davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (ME)

I have a Toyota Financial car loan. Upon purchase, I set up automatic payments through TFS. Without informing me, TFS stopped the automatic payments. TFS does not send me paper statements even though I have called repeatedly and asked for them to be delivered. I can not access the online account even though I have called repeatedly about this issue. When TFS stopped my automatic payments, I was unaware that this had happened. TFS did call several times, but they did not leave a message. They just hung up. Because of the hang ups, I assumed that this was a scam call. They finally sent a statement for XX/XX/2020 when they had not taken out three payments. TFS charged me late fees and reported nonpayment to the credit bureaus. I did not stop payment ; they did. This is their error. If you read other complaints to XXXX  and CFPB, this is a commonplace complaint against TFS. The resolution I request is updating my credit report and refund of late payment fees. Please note : I have also filed a complaint with the XXXX. This has not resulted in a resolution.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

XX/XX/2022 I received email from Citi bank stating my thank you preferred card will not be renewed once it expires in XX/XX/2022, and reason is due to bankruptcy or other charge off account with citi. I do not have bankruptcy and I only see a charge off account from citi for {$200.00} from 4 years ago on my credit report. I never had a credit card with {$200.00} limit besides my very first secured card with Citi when I was young. Which doesnt make sense because I paid {$200.00} deposit in order to open that secured card. I recently opened dispute on this charge off with all 3 credit bureaus but have not yet hear any response back from Citi. Last four of the account that Citi wants to close is XXXX XXXX XXXX XXXX. I have had this card for over 7 years. I have been responsible using it, paying down the balance from over $ XXXX to {$900.00} and soon will pay this card off, for Citibank to just close my account like this due to a {$200.00} questionable charge off is ridiculous. I am trying to work on my credit, if they close this account it will have a huge impact on my score as this is one of my oldest positive trade line.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with XXXX XXXX XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus AND XXXX XXXX for reporting false information on my credit report AND defamation of character. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2024-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CT)

On XX/XX/year> I used my Citicards CC to make an online purchase for an XXXX with a merchant XXXX XXXX  XXXX XXXX  ) in the amount of {$2000.00}. All I received was an automated email confirmation of what I purchased from the merchant. After about a month with no response from the merchant, on XX/XX/year> I reached out to the merchant through email and their website chat bot with no response. On XX/XX/year> I called Citicards to dispute the charge. On XX/XX/year> Citicards reach out to the merchant. The merchant responded on XX/XX/year>. What they responded with was simply my information ( name, address, CC information ), the item I purchased and the description of the item. No tracking information or anything of that nature, obviously they never shipped anything. On XX/XX/XXXX Citicards decided in the merchants favor and reversed the charge of {$2000.00} back on my Citicards CC. Additional information was again sent to Citicards on XX/XX/XXXX without any resolution. Again, I have not received anything from the merchant XXXX XXXX. They have been totally unresponsive. Citicards reversed my dispute and is charging me the full amount of {$2000.00} without a tracking number or anything of proof from XXXX XXXX  showing that they ever fullfilled my purchase. My Citicards claim dispute reference ID number is XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Spring, Texas Laws Dear XXXX XXXX, I am writing to address the blatant violation concerning unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has come to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is required for such reporting activities under Section XXXX681b ( a ) ( 2 ).

In addition to federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair and accurate reporting of consumer credit information. Identity fraud laws, such as Texas Penal Code Section 32.51, also underscore the severity of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for XXXX AUTO to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, resulting in potential harm to my creditworthiness and showing disregard for both federal and state laws. 

I demand that XXXX XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be regarded as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes.

Obtaining consumer consent is not a discretionary choice but a legal requirement under the FCRA, Texas state law, and identity fraud provisions. This communication is a demand for compliance, not a negotiation, to protect my rights as a consumer from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that XXXXXXXX XXXX  will swiftly rectify these violations, ensuring full adherence to both federal and state regulations. 

Done in good faith.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (SC)

Friday I recieved something in the mail showing XXXX XXXX with my address that nobody is suppose to have except Government Agencies and my job. This person is my biological sisters name. Ive not given out my address to no body I just moved here XX/XX/2022. Yet it shows a card from Truist Bank thanking for my account. So I contacted the fraud department and they stated on the automated system for me to type in my social security card then it prompted me to put in my debit card info which I didnt know because I dont bank with this bank never have. Finally got a fraud specialist on the line and he stated that there was an account open in my name but refuse to give me any more information on it and stated he closed it out. But that wasnt enough because he didnt seem so sure about it when I asked to speak to his supervisor he refused to allow me to. Basically my sister name was linked to my residential address without my consent and this make over 10 times this has happened in the past 3 years. Everywhere I move or even with my XXXX XXXX XXXX her mail starts to come to my address. We have not lived together in decades.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX keeps on reporting inaccurate information to the reporting agencies. This account has been closed since XXXX of 2020. I had a back injury and had back XXXX. I had XXXX insurance with this company but they denied it saying they did not receive certain documents. This is one of the companies that sent this account over to an attorney office to collect in which they are. But they charged this account off in 2020 but still reporting it open on one bureau and charged off on the other which is a violation against FRCA.
Consumer complaint received 2020-10-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch (TX)

Good Day, hope is well. At this time I am stressed out about this account that has been hunting me for too long. I have contact over 12 different representatives, supervisors and managers that has given me the run around.

The account name is Kinum was agreed to pay cash up front and then finance the remaining balance. The remaining payments were paid in cash, debt card or credit card monthly directly to the store. After receiving a notification on my credit report, I contact the company directly. No one seem to see a remaining balance or anything going to collections. Another notification was received but yet no one could find the account beside one manager. He informed me that I had 3 payments left that were not calculated so I did not want any trouble or this account to report negative status, I went ahead and made monthly payment. The Manager assured me that once the payments are paid in full, the account would be removed from my credit report. This account was never removed from my credit report at all. It was reported to another credit bureau as if I owe another balance which is inaccurate information. 

With these action of reporting on my reports are inaccurate and very disrespectful to my character. The crazy part about this account is after speaking with multiple individuals, the account will be transfer from one credit bureau to the next as if the company is deleting the account from one and placing the account on another one. All I am asking is someone to get this right and remove this inaccurate information as soon as possible. My wife is XXXX. 

Hopefully someone will review this information fast before my wife gets upset again. 

Thanks for your time and handling this account soon.
Consumer complaint received 2022-09-26
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. (MO)

Under the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C 1681, Congressional finding and statement of purpose the credit reporting agencies XXXX, XXXX and Experian as all violated my right to privacy under section ( a ) ( 4 ) with no regard for fairness and impartiality. 

Per 15 U.S.C 6801 ( a ) XXXX, XXXX and Experian violated the laws of Congress by not protecting the publication of my nonpublic personal information. These three agencies all have the obligation to respect the privacy of its consumer and to protect the security and confidentiality of my nonpublic personal information. These instances of negligence as caused harmed to my Family financial well-being. 
Based on 15 U.S.C 6802 ( b ), I will opt out of all financial institution no longer disclosing my nonpublic personal information to XXXX, XXXX and Experian that are all nonaffiliated third parties. My financial institutions never disclosed this to me at any time in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party reporting agencies. 
I should have been given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties ; and given an explanation of how I can exercise my rights. 
If the reporting agencies does not intend to ensure my privacy, due to malfeasance. I have the right to seek remedy under 15 U.S.C 1681n, Civil liability for noncompliance.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, someone tricks us get to our credit card account. When we realize what was happening, we immediately call the Bank Fraud Dept. They lock the card.

On the XXXX, we went to a physical branch to ascertain the correction. We learned that a charge of {$200.00} x6 was put into our account ; Two ( 2 ) went through, four ( 4 ) were pending. They assured us that the four ( 4 ) were stopped, but we were not responsible for the two ( 2 ) because we called on time. On the XXXX, they remove the two charges. To our surprise, we received a letter on XX/XX/XXXX telling us, they reinstated the two ( 2 ) charges because the merchant provided documentation proving we received the merchandise. In essence, telling us we thieves and liars ... 
We have no idea what sort of merchandise is involved. They say the transaction was done outside of our city. We try to reason with them, just the 6 times repetition of whatever the purchase was should be a red flag. It seems that we are too insignificant to provide a convincing argument. So we resort to your office to intervene in such abuse of power ... .Sincerely XXXX XXXX XXXX
Consumer complaint received 2020-10-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

To whom it may concern. 

My full name matching my passport XXXX Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPAl and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

I believe PayPal acted in bad faith as a payment company, they have to offer the promised service. I believe that I was deceived and scammed by PayPAl and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you.
Consumer complaint received 2022-09-27
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. (AK)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AK XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AK XXXX
Consumer complaint received 2022-07-01
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: CORELOGIC INC (TX)

n accordance with the Fair Credit Reporting Act Bankruptcy XXXX  XXXX account : XXXX, XXXX, Bankruptcy XXXX  XXXX account : XXXX, have 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 an account without my written instructions