davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Loan via Toyota financial was closed and sold to XXXX XXXX XXXX XXXX XXXX  letter sent in XX/XX/2022 XXXX due to accident of nature XXXX car gone contacted XXXX advised loan closed sold to XXXX  XXXX contact XXXX XXXX did spoke with XXXX was advised did not repo did not have authority but call back Monday see if police can advise of repo police could not again called XXXX Monday XXXX advised call XXXX XXXX XXXX XXXX  said XXXX we can not repossess we are a debt collector XXXX Toyotas contacted again deferred to XXXX XXXX  XXXX to another toyota department again no idea where car is loan closed XXXX Tortola lm XXXX Toyota lm they did repo letter was written to advise XXXX although taken XXXX and toyota no XXXX XXXX owns loan that is under XXXX they sold the debit repo car wont give where property is
Consumer complaint received 2023-07-10
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: WELLS FARGO & COMPANY (NY)

i went on XXXX  to check my credit score and it says that i have a wells fargo credit card i have no knowledge of that accoount i dont have or havent had a wells fargo credit card ever the company disagrees of my complaint
Consumer complaint received 2022-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WV)

XXXX by student loan was consolidated with MOHELA from XXXX to take advantage of the temporary changes made to XXXX. I submitted my XXXX forms to XXXX XXXX as they were processing MOHELA 's XXXX forms at that time. I have had very little communication from MOHELA. I have XXXX payments made towards my loans however they are showing XXXX payment. 

I have also called on multiple occasions to make a XXXX time payment of XXXX and been put on hold for over XXXX hours XXXX days in a row and then MOHELA hangs up on me before speaking to a representative. This large payment needs to be made in the month of XXXX because I am also participating in EDRP through the VA medical center. In XXXX I sent emails to MOHELA and have not received a response other than " Your recent request has been received and is expected to be processed within the next XXXX business days. '' I received this message XXXX. 

MOHELA is not responding to its consumers in a timely manner.
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

To whom it may concern, We are issuing a formal complaint against United Wholesale Mortgage ( UWM ) who currently holds our mortgage and escrow account. We believe has violated the law under XXXX. Detailed below is the months long process of attempting to correct our escrow account, have funds owed to us refunded by the institution, and have our escrow payments revaluated to the appropriate amount required to make all payments ( property tax and insurance ). 
UWM practices are unfair to the public. As you can see, it has taken 13 calls to UWM to have our escrow account reevaluated, in the meantime, we are required to pay ~ {$600.00} essentially overfunding our escrow account. We still are required to write a letter to have funds owed to us returned, with no guarantee the funds will be returned to us, not documentation or letter provided to us as to the result of their investigation.

The definition of Unfair per the CFPB : A representation, omission, act, or practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material. 
An unsubstituted increase of {$600.00} a month in escrow funds is a significant impact to us the consumer. That amount is not insignificant and it carries a financial burden. In the information detailed below, it is clear the UWM staff mislead us, did not provide promised follow-up, failed to provide details as to the review of our account.

Although their UWM staff appear to be untrained, providing misinformation, and making promises they company cant keep, truly it seems as though the customer service is set up to deceive their customers. As outlined in the CFPBs definition of deceptive acts or practices : A representation, omission, act, or practice is deceptive when ( 1 ) The representation, omission, act, or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances; and ( 3 ) The misleading representation, omission, act, or practice is material.

It is clearly evident in the details below that the misinformation provided by UWM staff is purposeful, designed to confuse and frustrate people into giving up.

See attached letter for full description and timeline
Consumer complaint received 2023-09-29
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: Kikoff Inc. (NC)

I purchased an item from XXXX XXXX at the end of XX/XX/2023. Around the same time I had several fraud charges on my account. The valid charge for XXXX XXXX was accidently included in the dispute when I reached out to my customer service for my card. XXXX contacted me and advised if I could cancel the dispute they would go ahead and send my order as it was ready to be shipped. I canceled the entire dispute and received a letter from the card company stating that my dispute was canceled and that I would not receive any money back for the items disputed. I forwarded that email to XXXX. XXXX is being told by the card company that the dispute is still open and under investigation, but when I call they tell me that it's closed. Due to this XXXX has both my order and my money. I have called XXXX TWELVE TIMES and emailed a supervisor around six times, Im getting the runaround. The dispute was filed in XXXX, it is now XXXX.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc. I argued that you need proof that someone owes a debt before you ruin their credit and their life by placing fraudulent debts/ accounts on their credit report. Their verification per them was name address, dob and statement showing charges. This is not proof of a debt owed the company said that they verified my name and address etc, so its considered valid. They explained that I could not dispute again with in two years unless I could provide some sort of additional information than what I already provided. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency to report this as valid debt.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I redeemed my miles for cards for a total of {$570.00} based on Capital One venture rewards program. On approximately XX/XX/XXXX I closed my account. I never received my gift cards in the mail. Capital one rep confirmed they were undeliverable and they would submit a case to have them reissued. I never heard back, after calling back the following month XXXX, a capital one representative tried to issue me a check for my rewards for {$160.00} acting as if that would resolve the issue. When the purpose of my call was to get the status of the reissue of my gift cards. She acted surprised and escalated the case. I finally heard back from capital one in regards to my issue, they now want to issue me {$180.00} cash rewards in lieu of the gift cards which totaled {$570.00}. These practices are deceiving. I redeemed my gift cards prior to closing the account. Its not rocket science to be able to reissue what was done at the time of redemption. Capital one rewards program is a complete scam. The customer service act like they dont know what they are doing.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

Ok so i opened my account on XX/XX/2022 online then on the XXXX my aunt wired XXXX to me they went ahead started blocking my account i verified everything. Thet comtinued to put road blocks up so i couldnt accesx my money then they said that i had 10 days to verify my identity or my account will be closed when j verified my identity on the XXXX theh said now u need to verify the transfer was intended for me so i sent the will then tbey said ok we still need you to verify my address but this id the first time they told me thsr so on the XXXX i again verified everything but now they say oh we need 2 more business days to verify the papler work im still without my monry then on the XXXX they closed mu accouny because it took longer then 10 days but thr XXXX was the tenth day the day i turned it in. Theg said they didnt get anytgung untill XXXX wich is a sun now on the XXXX theg reopened my acciunt but still did not want to give XXXX my monet my ins registration and ither bills are noe past due but im sstill broke
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern : Ive called XXXX XXXX XXXX, spoke with XXXX, then with XXXX at XXXX XXXX XXXX, then I was connected with a XXXX at XXXX XXXX at XXXX XXXX XXXX, then again with a XXXX at XXXX XXXX XXXX, then transferred to XXXX when I spoke with a XXXX XXXX at XXXX XXXX XXXX, then XXXX at XXXX XXXX XXXX and lasty with XXXX who confirme the account was paid per the agreement and closed on their end but this part was not communicated to XXXX. 

I am at my witsend at this point, Ive tried to resolve this cordially but now I am forced to file a small claims suit against both parties. Unless the account and tradelines are removed, the following suit will be filed in 15 days. This is unacceptable and a violation of Rosenthal Fair Debt Collection Practices Act. 

If XXXX fails to notify the credit bureau within 15 days of receipt, I will institute legal proceedings due to the breach of contract. The action taken by XXXX and its agents is in violation of the Fair Debt Collection Practices Act. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) Also, be advised that the undersigned is keeping accurate records as noted above of all correspondence from you and your company, agents, and assignees, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX. 

The debt has been disputed. Feel free to contact the undersigned at the number below to discuss a resolution. Thank you for your time and attention to this matter.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2022-09-10
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: EQUIFAX, INC. (MN)

lam a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times, I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope things is okay with you. Regarding these accounts below, I am writing this letter. I'm being greatly impacted by it, which is on my credit record. According to my credit report, these accounts are there because I was the victim of identity theft and my information was stolen.
Consumer complaint received 2022-12-02
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. (OH)

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX  Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days of the first contact.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am contacting you to formally request the blocking and deletion of certain hard inquiries listed below from my credit report, as I am a victim of a recent data breach that has exposed my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), consumers are entitled to protections when identity theft occurs, and I am requesting immediate action to block and delete these unauthorized inquiries. 
Inquiries : 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-08-23
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. (LA)

I have no relation to this fraudulent account titled XXXX/DEPT OF ED ( XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I have not received any service or product from XXXXDEPT OF ED ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED ( XXXX  XXXX XXXX XXXX XXXX XXXX is a fraudulent account and is inaccurately reporting on my credit report. I can not assume an account I know nothing of to be mine. Due to XXXXDEPT OF ED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX inaccurate reporting I am a victim of identity theft as someone in that organization is using my information without my authorization. XXXXDEPT OF ED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, and I don't know who they are. After way too many attempts to contact them, they failed to disclose an agreement or reply. I addressed this matter to them in writing XX/XX/XXXX and sent a follow-up notice XX/XX/XXXX and another one XX/XX/XXXX and still have not received a response. Within Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act and also My privacy and confidentiality is at stake because of this false reporting. IN REGARD TO XXXXDEPT OF ED ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A. according to the section my rights of privacy are recognized. under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXXDEPT OF ED never had any instructions from me. 15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. I never authorized XXXX/DEPT OF ED to make such reports. 15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. ( a ) duty of furnishers of information to provide accurate information. inaccurate information is being reported by XXXXDEPT OF ED. I NEED THIS ACCOUNT DELETED. 


I NEED THIS ACCOUNT DELETED FROM MY CREDIT REPORT
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complain for you to know that I am a victim of I identity theft. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please delete the following items I am concerned of : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.