davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

In XX/XX/2020 I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ). I completed the paperwork for this truck, which included financing through Toyota Financial Services ( TFS ). The truck was located at a different dealership and I was told that I could take ownership of the truck the next day. However, the other dealership sold my truck to someone else later the same evening as my purchase. 

XXXX XXXX XXXX was eventually able to locate another truck with similar specifications and I purchased that truck the following week. Similar to the first truck, I used TFS to finance the purchase. 

I refinanced my loan through XXXX XXXX XXXX XXXX ( XXXX ) once I received the first statement. However, following the refinancing I kept getting statements from TFS. Upon some research I determined that the dealership had never canceled the loan for the original truck that I did not take ownership of and I actually refinanced the loan for the truck that they sold to someone else. 

I have been working with the dealership and TFS for about 4 months to try to resolve this issue. However, I now somehow have three loans through TFS for XXXX  a XXXX XXXX  in addition to the only valid loan through XXXX. I have spent hours on the phone with the dealership and TFS. TFS has hurt my credit rating by reported the loan as delinquent and put my security clearance at risk. 

I feel that I have been too patient for them to correct their error. TFS has failed twice this week to follow-up as promised. Ultimately, I feel like I need to reach out for help now that their lack of effort to fix the situation is potentially threatening my career.
Consumer complaint received 2022-03-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A SBA LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS
Consumer complaint received 2021-11-24
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. (NC)

any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card.

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below.

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OH)

On Wednesday, XX/XX/2022, I contacted FedLoan Servicing due to President Biden 's loan forgiveness announcement. I saw on the XXXX XXXX XXXX website that we were able to request a refund for payments made throughout the payment pause that started in XX/XX/2022. The customer service representative entered the refund request of up to {$10000.00}. I was told that the request had gone through and that I would receive an email confirmation within XXXX hours and further information in approximately XXXX weeks. I have not received an email confirmation and there are no updates on my loan account. I called a second time on XX/XX/2022 and the representative was unable to provide me with a status update or confirmation number and could only tell me that my information " is in the system ''. This concerns me because the application for student loan forgiveness has started but I can not apply or receive forgiveness until FedLoan Servicing processes my refund request and reinstates my loan.
Consumer complaint received 2019-05-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her health care expenses. I fell on very rough times after she passed away, and was unable to make my student loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. 

Im not proud of this black mark on my record, but its the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AL)

I have tried to get in contact with both comenity bank and alliance data card services the letters I have sent have yet to produce a response there are multiple inaccuracies on my credits from this company such as date opened, the balance and the date last active. The payment history is also incorrect as well I have never been late with this company I spoke over the phone with a representative and set up auto-pay so how can I be late if it was not drafted Ive tried over and over but still have not gotten any relief I would like the late payments reporting removed from my credit profiles
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a Bank of America XXXX Rewards card with almost XXXX rewards points. 
Without any warning, BOA closed my account because they claimed I had not used it. 
This is a travel card and clearly in the current pandemic, I was not travelling and I had other things to think about. I believe they could have sent me a warning that they intended to close my account but deliberately did not do so in order to defraud me out of the bonus. It's not like they only wanted to send minimal communications ; they sent tons of emails about other things. 

After the card was closed, I did receive a letter saying I had 90 days to claim the rewards points and I have tried to do this several times. I have been on the phone with them about this which requires a long hold period only to be hung up on ( accidently? ) when i finally reached an agent.
Consumer complaint received 2020-12-11
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: Experian Information Solutions Inc. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 1. XXXX XXXX on XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XXXX ( Reported Identity Theft )
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing regarding a direct deposit that was issued to my account that does not belong to me. I have repeatedly called customer service to advise them that this direct deposit was incorrectly posted to my account but they do not understand. American Express needs to return this deposit back to the originator as soon as possible. 

The deposit was posted to my account on Friday, XX/XX/2020 in the amount of {$2800.00} from Government Direct Deposit. American Express should check the INDN, this does NOT belong to me and I inadvertently used the funds that were made available. Please debit my account and return it back to the sender.
Consumer complaint received 2022-03-27
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. (VA)

Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681. Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws. 

My information was compromised in the 2017 Equifax Data Breach and I have made that very clear to Equifax. I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b.

The three companies are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that XXXX  XXXX. I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. 

They willingly continue to break the law and they do not even add in files that I have sent to have on my record. These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.
Consumer complaint received 2019-05-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter to Experian on XX/XX/XXXX. In the letter, I asked them to investigate errors on my credit report. They were supposed to send me the results of my investigations within 30 days, but I never received anything from them. I can only assume their response was lost in the mail.
Consumer complaint received 2024-08-11
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. (GA)

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.

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

DEAR EXPERIAN! 

The company XXXX XXXX XXXX ACCOUNT # XXXX has been harassing me with letters, phone calls, etc. With numbers that are from my area code to get me to answer. Each time it has been worse and worse with the debt collectors being rude and demanding to setup payment plans. They have been reporting my debt to the credit bureaus as well. I have just recently been updated that they are reporting false information to my credit history and continue to report falsely via mail. This company is only reported on Experian. I need this account to be removed from my consumer report. It is causing me stress and making my life so hard to with this account on my consumer report. I have asked them to send me an agreement with them where I had signed a contract with them and they send me something in the mail that I don't even understand what is it. I NEED THESE PEOPLE OR DEPT COLLECTOR TO DELETED FROM MY EXPERIAN CONSUMER CREDIT.
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sequium Asset Solutions, LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3  accord and XXXX Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-12-11
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

There are inconsistencies with the method that AMEX uses to charge late fees and interest. 
I have paid my bill in full consistently at the end of every month for 18 years with AMEX. This year they started charging late fees and interest in XXXX. When I spoke to the company, they explained that my payment is an advance payment for the coming month. 
This is incorrect because my payment has always been applied to cover the charges made in the last month. 
For some reason, starting in XXXX of this year, my payment was considered to be an early payment for the coming month, which made my payment for the past month late every month. This sounds very confusing and deceiving to me, and still don't fully understand it. 
Again, this problem just began in XX/XX/2020. Up until then I had no problems with late fees or interest.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/2023 Hello XXXX, XXXX, and Equifax, I disputed XXXX XXXX, XXXX XXXX on XX/XX/2023 and everything came back verified. 

How is that possible when the date opened is incorrect for both accounts, and the account status is also incorrect on both accounts they are supposed to be closed. 

Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. 


Sincerely, XXXX XXXX
Consumer complaint received 2019-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (FL)

My expartner took a loan out with Santander online utilizing my records and I was under the impression that it was not me until one day that we had separated and they called me to collect the car payment and I directed them to his phone and advised them they had the incorrect information. At which point they were extremely rude and started to offend me and call me a liar and and deadbeat over the phone and that I needed to take care of my responsibilities. I have not been able to get ahold of either one of them since the day him and the car went missing. I have spoken to both Santander and the dealership the car was purchased from and I fear that they had an inside person in the dealership to approve such a transaction. I've tried to call and explain this to them several other times and now they are being nasty calling at all hours of the night and speaking about my information to people I associate with. I have hired an attorney which advised I file a formal complaint with all three  credit bureaus because in accordance with the FDCPA they are violating my rights. I will be officially recording all conversation and documenting all calls moving forward as recommended by my attorney to file suit in this matter. Any assistance you can provide will be greatly appreciated. I have gained the support of both Of the other Bureaus to assist me in the matter if you can please reach out or would like to have my attorney contact please advise. We have submitted paperwork via certified mail for proof but calls and threats are becoming to frequent. Thank you again for your help in resolving this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX PS. That is my correct address not the other which they keep challenging and will not let you correct. If you can help with that as well I greatly appreciate.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX XXXX, 60 as of XXXX and XXXX, XXXX, 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX, and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.