the companies reporting the information. I am currently in the process of filing a suit with my State Attorney General 's office for several violations, including but not limited to, Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Consumer complaint received 2023-01-24
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. (TX)

This is my NUMEROUS 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (MI)

Received a deceptive letter in the mail. Header of the letter states : " Understanding FNMA Enhancements ''. This letter includes misleading header of " Your Economic Benefits '' from the " aggressive enhancements '' made to XXXX XXXX eligibility? This letter gives the reader the impression that the XXXX ( XXXX ) are providing some " economic benefits ''. This letter is a ploy for a refinancing solicitation from JFQ lending, Inc. NMLS ID # XXXX a Mortgage Broker, XXXX AZ . I believe this has the potential to fall under UDAAP regulation as a potential violation of deceptive and abusive solicitation practice.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC (MD)

I have attempted to have this account corrected to no avail numerous times as it is outside of the XXXX and its reporting inaccurate information and now we have this issue??? you're in violation of USC 1681 B and you need to delete this account immediately as the dates and the amounts are incorrect, and unverifiable. Please send the account archive file. Do not try and respond in any manner outside of this CFPB portal. Any contact outside of this portal will be considered harassment. Also, during thie investigation, the account needs to cease reporting on my consumer disclosure until the INDEPEDENT investigation is done.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2021 I submitted an application to Refinance an existing mortgage that was under my fiancs name, ( he passed a away so I needed to assume the loan ). Every single contact I received from them requesting Documents or information was answered in a timely manner with accurate and requested information. I received a conditional approval at 2.5 % on XX/XX/XXXX. I contacted my processor and various times to make sure I understood what was needed. I submitted all requested documents. My mortgage payments for XXXX and XXXX were on auto draft thru the same bank. On XX/XX/2021 I called my processor because I had not heard from anyone. I was then informed that my loan was canceled at my request on XX/XX/2021. I never received a call from Navy Federal, I have no record of any call in my phone records or emails. They stated that I requested the loan cancelation due to not being able to make the monthly payment for XXXX. My Loan payment was set on auto draft from the same institution. The payment cleared the same day as every month. I signed a form with date of auto draft request ( Page 3 of the Initial Loan Packet, Easy Pay Authorization. They proceeded to tell me that I would have to re apply for the loan and my 2.5 % would not be held. This is a complete violation of my security with Navy Federal. I never spoke with anyone regarding cancelation of the mortgage refinance, my cellphone should be the only contact number they have on file. There are no missed calls or accepted calls from Navy Federal on XX/XX/2021. I do not know who they spoke with and what verification process they had to move forward with that request.