davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

A Georgia State Tax Lien appears on my credit report however, the court document for the tax lien, provided by the XXXX XXXX XXXX XXXX for XXXX XXXX, GA, contains both inaccurate and incomplete information. Per the National Consumer Assistance Plan ( XXXX ), all state tax liens must include the following information in order to be reported by the credit bureaus : ( 1 ) Full Name ; ( 2 ) Address ; and ( 3 ) Full Social Security Number and / or Date of Birth. 

The Georgia XXXX court document associated with the lien reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last XXXX of a social security number, as opposed to the full social security number ; and ( 3 ) no date of birth is noted. A copy of the aforementioned document has been included in this CFPB filing, for review.
Consumer complaint received 2017-10-29
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 (CA)

I turned my XXXX XXXX XXXX into XXXX of XXXX on XXXX XXXX, 2016 in order to lease a new 2016 XXXX XXXX. The car that was turned in was in " as-new '' condition. 
The dealership inspected the car, then agreed to take the XXXX XXXX with the agreement that they would pay all remaining charges on the Lease, in order to get me into the new car. That included paying off remaining  payments and excess miles charges. I was never told how they would dispose of the car, but assumed they would sell it on their lot as a used vehicle. 
Eight months later I received a bill from Toyota Financial for excess  miles, damage to the car, and a bill for the remaining lease payments.
I have corresponded with Toyota Financial four times, as well as spoken to them on the phone, to clear this up but to no avail. They claim that the dealership never paid the excess miles, the remaining lease payments, and they turned in a damaged vehicle to them. They also claim they are unable to contact the dealership Since my dealings were only with employees of XXXX of XXXX, I contacted them to try to straighten this out at least three times in writing, and over the phone at least twice. 
No one in the Toyota Organization at any level has done anything to attempt to resolve this. This is a fraudulent attempt to extort money from me that is not owed.
Consumer complaint received 2017-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

After hours pediatrics has refused to remove a debt that has been paid and satisfied by the insurance companies. 

My son was seen at an urgent care and at the time had 2 insurance companies. XXXX was primary and paid according to contract. The 2nd company was XXXX XXXX and paid to contract leaving no patient responsibility. According to the doctors office, XXXX paid incorrectly and are now billing me. The issue is a contractual issue and although Ive provided the eobs from the company verifying there isnt any patient responsibility this company has decided to do what they want to do. 

reference number XXXX
Consumer complaint received 2017-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (AZ)

XXXX XXXX XXXX violated the Fair Credit Reporting Act. XXXX XXXX XXXX furnished derogatory information to XXXX, XXXX and XXXX. They are required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishing of negative information was going to take place. This is required under the FCRA, section 623, subsection ( 7A ). XXXX XXXX XXXX did not comply to this statue.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted the company numerous of times to have the account information updated. That is still reporting incorrect and this is hurting my credit score. that dates should be updated from late to on time this is crazy that I have to keep going thru this with this company.They are not validating the account at all. They 're only verifying that the account is mine. The dates are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX please fix my account XXXX dont know what else to do.
Consumer complaint received 2017-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the XXXX XXXX XXXX all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.
Consumer complaint received 2017-10-29
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. (AR)

All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the XXXX XXXX XXXX all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.
Consumer complaint received 2017-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

In XXXX I opened a loan under loan ID : XXXX I made all my payments on time and about a month ago I got a message that I qualified for a new loan. I went online to apply and I was declined, then I received a letter stating I was declined because I had a current loan. 
If this is the case, I should not have been told I qualified yet to re-apply. On XXXX the XX/XX/XXXX I called to pay of my current loan early, at that time I was told if I pay it off over the phone and want a new loan, I will have to wait 7 days. I was okay with that.
However, now I am being told I have to wait 90 days because I applied and declined, but that was because I was told I qualified right then. If I had known, I had to wait 90 days I would have just let the payments continue instead of paying it off early.
I feel this is mis-information that now cost me a chance to get a new loan. I like the rates and company so I really wanted to get and can use another loan to help with bills. I just do n't understand why they told me I qualified when I did not and now because of that,
I am being told to wait 90 days after I was told 7 on the phone
Consumer complaint received 2017-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NC)

I discovered that in XX/XX/XXXX that someone I was dating was stealing from me. I immediately contacted the police and filed a civil suit simultaneously. As I started to review the drafts on my bank account and credit cards. I had discovered that this individual had been making charges and also fraudulently opened accounts. In the month of XX/XX/XXXX, I also hired my own private investigator and later found out that Navy Federal had allowed this gentleman to obtain checking and savings accounts with me as his sponsor without even notifying me. This individual also has called in checks off of my credit card and actually had an alternate credit card that belonged to me in his possession. When I opened this account for Navy Federal and called to activate the card they told me that I qualified for a different card with better rewards. The agent told me that he would cancel this one and send out the new one. I later find out that Navy Federal did not only did not cancel the card but gave it the same number so when I activated the XXXX XXXX XXXX it activated, the other card that I disposed of was activated as well. I actually have proof from Navy Federal that this individual fraudulently called in a check to pay the bill for another card that he fraudlently opened in my name with XXXX. I have proof of my travel through the month of XX/XX/XXXX through early XX/XX/XXXX that I was in XXXX, IL, but multiple charges were made throughout North Carolina and yet Navy Federal still refuses to reverse the charges. I would like to be given a fax number to send all of these documents at when I try to upload it keeps saying file size to large.
Consumer complaint received 2017-10-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Adjusters, LLC (CA)

They kept calling me at first and then they started calling my family members. 

In addition - they threatened to garnish my wages and said that there are pending actions against me. 

I do n't know why they are doing this and I feel really stressed out ... In addition, they have n't verified the debt and they never provided me paperwork demonstrating that I owe them anything in writing? 

Please help.
Consumer complaint received 2017-10-29
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

I have two accounts with Wells Fargo, a checking and savings account. Wells Fargo has a program that is supposed to help you save money called Save as You Go. They take random amounts of money every time you spend from checking account and automatically move it to your savings account. It has never been explicitly communicated how they determine how much will be transferred to your savings account. In earlier days, it was typically a dollar now it varies. On XXXX XXXX, XXXX, an overdraft protection was applied which resulted in {$25.00} being pulled as a cash advance from my credit card. My credit card is linked as overdraft for my checking account. The overdraft protection was for a deficit of just a few dollars. This few dollars deficit is because Wells Fargo pulled a random amount to move to Save as You Go which actually goes from my checking account to my savings account. The actual transaction I made had enough in my account to cover it. The next morning on XXXX XXXX, XXXX less than XXXX hours later I transferrred {$2000.00} from my savings account to my checking account. I called Wells Fargo to find out how I can pay back the unnecessary overdraft protection to my credit card since cash advances are at a much higher interest rate. I was told that there is no way to specifically pay off a cash advance. That IF you pay more than the minimum in a given month, TYPICALLY the excess money will go toward your cash advance. I said well this is a result of a shell game that Wells Fargo decided how much additional money they were going to shift from my checking to savings account under this Save as You Go which is supposed to help you save money. Now, you are adding the ability for Wells Fargo to continue to make additional interest for YEARS on a high balance credit card without giving me the consumer the ability to tackle that specific charge. I did deactivate the Save As You Go feature. I 'm also asking that this overdraft protection be reversed. The deficit is my own deficit because it is because it was n't enough to move the amount Wells Fargo wanted to shift. This has NOTHING to do with a retailer or external charges. This is ALL my money where Wells Fargo is taking money out of my left pocket to put in my right pocket and forcing me to pay higher interest for a cash advance. This is very unethical since there is no process to payoff cash advance directly especially because it was used by XXXX XXXX to pay me!
Consumer complaint received 2017-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX XXXX FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Chase credit card ending in XXXX. 

We have not received any payment deferment as of today XXXX Sunday, XXXX XXXX, XXXX ). When we call Chase Irma Relief at XXXX XXXX XXXX the Chase representative is not able to help us resolve the issue for deferred minimum payment. 

Thanks. 

XXXX XXXX
Consumer complaint received 2017-10-29
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

When Wells Fargo noticed we went to branch monthly to pay mortgage, persuaded us to open a savings/checking accounts with Wells Fargo for no charge and ease of payment. After we setup monthly automatic mortgage payment, there is no activity in our accounts. Monthly fee started to be assessed ( because our savings account balance have been bellow {$2500.00} XXXX. Because of no paper statements from the bank, even though each month we got a email reminding statement is ready, we never logged on to check. 

This has been going on for more than a year, without warning or call from Wells Fargo until this XXXX when we accidently noticed the only activity of the accounts has been the fees for more than a year.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (VA)

On or about XXXX XXXX, XXXX, after learning about the Equifax data breach, I followed the instructions provided by the company and visited XXXX. On that page I provided my ssn and it was confirmed that I was affected b the breach. I signed up for the free credit monitoring offered. The process could not be completed at the time ( Equifax issue ), so after XXXX-3 days I went back and completed the steps. On XXXX XXXX, XXXX I received an email from " Trusted ID Customer Service '' [ XXXXXXXXXXXX ] which read : " Dear XXXX XXXX, We recognize you may not have received your activation email for TrustedID XXXX. We apologize for the delay and assure you we are working diligently to send your activation email as quickly as possible. '' As of XXXX XXXX, XXXX I had not received the activation email. That same day, I went back to XXXX and called the customer service number listed there. 
After talking to three different people, I was told that I had to sign up again at XXXX. I think it is deceptive for Equifax to represent that they are offering this service if they dont intend to. And their negligence continues to expose my personal information to identity theft. Equifax is not taking this matter seriously. Equifax should not need anybody to sign up for this since they already know whose data was hacked and they also have people 's personal information.
Consumer complaint received 2017-10-29
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. (TN)

All 3 of my credit reports have been exposed and breached and the federal and private loan officerso like XXXX XXXX is reporting inaccurate information on my report showing delinquent when I have not graduate from school just yet. This is causing issues for my lively hood.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TX)

I am filing this formal complaint after attempting to remedy inaccurate information on my credit report for over eight months without success. Despite multiple attempts and providing a clear paper trail of communication, my concerns have been ignored, which constitutes negligence and a violation of the Fair Credit Reporting Act ( FCRA ). 

The information reported by your company is not credible, as there have been inconsistencies in reporting across credit bureaus, with XXXX showing late payments that neither XXXX nor XXXX have reported. This inconsistency further indicates a lack of accuracy in the data furnished to the credit bureaus. 

At this point, I demand that you : Remove the late payments from XXXX. 
Update the account status to Paid as Agreed to reflect accurate information. 
Failure to address these inaccuracies can lead to legal action for FCRA violations under 15 USC 1681e ( b ), which mandates that information furnished must be 100 % accurate.
Consumer complaint received 2024-11-03
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. (IL)

I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report due to identity theft and a recent data breach, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX - XX/XX/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
Consumer complaint received 2017-10-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

I made a purchase online for 2 bottles of facial cream from a company called XXXX sometime at the end of XXXX XXXX which clearly stated it costed {$12.00}. After using the phone system for Georgia 's child support XXXX on XXXX i noticed XXXX unauthorized charges. It took this long to catch the charges as this company does not provide any kind of statements and i have been locked out of their online system without any assistance to get back on. I immediately called to start a fraud claim the same day. I was given an XXXX # for the company XXXX XXXX XXXX who i called immediately on XXXX as well. After asking them to cancel my account XXXX cancellation # XXXX ) and to stop their fraudulent charges they stated in order to be reimbursed i would have to call back with the bank. After filling out the paperwork XXXX sent and waiting i received a notice on XXXX from XXXX that they could not find where an error occurred. 
I was told when i reported the fraud to XXXX that there was probably something in fine print about subscribing to something. Whether that 's the case or not, that 's the definition of fraud. Deceiving to gain monetarily. As i stated to XXXX, i did not receive any products, services, or emails from the fraudulent company ( XXXX ) besides the initial purchase for 2 bottles of facial cream that clearly stated {$12.00}. I could not even find a website for the company online.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO TRANSUNION AND XXXX AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IN)

XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO XXXX AND XXXX AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.
Consumer complaint received 2017-10-29
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. (GA)

Ive disputed a chapter XXXX bankruptcy several times XXXX, XXXX and XXXX XXXX to no avail. It is inaccurate but XXXX refuse to correct it or remove it.
Consumer complaint received 2017-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

I checked my credit report, and seen a charge from AARAGON collection agency for {$33000.00}, I called them in XX/XX/XXXXto advise them that the debit was not mine. The rep stated that it was an old medical bill from XX/XX/XXXX, the had my old address, from a year prior, I also advised them that at the time of the visit I had given the hospital all current information, and had insurance at the time. The rep stated that it did not matter even if I back tracked my previous insurance that it was too late to submit, I also asked if the could send me something showing that the account was really mine. I then asked why did it take almost 4 yrs to show on my credit I was advised that it was with a previous collection agency, but I could not get the information, I have also disputed with XXXX and XXXX multiple times in XX/XX/XXXX and XX/XX/XXXX