davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I contacted TransUnion about the following accounts that are reporting past due balances on accounts that are charge off which is a clear error on the reporting ; XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$40000.00}, XXXX XXXX ( Date Opened:11/29/2018, Balance : {$400.00} ), XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance : {$19000.00} ) and XXXX XXXX XXXX ( Date Opened XXXX XX/XX/XXXX, Balance : {$7600.00} ). They are also reporting a collection account from XXXX XXXX ( Date Opened:XXXX Balance : {$300.00} ) that I don't recognized and that the bureau failed to validate as I request multiple times. Attached is the previous letter I sent to the TransUnion. I also have the certified mail receipts that I can provide if necessary.
Consumer complaint received 2021-07-26
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: Bread Financial Holdings, Inc. (CT)

3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts. 

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX
Consumer complaint received 2022-07-22
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

I have a car loan with TOYOTA MOTOR CREDIT ( XXXX XXXX ) and I was using their new FINACIAL app to pay the monthly installments. However, due to an error in their FINACIAL app, I was paying more than double the monthly installment to the extent that the due date on the paper statements, I received from the company, was three months from the statement date!! My XXXX credit report shows that the reported monthly installments by TOYOTA MOTOR CREDIT was XXXX on some months which means that the account was over paid!! 

I contacted TOYOTA MOTOR CREDIT ( which also takes care of XXXX loans, like mine ) and they admitted that their FINACIAL app was not working properly and they waived the late fee on my account as I told them I had to stop using their app for payment until I avoid any over payments from my Bank account, during the course of such switch, a payment was not promptly sent!!. 

The credit report history for my payment with TOYOTA is Crystal clear and shows the over payment on the account. 

Now the payment is current without any over payment since I stopped using the app and started paying directly from my bank account. 

I disputed the late payment with TOYOTA and they apologized of the false reporting of the late payment on the account without admitting to the error on their newly developed app. 

I need my credit report to be cleared from this late payment as I explained the reason behind it earlier. Also, I have other revolving accounts on my credit report that are all have perfect status.. 

My credit was more than XXXX before reporting the late payment and it is now XXXX!!
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-05-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (LA)

In XXXX XXXX, I received a letter from XXXX XXXX XXXX XXXX, that they were going to waive my prior debt, in order for me to continue school. As prior, I had to leave school, due to personal tragedy in my household. 
I was told the debt would be waived, in time for me to register for classes in XXXX. However, the debt was not cleared by that time. The classes I registered for, were dropped due to the debt still remaining. After contacting my Advisor of the issue, she assured me that, I would be able to start classes in XXXX, instead. In late XXXX, the debt was still not cleared. I did not plan to attend classes, in XXXX as promised by my advisor, because the debt still had not been cleared. I planned to start in XXXX instead. 
Suprisingly, after about a week into the new class semester, I received an email, stating that I was behind on assignments. I was in shock. I had not idea that I was registered. My advisor had not followed up with me, to verify that I was still prepared to take classes, at that time. Unfortunately, I was not, as my word load, at my full-time time had, grown. 

However, having dealt with XXXXXXXX XXXX XXXX and having dropped classes, before, ( reason for my prior debt ) I know that the school still holds the student responsible for the costs of those classes. I tried my best to complete the work, though being a week behind in assignments. Eventually, I had to withdraw, it was too much to catchup on. Though I felt it was not my fault. I received federal student loans and grants, to pay for classes. The school says that I am responsible for classes that were already paid for, by me, via student loans. 

After speaking with someone from the collection department, at the school. I was told that I could dispute the debt. IHe told me that he would email a dispute form. I never received the dispute form. 

Here, we are on XX/XX/2023, and I receive a notification that the debt was added to my XXXX credit report, on XXXX XXXX. I received no other communication from the school. I didn't receive the email with the dispute letter, not did I receive a letter stating that there was a possibility, it was going to collections. The school has my updated information, yet I received nothing in the mail, giving me t the ability to respond. The debt was sent straight to reporting at the bureau. Which is against my rights.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Why do you refuse to get your hackers out of here and stop them from remoting into my phone?!!! They are purposely bricking my battery on my phone so that it can't charge even when plugged in! They are purposely slowing down my internet to s standstill when I'm trying to use these apps to go out and earn money! I have XXXX! This is discrimination! There's no reason for them to be remoting into my phone and purposely tying me up like this. I shoulnt have to go find a public computer to report from just be able to go online and do things like look for a job. This phone I am using only shoes them with a red light on when they are remotes in. I barely got my phone on and I'm still having to deal with your hackers you have remoting into my phone and laptop preventing me from doing anything. Get your hackers out of my electronics! Get them out of my phone! Get them out of my laptop! They don't belong her! Leave me the XXXX alone!!!
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (DE)

XXXX XXXX made unauthorized payments on my account as shown in my last dispute and I had evidence. I have yet received any of that money back. Also the judgements and paperwork that was sent to an address that is not me and at an address I don't live at in another state. The person that is described in the paperwork is not a description of me I don't know who that is or who address that is. Please remove this debt. The person description given that is described in the documents is not me. I am pretty sure about it. And I don't live at any of the addresses that I provided. I am not caucasian, I don't know who they are talking about or who address that is. Its definitely not mine. I don't even live in GA. I bet if you send me a letter I won't get it, because I don't live in Georgia nor lived at any of the address I provided when you sent those " letters ''. I never even heard of cooling and law.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (IN)

On XX/XX/2022 I contacted Navy Federal Credit Union she I ask if I paid the money I owed them from a previous account that had defaulted would I be able to establish a new account in good graces. I was told yes by XXXX different Navy Federal employees on a recorded line. I had also spoke to server Al Navy Federal employees previously about the same matter with the same response. Yes you could re-establish your account. So after making the payment I did just that I re-established my account with my debit card being on the way. I received a phone call this morning stating I was misinformed by the agents and I could not open my account back up. I also talked to XXXX XXXX a representative for Navy Federal and was told I was able to now open an account. I was offered a settlement account from them but was told if I wanted to re-establish I had to pay the amount in full. I spoke to the supervisor is morning and she stated there was nothing she could do but close the account that had already been backed open by their representative.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion without my permission pursuant 15 USC 1681 ( B ) furnish information on my behalf. They also violate another federal laws stating They CAN NOT report/treat a payment on an open-ended credit plan as late for any reason per 15 USC 1666 ( B ). That exactly what they did with 3 negatives reporting on this account : XXXX XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX of listed late payments
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: Experian Information Solutions Inc. (OH)

I am being taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I was denied a home and car while making over the required amount to manage. I am in School and due to covid-19 and this pandemic I do not have proper resources to manage. So you have hurt my ability to obtain credit.
Consumer complaint received 2022-02-10
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. (MA)

There is a " Hard Inquiry '' from US SM BUS ADMIN ODA - inquired on XX/XX/2020 This inquiry was not requested, nor authorized by me and I did NOT have any knowledge of. 

What is this? 
Did anyone benefit from this? Fo I did not.
Consumer complaint received 2019-09-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

Security credit services account # XXXX have no knowledge of this account. Account is not mine. I have contacted them and XXXX and all credit Bureaus. None have contacted me back with any documentation proving the account is mine as of the fair credit act. I have asked in writing and online for proof of documents and still have not received anything. It has beem months of me going back and forth with XXXX  and other credit companies. I need this account off my credit. It has impacted my credit to have late payments and credit score is also impacted. XXXX keeps updating the account everytime i dispute it but they cant prove its mine and everytime i ask for documents proving its mine, they dont reply back with any information. I feel that this is neglegents from XXXX. The account needs to be deleted from my credit as soon as possible.
Consumer complaint received 2021-09-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On or about XX/XX/2021 I mailed a demand letter to Experian, regarding alleged accounts on my credit reports of which I am not familiar because the account numbers states. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX notified Experian in the letter that pursuant to the FCRA 623 of their responsibilities and pursuant to FCRA 611 ( 15 U.S.C. 1681I ) Procedure In Case Of Disputed Accuracy they are to investigate and delete any inaccurate information on my credit report. 

As of XX/XX/2021, I have not received any response regarding my demand letter.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (SC)

This is a written demand to President XXXX XXXX and whoever is liable for the legal fiction Continental Finance Company that as a consumer and the original creditor I am exercising my right of rescission. I rescind all signatures, endorsements, and consents there of. I was not disclosed certain information about the finance charge. I the consumer nor XXXX XXXX is the grantor after this communication. Release the credits, pay and or off set the taxes, and pay me the debt owed.
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I decided to rent an apartment for my upcoming university years from XXXX to XXXX. I saw this apartment listed on XXXX with the rent per month is {$900.00}. I emailed the landlord, he provided me the contacts information so we can be in contact ( the email : XXXX with his phone number : XXXX ). In his first email he said he has stage XXXX XXXX so we can't call him, only contact through emailing and texting. In that very first email also, he said his wife passed away, this is his and his wife 's house so he needs someone is responsible that can take care his house for him because he is now living in XXXX  so he can be able to live with his family, money is not a problem right now to him. We felt genuinely bad for him so we agreed that i have to pay 2 months which is the first month and the last month ( {$1800.00} ) and a {$1000.00} security deposit. I transacted him {$2800.00} with {$2000.00} on XX/XX/XXXX and {$800.00} on XX/XX/XXXX ( He emailed me and texted me everyday, rushed me to send him the money. After that, we already signed on a lease agreement. Later, he emailed me that his lawyer found someone to pay 8 months of rent and asked if we pay them 4 more months rent, they will keep the apartment for us, he emailed me everyday saying things like please, I want you to be my tenant or we already came this far, paying the last time and we will be done. I was stupid and did not see his bad intention in which I sent him 4 more months rent on XX/XX/XXXX ( the total {$3600.00} ). He said he will send me the keys and documents for the apartment. It never happened, the assumed landlord put the package in USPS on-hold and demanded 2 more months of rent to be able to send us the keys and documents, and we did not agree. I sent him several emaiIs and texts about our decision and asked him to send us all our money back, he only emailed us back after several days after many emails I've sent, he begged us to send more money so we can finish and receive the keys with documents ( different than when we have to send him the money, he emailed us every single day ). I sent him many other emails for him to transact our {$6400.00} in total, he did not send any emails back. I texted him many times through phone number, he ignored it. I called him several times and each time, he declined my call and later that day, I found out that he blocked my phone number and everything. I believed he used this phone number for scamming since the one he used to register for the XXXX account for this email ( XXXX ) is a completely different phone number that ends with XXXX.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I consumer did not consent too nor authorize these inquiries that are reporting to my EQUIFAX consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from EQUIFAX. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Equifax an identity theft report via XXXX certified mail. How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. EQUIFAX humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If EQUIFAX can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Equifax let concur on my consumer report. EQUIFAX stole my identity and sold my private information without prior consent. I have a right to privacy and Equifax violated my privacy
Consumer complaint received 2021-10-03
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: Experian Information Solutions Inc. (MI)

delete the following inaccurate, contradictory information in my file. am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


The items Listed are against your guidelines and break multiple laws under the Fcra like section ( A ) 609 I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-02-10
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE CLOSED MY CREDIT CARD IN XX/XX/XXXX AS STATED ON XXXX 'S STATEMENT. THEY HAVE CHANGED DATE ON MY CREDIT REPORT 3X BUT HAVE NOT REPORTED DATE THEY TOLD ME IN WRITING THEY COLSED IT. THERE WAS A BALANCE ON ACCOUNT AT THE TIME OF CLOSING. THWY THEN REPORTED A LATE " CREDIT CARD PAYMENT '' IN " XXXX ON A CLOSED ACCOUNT. 

IN XXXX OF XXXX I MADE A PAYMENT. 

ONCE CARD IS CLOSED THERE IS NO LONGER A " REVOLVING DEBT OWED '' AND NOT 2 MONTHS... 

THEY ARE KNOWINGLY REPORTING WRONG INFORMATION. THIS HURTING MY CREDIT AND SCORE. I HAVE DISPUTED WITH XXXX AND XXXX XXXX THWY ALL CLOSE DISPUTE AS RESOLVED AND UPDATED ... YWT ONLY UPDATES ARE CHANGING OF DATES WHICH STILL ARE NOT CORRECT. THEY HAVE NOT ADDRESSED ANY LATE PAYMENT ISSUES IVE DISPUTED. XXXX LATE PAYMENT IS STILL THERE. AS WELL AS A LATE PAYMENT ISSUES XXXX - XX/XX/XXXX WHERE I WAS INCARCERATED  ... SENT MY UNCLE IN TO A STORE IN XXXX AND XXXX OF XXXX WITH A NOTARIZED POWER OF ATTORNEY WITH CAPITAL ONE LISTED EXPRESSLY AS SOMETHING MY UNCLE WAS AUTHORIZED TO HANDLE FOR ME... THEY REFUSED HIM ANY INFO ABOUT MY ACCOUNT ... WOULD NOT TAKE MY PAYMRNT... THEY TURNED DOQN MY MONIES WITH LEGALIZED DOCUMENTATION AND A VALID ID ... .THEN THEY PUT ME DOWN AS BEING LATE. PLEASE CONSUMER CREDIT HELP ME HERE AS I FOLLOWED LEGALIZED WAY TO GET THEM PAID. AND THEY REFUSED TO TAKE MY PAYMENT. HOW AM I LATE IF YOU REFUSE MY PAYMENT. HOW IS THAT ... YOU REFUSE MY PAYMENT ... .LEGALLY NOT ABIDEBY DOCUMENTATION THE COURTS SAY IS VALID IF SIGNED AND NOTARIZED AND ID MATCHIND NAME IS PRESENTED ... .SO THEY BASICALLY TURNED DOWN A PAYMENT FROM ME... BUT I AM LATE ... HOW CAN THAT BE LEGAL OR EVEN FAIR. IVE HAD XXXX  FRIENDS DO THE SAME AND THEY WERE HELPED ... .ID HATE TO THINK SAY AND OR TELL PEOPLE THAT THIS WAS SOMETHING RACIST ... .HE WANTED TO MAKE A PAYMENT ... EVEN TOLD REPRESENTATIVE THAT HE DID NOT NEED INFO... HERE IS MY INFO... JUST MAKE PAYMENT... AGAIN REFUSED ... .BUT ... NOW ... I AM LATE. PLEASE HELP ME ....
Consumer complaint received 2021-09-27
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: Porania, LLC (NJ)

i want to removed these accounts : 1. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.