davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
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: Experian Information Solutions Inc. (SC)

XXXX XXXX is reporting a collection account with incorrect DATE OPENED. XXXX XXXX has date opened XX/XX/2020 and XXXX and Experian have date opened XX/XX/2020. XXXX XXXX is reporting a collection account with DIFFERENT ACCOUNT NUMBERS for the SAME ACCOUNT. XXXX has a different account number listed on my credit report than Experian and XXXX. 
Date Opened : XX/XX/2020, {$680.00} - XXXX ( XXXX XXXX  ) Date Opened : XX/XX/2020, {$680.00} - EXPERIAN ( XXXX XXXX ) Date Opened : XX/XX/2020, {$680.00} - XXXX ( XXXX XXXX  ) A collection account should not report as a OPEN ACCOUNT and a collection account should not have a BALANCE of {$680.00}. 
Dates of last active do not match either. There are 6 inaccuracies that are being report to Experian, XXXX and XXXX. This is a violation of the Fair Credit Reporting Act. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Consumer complaint received 2021-11-05
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: PENTAGON FEDERAL CREDIT UNION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : PENTAGON FCU Inquiry : XXXX XXXX, 2021
Consumer complaint received 2021-11-05
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: SYNCHRONY FINANCIAL (MD)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

In XXXX of XXXX, I was approved for a Discover Card. The bill was maintained until XXXX of XXXX. Discover has reported to all 3 credit agencies that a payment was made in XXXX of XXXX in a effort to restart the debt clock which is illegal. I have disputed this with all 3 credit agencies multiple times. Each time Discover has maintained there was a payment made in XX/XX/XXXX yet can't provide the information. So they can't produce the payments for XXXX, XXXX, or XXXX so they reset the debt clock. Each credit agency has requested Discover show proof of a payment being made however they have no proof. According to the Consumer Credit Act falsifying or placing inaccurate information on credit reports is illegal and the company can be held responsible. The account is 7 years old. The account was open 7 years ago. To keep the account on my credit record they are reporting wrong dates, wrong year of payments, and giving inaccurate information. I am formally requesting for Discover to produce the final payment made on the account. If it's a scan document or scanned bill with the last payment I am asking for it. In addition besides my contacting all 3 credit agencies, I wrote a letter asking them to produce the last payment made. Discover ignored the letter and proceeded to add more derogatory information. If the account is closed and charged off at this point the statute of limitations has passed. For them to illegally state a payment was made when it wasn't is illegal. If they can't produce any payments being made in XXXX to the Consumer Protective Agency I want the inaccurate information removed and the credit report corrected. For the record, I made NO payments in XXXX to this account. I need Discover to produce the payment. If the payment was made it should be no problem.
Consumer complaint received 2022-01-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (IN)

I obtained a loan with Carmax Finance and paid it off in XX/XX/2021, upon paying it off, it still shows on my credit report with a balance. Since, I refinanced my car loan with a different company it appears that I now have 2 car loans active. I called Carmax and was notified that they had an update to the system which they were not able to confirm if it would be accurately reported to credit so decided that no reporting would be better. I have had to file a dispute to get this corrected and then have to send a letter once corrected to have the dispute removed. It is my understanding that companies are required to report the status of a loan, which in this case they did not and are requiring that consumers call in to have this corrected and this is a known issue and is of no fault of the consumers.
Consumer complaint received 2021-11-05
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. (MI)

I received your correspondence on this alleged accounts saying its validated or updated Obvious NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on EACH credit bureau. Nor did you supply the documentation I originally requested! Written no computer generated bs. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Consumer complaint received 2021-11-01
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Accessed PayPal through XXXX XXXX XXXX website to make a large donation. With no reason whatsoever the payment was made to another charity altogether- XXXX XXXX XXXX. This is a {$5000.00} donation that was given to the wrong company- and it was PayPals fault entirely. As soon as the transaction was done and we saw it was to the wrong charity- we called and asked them to stop it. They could or would not. They opened a case but then denied it and left to us to contact charity to get money returned. Utterly frustrating and they have taken over payment for so many charities. I will never use them again.
Consumer complaint received 2021-11-05
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: AMERICAN EXPRESS COMPANY (MI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on AMEX XXXX Balance Owed : {$2500.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-01
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. (NC)

Recently i received a copy of my Experian credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for Experian or any one else to run my credit, i did not apply for loans or any credit cards. Experian gave credit card companies access to my credit report without my person.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2022-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MO)

My services recently switched to Nelnet. On my old account I was still paying actively on my loans even during the pandemic. Somehow when my servicer switched the monthly payment amount went from {$130.00} to {$1100.00} and they withdrew that from my account which caused a significant overdraft. I contacted both my bank and Nelnet to get the issue rectified and the transaction was reversed through my bank. Nelnet notified me that due to my loan servicer changing this amount was not updated and it would be updated closer to XXXX. This morning, however, Nelnet once again charged the amount and it took out again causing another overdraft after I had already spoken to them about the issue the prior week. My account is now has a balance of XXXX because they processed the payment again after I already called and had the issue rectified and they indicated my contact was noted in their system. Now they are telling me I have to wait 2-3 business days just for the refund to be approved, then an ADDITIONAL 4-6 weeks for a check to be sent to me. Meanwhile I have to somehow find the means to cover {$990.00} within the timeframe I have to wait just for my account to be out of the negatives, in addition to the extra {$210.00} they charged as well.
Consumer complaint received 2024-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union (RI)

After making the required three ( 3 ) direct deposits, I called to ask when the checking promotion would be paid out. The rep said that I did not qualify because I missed the first deposit.. This is incorrect, and has met the requirement timeframe of the advertised terms. I asked for appeal, and they assigned a case number to investigate further.. After not hearing from them, I sent a secure message to ask about the status. The reply has no mention of their claim that I missed a deadline, but now states that they can not verify if the deposits were from a payroll or not. This appears to be " moving the goal post '' here.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

On XX/XX/XXXX I paid in full a credit card balance on Bank of America card. The same day they closed my account. I have had this account for 26 years and no delinquencies or late payments on this account for 26 years. 
Unfortunately the past few years have been difficult and my credit score is not the greatest but during all of that Bank of America chose not to close my account but rather rack up plenty of interest from me because it has taken time to be able to pay this account in full. So in other words, they could have closed my account and continued to ask for payment on a closed account due to their reasons but they instead chose to do a peer review on the exact same day I paid my balance. This action will result in 3 negative impacts on my credit score that i am working diligently to improve. They include : 1. I will no longer have the Excellent rating on the length of oldest accounts which was 26 years up until XX/XX/XXXX. 2. Closing the account after I paid the balance will eliminate the credit unused potential on my credit score. 3. the fact that it is now a closed account will contribute to a negative impact.

At the very least Bank of America could have lowered my credit limit and kept the account open. Instead they wait until you can not benefit them financially any longer and then close the account without warning or opportunity to dispute. I have spent the past hour on the phone with them and continued to be transferred to 4 different people who told me there was nothing they could or would do and that i need to accept this decision basically and that it was not reversible. I find it unethical that credit card companies can take action on a customer that causes their credit to be negatively impacted as a result of the customer taking action to improve their credit score and good standing with that credit card company. The representative further said, on a recorded call of course, that paying off the balance in full prompted the peer review and that had I not paid the balance off in full the account would not have flagged for a peer review. And naturally, had the balance not been paid in full the Bank of America would still be able to collect interest money from me.
Consumer complaint received 2021-11-05
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. (LA)

I keep disputing account that are not mine. I have called and mailed several dispute letters about these fraudulent accounts. They are all crooks experian and these so called debt collectors. They are keeping negative information on my report after Ive told them they are not mine. I called the fraud department to report identity theft and was told my account would be deleted. Per 15 usc 1681c-2 these accounts are suppose to be removed no later than 4 days. These negative remarks are affecting my living conditions and financial situation.
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc. (MI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services is reporting a collections account on my consumer report. I do NOT know who this company is. I have NEVER done business with this company. Nor, have I EVER signed a contract with this company for anything. I also never gave permission verbally or in writing to anyone to pass my information to this 3rd party that I never heard of.
Consumer complaint received 2021-11-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

This complaint was previously submitted by my husband on my behalf. Toyota Financial 's response was to obfuscate and avoid the issue by saying that he wasn't authorized to act on my behalf. The issue remains without resolution and needs to be addressed.

Complaint Regarding Toyota Financial Services ( TFS ) and Collection for Personal Property Taxes ( PPT ) my husband and I have been trying to resolve an issue related to personal property taxes assessed on the lease of a XXXX XXXX XXXX. The lease has expired and the vehicle was returned without issue on XX/XX/XXXX. In early XXXX I received a bill from TFS for my share of property taxes for the 1st half of XXXX, listed as {$100.00}. I have no issue with the fact that some PPT is due, rather the issue is related to the amount and determining the appropriate calculation. Because I doubted the accuracy of the {$100.00} amount we called TFS to ask for a copy of the tax bill and an explanation of how the amount due was calculated. After going through the on hold period we opted for a callback which I got about 2 hours later. Unfortunately, the representative was unable to provide the specific information but he promised to have a copy of the tax bill mailed to us so that I could do my own calculations. What I received was another copy of the bill for {$100.00}. Today we called TFS at XXXX and opted for a callback after being informed there was a 1 hour and twenty minute hold time. I received a callback from XXXX at ( XXXX ) XXXX at XXXX. Unfortunately the call disconnected before any meaningful information was shared and I have yet to receive another callback ( its XXXX now ). Now this may seem like making a mountain out of a molehill but if TFS is arbitrarily billing customers for PPTs that are inflated and inaccurate they are unlawfully profiting from their customers. My husband called the county tax office and verified that the PPT on that vehicle for the 1st half of XXXX was {$190.00}. TFS was initially billed for the entire period but was sent a corrected prorated bill of {$83.00} based on a disposition date of XX/XX/XXXX. Because we returned the vehicle on XX/XX/XXXX, my calculation says that were responsible for {$58.00} ; certainly not {$100.00}. I dont want to make unfounded accusations but sending bills for XXXX without corroborating documentation showing the validity of the charges is a questionable practice. Add to that a customer service organization that is next to impossible to reach and very unhelpful when they are reached and you have a recipe for frustration that likely leads most customers to just pay up.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.