davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On XXXX2021. After receiving mail from Toyota Financial Services with a statement balance, I sent Toyota Financial Services, requesting Validation of Debt pursuant to the Fair Debt Collection Practices Act on what was being reported to the Credit Reporting Agencies { Exhibit 1 } On XXXX2021 Toyota failed to respond in accordance with 15 USC 1692g ( b ) to produce any evidence which is a direct violation of Federal Law. { Exhibit 2 } Also, Toyota Financial Services ' written communication with a consumer didn't disclose that Toyota Financial Services was a debt collector attempting to collect a debt pursuant to 15 USC 1692e ( 11 ) In the same written response Toyota Financial Services stated false actions that didn't produce any evidence. Such actions from Toyota Financial Services was an attempt to lead to false belief that the alleged debt being reported to the Credit Reporting Agencies had been researched by their records they failed to produce. This is a violation of Federal Law pursuant to15 USC 1692j ( a ) Toyota Financial Services is also in direct violation with 15 USC 1692c ( a ) Communication in connection with a debt collection with their initial communication. 

Today, XXXX2021, I'm sending Toyota Financial Services my Affidavit of Truth along with Cease and Desist and I invoked my right to specified remedy. ( SEE Attached )
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted dispute letters to XXXX, XXXX, and Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about many accounts that I believed were reporting inaccurately and/or fraud. Each agency has failed to reply back.
Consumer complaint received 2022-06-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL (TX)

i sent a payment for services on XXXX  and the merchant didnt use venmo anymore and I had no idea, so i paid the merchant through XXXX XXXX expecting that XXXX  would cancel the transaction because both me and merchant requested the cancellation but sense merchant owed XXXX, they will not cancel the transaction, but its not my fault the merchant owes XXXX, regardless if the merchant and buyer are asking for a cancellation it should be cancelled, but they are not going to cancel, even after showing proof payment by other means such as XXXX as I did. please have XXXX  release my account and unfreeze it. GOD BLESS
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I began a refi with XXXX XXXX in XXXX, with targeted close date of XX/XX/XXXX. Every document and request was completed within XXXX. Delays occurred due to title seeking a subordination on a loan ( second lien position for solar ) that was to be paid off during the refi. It took multiple escalations to resolve this. Finally in mid-May we were looking on track for closing. Closing did not occur. Finally approved for closure on XX/XX/XXXX, met with the notary and we signed documents. On XX/XX/XXXX when I found that the loans had not been paid off, I tried to make the XXXX payment due with the secondary lender, but everyone was closed due to the holiday. On Monday, XX/XX/XXXX, XXXX requested that I make the XXXX payment to XXXX  ( 2nd ) and show proof the loan was paid through with a XXXX due date. I called XXXX to make the payment and provided proof of this, along with a refreshed payoff statement to XXXX. As of XX/XX/XXXX, funding has still not occurred, and both the primary and secondary loans that were to be paid off yet sit past due. Today XX/XX/28, I am being asked for more verifications and the loan is back with underwriting. 

Additionally, I have asked for a supervisor at multiple points in the process as challenges were encountered. It is evident that the complaints framework is not in line with industry standards. I never reached a supervisor.
Consumer complaint received 2021-06-28
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: Nationwide Recovery Systems, Ltd (CA)

I have two charges from " Nationwide Recovery Sy '' XXXX on my credit report from Experian. ( {$69.00} XX/XX/2021, & {$89.00} XX/XX/2021 ). 

I call to determine what the charges are for and they tell me they are related to something medical in Florida, but can not tell me more. They also have the name XXXX XXXX but my social security number. That is not my name, nor have I had any XXXX XXXX in Florida. Someone has tried to steal my identity. Nationwide Recovery admitted this was wrong and claimed they would contact the credit bureau to have it removed. But they did not do this. I called them 3 times since then and the call is getting dropped.

I feel as if this company " Nationwide Recovery Sy '' clearly is following bad practices and when they see they need to make a correction to fix bad claims they just act by intentionally dropping the call.
Consumer complaint received 2021-08-12
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: AMERICAN EXPRESS COMPANY (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on XXXX  and XXXX.

1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

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

3. Identity Theft AMEX Account Number : XXXX This is not mine.
Consumer complaint received 2022-06-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NY)

Collection notice Date : XX/XX/XXXX Amount : {$7700.00} includes interest Creditor name : XXXX XXXX, XXXX / XXXX XXXX XXXX XXXX. 
Collection Agency : Hunter Warfield On XX/XX/XXXX with index number XXXX a lawsuit was filed in the Supreme Court on NYS. The lawsuit is regarding poisonous chemical exposure and the presence of mold in the apartment I rented. I had to vacate the apartment immediately. The rent was fully paid up to XX/XX/XXXX the day I vacated the apartment. My lease was to expire on XX/XX/XXXX. XXXX. 

The collection agency was notified by Mr. XXXX XXXX, my guarantor on XX/XX/XXXX of that there is a lawsuit pending following a collection notification against him as well. 

I called the collection agency today after the receipt of the letter. At first they hang up on me and after subsequent call they notify me that they will not discuss that issue with me but with my attorney ( causing me to spend money on legal fees ). 

The letter I received from the collection agency is misrepresented and deceive the consumer stating that the department of consumer affairs phone number is attached to the letter- XXXX XXXX. When I called that number its the number of Hunter Warfield, the collection agency. 

If lawsuit was filed against the creditor on XX/XX/XXXX why the collection agency proceeding with unlawful collection in XXXX from me and my guarantor. 

The collection agency notified the credit reporting companies to affect my credit and Mr. XXXX credit. 

See attached documents. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (TN)

I have no knowledge of this account. Account established XX/XX/XXXX {$4200.00} XXXX bought by collection agency Cavalry SPV I, LLC, I placed a fraud alert on my credit XX/XX/XXXX. I was recently served a warrant for court with an address to a residence Ive never lived at nor do I know of anyone who lives at that address. I called a 3 credit bureaus to file a complaint/dispute. I filed a police report as well.
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

This complaint bears on my previous complaint no. XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) presented the same response that Fair Credit and Outsourcing ( FCO ) has presented to the Consumer Financial Protection Bureau ( CFPB ) to the banks that issued the credit cards and lost its cases simply because the rental application I signed is void as a matter of law. The application was rendered void because XXXX failed to disclose certain material facts it was required to disclose at the time I signed the application. Both the banks that issued the credit cards agreed with me and credited back the disputed amounts. 

Having been unsuccessful in convincing the banks, XXXX is now attempting to use FCO to convince the CFPB. In its response to my previous complaint, FCO did not address the issue of whether XXXX failed to disclose certain material facts when I signed the rental application, a failure that renders my application legally void. The facts that XXXX failed to disclose but that I came to know after signing the application are known to XXXX XXXXXXXX should have conveyed the nature of the credit card disputes to FCO, but it did not. 

In essence, the application I signed is legally void and I do not owe any debt to FOTA or FCO.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

CFPB, you all are supposed to assist especially if the credit bureaus are not doing their jobs and I am not understanding. This is my 3rd time asking for assistance with my credit and no one is responding back to me nor investigating my disputes.. The below items does not belong to me and I am trying my best to try and buy me a house but this negative debt is hindering me. Can you all investigate these items and either provide proof of my signature or delete them. Thank you. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Consumer complaint received 2021-08-13
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've sent several letters over the past six months and there has been no change in my report. I am requesting that this is removed from my report. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX  XX/XX/XXXX Experian XXXX  AC XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX/XXXX XXXX-XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  US SM BUS ADMIN ODA XX/XX/XXXX Experian XXXX/XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian CLARITY SERVICES XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian EXPERIAN XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One sent me an email to inform me that the benefits with my cards such as Price Protection and other things were ending in XXXX. I have three cards with them and really only wanted to keep my longest-held card because of the effects of my credit score. I was very specific with the person I spoke to. I asked her about other cards if it was possible to transfer to a different card keeping to the original card opening date, I asked her the different annual maintenance fees, she said this was due in XXXX. It was at this point after she had read me the disclosure about closed accounts not being able to be re-opened that I said, close the other two but leave this one open for now. I know that if your agency listened to the recorded call you would clearly, with absolutely no mistake see that this is the exact opposite of what I asked to be done. I feel they won't reopen it because when they listen to the call they will see that I don't intend to use it much because of the lack of benefits. And, I don't trust them now after this. I told her to close the two smaller ones that I hadn't had long and to absolutely leave open the largest that I have had since 2014. Ending in XXXX. We went over all three cards and I was very clear. 

XXXX my surprise when I went to use it only a day later and it was denied. I went to the online site to find that she closed that account and left the other two open. There is no way she could have misunderstood me. I feel she did it on purpose. I am very very angry. My credit score is around 800. I have worked very hard to get it there and I already received notice from XXXX XXXX that it has a big impact. I contacted Capital One and I told them to listen to the recording. I however don't feel that they will do the right thing. I haven't had a balance on any of the cards in about 1 year or so. I pay my cards off in full each month and mostly use my XXXX XXXX and XXXX XXXX. I was wanting to find a card with price protection and also purchase protection as I was just stolen from and after at least 20 emails and phone calls back and forth with XXXX they still messed that up. 

If Capital One in any way has affected my credit score what can be done. Again, I am very angry and they tell me they won't even be able to have an answer for at least 10 business days. By then, the damage will be done. This to me is next to criminal. They are playing with my future and it is wrong and again. I am very very angry.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I currently have 1 account open with XXXX. I have a XXXX XXXX XXXX that i opened sometime in XX/XX/2020. When delving into my credit report, I noticed Experian said i had 2 accounts open which then made me inquire why that was. I called XXXX and they noted I only had 1 account with them therefore the error came from Experian hence the complaint. Below, I've attached proof that the other credit bureaus note that i only have 1 account, while Experian says i have 2. This drops my score significantly in contrast to the other scores from the other bureaus because of the utilization that i try and keep between XXXX % before my next statement date. My utilization for Experian is XXXX % because they say I have 2 accounts when I only have 1.
Consumer complaint received 2022-06-29
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

Name : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Accounts : XXXX XXXX, XXXX XXXX.
Consumer complaint received 2021-06-28
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. (NY)

During Covid XXXX the XXXXXXXX XXXX XXXXXXXX were closed in my area there was no way to make my loan payment. I didn't have access to their online service. The customers services lines were down at XXXX XXXX  for a few weeks during this time. Once the bank opened I made my payments and the branch manager said she would address the problem and have the late payment removed. I found out when I applied for a line of credit in XXXX that the negative payment was still on my report. I was instructed to write a letter to the main branch XXXX east XXXX in XXXX XXXX XXXXXXXX this was XX/XX/XXXX, again I was told it will be taken care of. Still no results my credit is still impacted with a low score on Experian reports.
Consumer complaint received 2021-06-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: MARINER FINANCE, LLC (MD)

Name : Mariner Finance Type : Individual / Applicant Account : XXXX Collection Term : 48 Months Installment, Secured Date Opened : XX/XX/XXXX In XX/XX/XXXX at the beginning of the COVID-19 pandemic, I applied for a personal loan which was denied, but I was offered an opportunity to refinance my vehicle for extra money. However, unaware of this banks predatory lending practices, I was not informed that my new loan would not include GAP insurance until AFTER I had completed the loan process and signed the paperwork. Nevertheless, for the first 5 months from XX/XX/XXXX brought XX/XX/XXXX my payments went smoothly. 

Unfortunately, in XX/XX/XXXX, I contracted XXXX and suffered from long term symptoms which prohibited me from working and ultimately led to late payments from XX/XX/XXXX through XX/XX/XXXX when I applied for bankruptcy. From XX/XX/XXXX through XX/XX/XXXX, I attempted, unsuccessfully, to contact the bank in reference to a forbearance or deferral or any type of payment relief due to COVID-19 under the CARES Act. 

I am requesting that Mariner Finance do not report late payments to the credit bureaus in accordance with the requirements of the CARES ACT.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (NY)

Hi, Fay Servicing is my current loan servicing company. I am trying to refinance my mortgage with another company and Fay Servicing is refusing to turn over the collateral documents for months such that now I either pay a penalty to extend my interest rate or forgo XXXX and pay about {$5000.00} in extra taxes. I have emailed them and they do not respond. I called and left a message with a loan officer and I have not gotten a response. Can you please help? Thank you.