davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XXXX XXXX l made contact with Toyota Financial Services Administration and spoke with a representative in regards of cancellation on my Gap insurance and Extended Maintenance Service. 
Toyota Financial Services representative stated that Gap insurance was cancelled, and he told me that l had to send him a fax on my Gap cancellation fax number XXXX. 
I told rep, that I sill send the fax, but l opted to send my written cancellation by email to XXXX XXXX dealership Finance Manager Mr.XXXX  and l did email him on my cancellation with vehicle vin number and recent mileage on Vehicle in mileage is XXXX. 
Toyota Financial Services stated that they was charging me {$50.00} for Gap insurance cancellation and l was going to receive only {$900.00} instead of {$1000.00} in refund. 

Also, l respectfully requested cancellation of Extended Maintenance Service with XXXX third party XXXX XXXX XXXX, their representative has told me on pre.recorded phone conversation that l had to contact XXXX California XXXX dealership Finance department to cancel the extended Maintenance Service on my vehicle. 
I did made contact with Mr.XXXX  in the Finance Department and he hasn't responded my email on my cancellations. 
Extended Maintenance Service is {$1000.00} and there is another XXXX fee to cancel. 

I sent emails to XXXX XXXX Customer Service Ms.XXXX XXXX   and Customer Relations Director Ms.XXXX  XXXX, and they have not responded.
Consumer complaint received 2023-02-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian 3x on the XXXX, 1x on the XXXX, 1x on the XXXX, 1x on theXXXX, and 3x XXXX, of XXXX because there are multiple errors on my credit report. The issue is that Experian does not have current information, hence clausing a low credit score that has resulted in multiple hard inquirer 's See XX/XX/XXXX, and has cost me 2 percentage points on a loan. Experian has made minimal changes, however they have not made the necessary changes to ensure I have the proper credit rating. 

The responses from Experian, simply state the dispute is closed, it says nothing further. 

At this time, I do believe Experian is responding to my requests nor do they understand the gravity of what their actions are costing me. 

I would appreciate any assistance. 

Thank you
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MS)

In summer of 2022 I participated in a consumer credit transaction with Discover Bank and it has been ongoing until recently. The corporation has claimed that I owe an alleged debt. I have requested proof of that information from the corporation twice and I have not received any proof. The only thing it has mailed me is statements which are not proof. I also have a the credit card agreement between me and the corporation. Discover is in violation of the TILA, FDCPA, FCRA, and GLBA. I have attached my letters and the corporation responses. The statements and payment history provides proof of extortion. The card agreement provides proof of the CCT. Discover has furnished this account to the credit reporting agencies without my permission and has defamed my character and credit worthiness.
Consumer complaint received 2023-02-24
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. (AL)

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.
Consumer complaint received 2023-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Healthcare Collections, LLC (CA)

I am truly incredulous- I got a notification from XXXX that my score dropped XXXX points, so I looked closer. Some company that has absolutely 110 % never contacted me in any way shape or form, placed a collection on my credit and DESTROYED it. I PAID THE BILL TO THE MEDICAL OFFICE< APPROPRIATELY. I have never been contacted by this " National Healthcare Co '' and I know that the surgery center has all of my info as I have had XXXX surgeries there. The medical office may have made a mistake but this credit collection company should have CALLED or WRITTEN. I have tenants moving into my house in XXXX  days- and I am in escrow. I am attaching receipts to this bill for XXXX dollars that was paid in XXXX. It took some time as I was working with the insurance company which I finally gave up on due to TIME it takes to deal with insurance so I paid it. The fact that they did not call me, I know to be illegal and against the fair credit reporting act. If this does not come off my credit by XXXX  when I wake up- I will file a lawsuit immediately, online. Not only will I be sued as I have tenants moving in, and this will make me fall out of escrow, this company in XXXX  will have to travel to XXXX XXXX for Court Dates- and I am 100 % within my rights as I paid my bill, in good faith. This needs to be deleted AT ONCE>I will file a lawsuit with XXXX XXXX XXXX XXXX on XXXX.
Consumer complaint received 2023-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX an unauthorized transaction was made on my Capital One Quicksilver Credit Card for {$340.00}. The bank did not process the payment since the funds were not available. My credit card showed it as a returned payment and was closed for violating the cards policy. I did not authorize these charges to go through. I pleaded with Capital One that it was an unauthorized charge on my account, but was told it has to remain closed. The same thing was said for my second credit card account with Capital one. 3 returned unauthorized payments on XX/XX/XXXX for {$640.00} and also XX/XX/XXXX for {$340.00}. I am please asking to have these accounts open again. I have been a loyal customer of theirs since 2018. Never missed a payment. Please help.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$550.00}
Consumer complaint received 2023-02-24
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. (AZ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (TN)

I called in for a paper statement fee. I never ordered paper statements. The agent insisted I had to go online to turn off paper statements and she couldn't, her manager couldn't either. That is XXXX. Truist knows if they make it more difficult people will give up and not do it. This is a malicious policy Truist has. 

So I spent an hour dealing with Truist 's malicious compliance to XXXX me over.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

this is an update to my complaint # from XX/XX/XXXX XXXX I have located the second money order receipt # XXXX. The receipt for the first money order # XXXX was sent on XX/XX/XXXX. Please add this to the complaint and I have added it to this complaint from XX/XX/XXXX. 
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On XX/XX/XXXX I was going to a XXXX branch to deposit XXXX in cash. I got there about XXXX XXXX and there was only 1 teller and about 5 people on line. I had to go to work. I went to an empty post office the next XXXX ( XXXX XXXX XXXX XXXX ) to get 2 money orders..After the money order fee the amount of the 2 money orders was {$990.00} x 2 so I could deposit them into a XXXX ATM and avoid waiting in line. So I did that on the afternoon of XX/XX/XXXX. I got a phone call the next AM ( XX/XX/XXXX, ) from a very mean and snotty WFargo rep who explained that the Money Orders were altered and my account was now closed. My account had XXXX in it before the deposit. Now I can not access that either. As to the " altered '' money orders, they are absolutely out of their minds. I can not believe that is happening to me. They are holding all my funds, hostage because somebody there decided they are ALTERED??? I do not understand. I have a pic of the receipt for 1 money order ending with the number XXXX. I used 2 of my debit cards for this at XXXX each. The receipt for the money order ending in XXXX, I can not find but I do have the actual money order receipt that was attached to the money order. Both of these checks were deposited into the ATM. I need mt money back. I need the XXXX x2 and the balance of my checking acct with XXXX from them. They seem to be thieves!!! I know for a fact that Wells Fargo has a track record of cheating customers with fake accounts, interest on auto loans, and opening accounts without people 's knowledge. and charging.fees that customers did not agree to. I do not want them to get away with this and need my funds immediately. 

ATTACHMENTS XXXX XXXX receipts.pdf ( XXXX KB ) XXXX XXXX receipts.pdf ( XXXX KB ) XX/XX/XXXX
Consumer complaint received 2022-02-11
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. (NY)

I tried to dispute a unauthorized inquiry on my report and they asked for a letter that Ive sent out to get things taken off and they never received it somehow. They revert me to XXXX  XXXX where i got the inquiry from and XXXX  XXXX  tells me to call equifax to get the inquiry removed and equifax tells me to call XXXX  XXXX. Its a cat and mouse game with them and they wont just remove my inquiry off my report no matter what i do.
Consumer complaint received 2020-05-28
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. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 DEPT OF ED XXXX
Consumer complaint received 2023-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC (TX)

I am writing to inform you that your company, Monterey Financial, has violated the Fair Credit Reporting Act ( FCRA ) by missing transactions and payments on my account and transferring my account to your company without all the required documents and payment history as required by law in the United States and the state of Texas. 
Your company 's failure to properly document my account and its history violates my rights as a consumer and is not what I agreed to when I obtained the loan from you. I demand that you void out the loan completely and stop all collection efforts against me. 
Furthermore, your company 's request for me to provide proof of payments is also a violation of the FCRA. I have already provided this information to your company, and any request for additional information is not in compliance with the FCRA. 
Under the FCRA, a violation of this nature carries a fine of {$1000.00} per offense. In my case, there were five missing transactions, which means that your company owes me {$5000.00} for these violations. 
In addition to the {$5000.00} owed for FCRA violations, I also demand compensation for the time and effort required to provide you with the requested documentation. This amounts to four hours of my time at a rate of {$75.00} per hour, totaling {$300.00}. 
I expect your company to take immediate action to resolve this matter. If I do not receive a satisfactory response from you within 30 days, I will have no choice but to seek legal action to protect my rights as a consumer. 
I advise you that your conduct is in violation of several transaction laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Texas Debt Collection Act ( TDCA ). 
Thank you for your attention to this matter.
Consumer complaint received 2023-02-24
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: AMERICAN EXPRESS COMPANY (TX)

I have contacted this company and followed protocol for this account being compromised by a burglary/Identity theft several times and company failed to correspond to my concerns and has my identity and filed a police report and company still damage my credit by reporting inaccurate information. I want the information deleted from my credit report immELETEediately
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

GREEN TREE FACILITATED FICTITIOUS LOANS WITH TITLE THEFT TAMPERING AND THIS WAS DENIED WITH COMPANION COMPLAINTS FILED. DITECH FINANCIAL LLC/F/K/A GREEN TREE SERVICES LLC WHOSE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ARIZONA XXXX DID TRANSFER TITLE UNDER FICTITIOUS LOANS SCHEMES TO NEW RESIDENTIAL MORTGAGE LLC WHOSE ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX WITHOUT ANY PERMISSION, ANY AUTHORITY OR ANY KNOWLEDGE. I AM SOLE PROPERTY OWNER AND GREEN TREE AUTHORED, ENDORSED AND PREPARED FICTITIOUS PROPERTY LOANS WITH XXXX XXXX  FOR OVER THE AMOUNT OF {$300000.00} AND MOST LIKELY MORE FICTITIOUS LOANS.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (AL)

I had an unsecured credit builder card through a company named First Progress. I paid the card out, received a refund, and also closed the account in XX/XX/XXXX. I have a XXXX  balance on the account and it is still reporting as negative to the credit bureau XXXX as of XX/XX/XXXX. I spoke with multiple customer service representatives on different occasions with the most recent date on XX/XX/XXXX. I was told that I have a XXXX  balance in there system but they don't know why its reporting as 90 days late on my credit report. I was told to call one of their collection agencies named XXXX to see if they could tell me what's going on but they representative there said she couldn't find me anywhere in her system. It didn't make sense that a collection agency would have my Info since the account is paid in full, but I followed their instruction on that. I have documentation from my credit report to prove that this account is NOT 90 days late and that there is in fact a XXXX  balance. I would like for the company to send me a XXXX  balance letter to my home address XXXX XXXX XXXX XXXX, Al XXXX and also remove this account completely from all credit bureau reports.
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

Received a letter XX/XX/XXXX concerning an escrow account in which they reported an increase in my taxes and insurance. However, in addition to an increase of {$34.00} a month to cover the increase, they want an additional {$1400.00} added to my XXXX  mortgage payments and are unable to provide any backup as to why I owe it.

I have made several attempts to resolve. So far their explanation is that they had to pay off the home insurance company to keep my coverage after they FAILED to pay it the entire year of XXXX. I actually did not have insurance that entire year. I have several questions they seem unable or unwilling to answer : ( 1 ) Why am I responsible to pay anything AT ALL for the year in which I did not actually have any coverage? ( 2 ) What did they do with the money I paid into escrow to cover home insurance? ( 3 ) What is the supporting documentation to demonstrate where the supposed {$1400.00} debt comes from? They are now simply not answering my calls.
Consumer complaint received 2023-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have contacted this company and followed protocol for this account being compromised by a burglary/Identity theft several times and company failed to correspond to my concerns and has my identity and filed a police report and company still damage my credit by reporting inaccurate information. I want the information deleted from my credit report immELETEediately
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Hello, I opened a checking account with citibank last month, made an opening deposit of {$30000.00} from my XXXX money market acount for a {$400.00} bonus promotion. About 2 weeks later I got a notification from citibank that they had closed my account and that I would be receiving a letter in the mail with the reason why. It has been almost a month since then and I have received no letter. I ended up going into the branch and they told me the account was closed due to fraud. There has been zero fraud in my account and I even showed the citi banker the transfer that came out from my XXXX account to fund my new citibank checking account. Citi is now refusing to give me the money back and I fulfilled the terms of the promotion as well so I am also demanding the {$400.00} bonus that is due to me for depositing the {$30000.00}. There was no fraud in my account, I have used this XXXX savings account for almost a year now and have had no issues with any other bank. Please get this resolved with Citi, they are thieves. Everyone I speak to at Citi customer service hangs up on me. 

Thank you, XXXX XXXX