davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have sent 3 letters to the credit bureu ( Experian ). In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX  XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Late Payments XXXX XXXX  XXXX XXXX Unverified Late Payments Given that I believe you are acting in bad faith, and have not complied with the federal and state law. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file This is my second Complaint im making here with the cfpb, and Experian responded and they came back to me saying ( '' regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' ) Really? 
Im sending you my id and all my personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1979 attached with my credit report which include the addresses i lived in the past 2 years.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 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.
Consumer complaint received 2023-02-12
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. (DE)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section A 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in a paragraph the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Celentano, Stadtmauer & Walentowicz, LLP (NJ)

The XXXX Hospital asked me to participate in a study related to my XXXX XXXX. I agreed and submitted to an XXXX of my XXXX. The XXXX Hospital never sent me a report on the findings from the XXXX. I repeatedly called and was assured I would get a copy of the report but never did. I still dont know if my XXXX XXXX is stable or not. If it XXXX  Ill be dead in about 60 seconds. The XXXX Hospital was paid thousands of dollars by my medical insurance company for the XXXX. They want an additional {$300.00} from me despite never letting me know the results of the XXXX. I believe they are ripping me off and engaging in unfair medical business practices. Celentano, Stadtmauer & Walentowicz is the hospitals debt collector.
Consumer complaint received 2020-05-14
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. (GA)

There are several inaccurate reporting items on my credit report. I have attempted to get this issue rectified. So now I need your assistance in this matter : Transunion has incorrect personal information : Incorrect Name : XXXX  Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX  has incorrect personal information : Incorrect Name : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  XXXX  has incorrect personal information : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  There is fraudulent accounts reporting on my credit file : XXXX  - Opened XX/XX/XXXX Balance : XXXX ( XXXX, TU, XXXX  ) XXXX/ XXXX XXXX  - Opened XX/XX/XXXX Balance : {$140.00} ( TU and XXXX ) XXXX XXXX XXXX - XXXX  XXXX XXXX/XXXX  - Opened XX/XX/XXXX Bal : {$100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$620.00} There many unauthorized inquiries that reporting that I was not aware of : XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX  ( 6 TIMES ) XXXX  XXXX ( 2 TIMES ) XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( 2 TIMES )
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

My problem is with Toyota Financial Services : 1. Toyota Financial Services- In XXXX I lost my job due to covid-19. I called Toyota customer service number XXXX stated on my bill for a month, no answer. I went on their website : www.toyotafinancial.com and wrote that I lost my job and wanted to find out what can I do to defer or forebearance the payment. I HAD NEVER MISSED A PAYMENT. I received no reply. The website had an area that stated Covid-19 update however did not have forms or anything consumers can fill out for that option. When you go to fill out the form there was nothing you can fill out. They deliberately just posted the information with nothing consumers can fill out, only a sign stating what to fill out. No Forms whatsoever! On Monday XX/XX/2020, I went on my XXXX   XXXX account and noticed Toyota Financial reported that I did not pay my payment for XXXX. I made every effort to contact Toyota Financial however they ensured that they made themselves unavailable to respond to consumers in need of their assistance. This delinquent reporting to XXXX  has drastically brought down my credit score. When I called XXXX  to dispute this erroneous reporting, the phone hung up not working. I also tried to dispute it on line with my account since I have a freeze on my account it reroute me to purchase XXXX  's credit monitoring service which I can not afford at this time. If you didn't purchase their credit monitoring service, you can not dispute erroneous information on your account. When I went back to Toyota Financial service website now they have a form for consumers to fill out for a 30 or 60 days deference yet still you can not communicate with anyone to explain what happened. I filled it out however I did my best to notify Toyota Financial prior to when my car payment was due numerous times. My other creditors have worked with me except for Toyota Financial. I need the delinquent posting off of my XXXX  account since Toyota Financial deliberately caused their consumers to be delinquent by not replying to phone calls, emails, and provided erroneous information on their website to give the appearance they are helping consumers. I will never purchase a Toyota as long as I live and will tell my family, friends, colleagues, and acquaintances of what they did in my time of need.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (RI)

Due to Covid -19 I asked my auto lender SANTANDER CONSUMER USA for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. SANTANDER CONSUMER USA made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my SANTANDER CONSUMER USA loan. SANTANDER CONSUMER USA refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I decided to freeze my credit with all 3 bureaus after thieves broke into my USPS mailbox and stole all the USPS mail, some likely included my personal information. 
1 - No problems at all with XXXX  did it online very quickly after an identity check questionnaire. 
2 - Equifax, created an account, filled out the freeze form online, but repeatedly got the message that it could not be done online. No explanation, no identity questions other than social security number, DOB and address requested. 
3 - XXXX  same issue as Equifax - followed the online prompts and kept getting a " can not be done online '' message on repeat tries. No explanation, no identity questions other than social security number, DOB and address requested. 
Google search on this strange issue in 2020 's internet era shows other people who have had Equifax and XXXX give them a hard time freezing or unfreezing the credits. I wonder if these companies are not purposefully making it harder on the people to freeze or unfreeze since they can no longer make money off of this service? Which should be illegal. I hope this tactic by Equifax and XXXX  does not continue for long. Thank you.
Consumer complaint received 2020-05-14
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Reference : Coinbases transfer to FRAUD SCAM Brokers : XXXX. I would like to bring your attention to a serious issue I have with Coinbasewires that first took place on the XXXX of XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated byXXXXs - the Company. The funds were transferred utilizing Coinbase   's services in the total amount of XXXX XXXX! I would also like to point out that on the XXXX of XXXX XXXX I filed a dispute with Coinbase.
Consumer complaint received 2020-05-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX
Consumer complaint received 2020-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

i buy an host from bad company '' XXXX '' with date XXXX by using " paypal '' before i buy i ask him if the product not suits me or or dont like me or i have problem can i refund this moeny they answer to me yes but i order to refund my money everyday in phone line and chat support and i don't understand their language they tell me cancel it by yourself and other one tell me we pay for our employer we cant give you your money other one from this company after the time end i buy in tell me you cant get your money because the time end, please refund my money paypal from this thief company steal my money and dont want refund my money from 4 month to the right now my email in paypal : XXXX, my number is XXXX ( XXXX )
Consumer complaint received 2020-05-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

Hello CFPB, My name is XXXX XXXX and I am writing desperately to request your help. I've been trying for months hoping to resolve GM Financial 's error on my own, but the fact that my credit report was corrected and then went back to incorrect seems endless and frustrating. 

GM Financial Account Number : XXXX Balance : {$42.00} ( Wrong ) Status : Delinquent ( Wrong ) My account was in fact paid in full and closed. Below were my attempts to resolve the problem : 1. I  called GM Financial Customer Service twice in the past 2 months. The reps admitted it was their error and assured me to remove it. But no action taken in the end. 
2. I disputed with 3 bureaus. All 3 disputes were resolved in my favor and balance revised to 0. However, the delinquency came back later. 
XXXX  Report Number : XXXX ( Result attached ) XXXX  Confirmation Number : XXXX ( Result attached ) XXXX  File Number : XXXX ( Result attached ) The incorrect delinquency caused negative impact on my credit report. I'm seeking fair resolution with your help. 

Thank you very much! 

XXXX XXXX
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (CA)

Back in XXXX, I had switched my existing wireless phone lines to XXXX   considering their 30 day satisfaction guarantee. However, within a month I realized the poor network coverage and internet issues and decided to return the devices I bought back to XXXX. I followed all the instructions from the customer representative from XXXX and they sent me pre-paid labels that I used and returned all the devices along with the boxes, accessories, etc. 
I moved my service back to XXXX XXXX XXXX and replaced my phone number. I did not receive anything in the mail from XXXX but received a letter from Convergent Outsourcing after a month or two trying to collect ~ {$3000.00} from me for XXXX. I immediately called Convergent and then XXXX to get justification on these charges. XXXX confirmed they had received the devices and that it was billed in error to me, they made adjustments to the amount and I was asked to expect a final bill around {$80.00} which I paid once received. 

Convergent Outsourcing reported to the Credit bureaus as collections, an amount of ~ {$3200.00} on XX/XX/XXXX, two years well after the account was closed, without my knowledge. 
I still see the remark on my credit reports ( XXXX, XXXX  and XXXX  ) as collections affecting my credit scores negatively. Considering reporting error from XXXX and Convergent, this should be removed from my credit report and should not affect me in any way. 

It is unfair for a company to charge 300 % more in error to a consumer, then report it to the collections, settle the entire amount and then report after two years to the credit bureaus to impact consumers credit scores negatively.
Consumer complaint received 2020-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Law Office of Michael J. Scott, PC (TX)

Scott & Associates on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX  is suing me for a past debt from 2014 after the statute of limitations have expired and is in violation of the Fair Debt Collection Practices Act. They are also suing me in a state in which I do not permanently live or where the original debt occurred. After several attempts via email and phone, I spoke with a representative from Scott & Associates on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX  notifying her that I was not acknowledging or accepting the debt, but wanted to save us both some time and effort by settling the debt outside of court as stated in the notice that was received because it was the start of the pandemic and feared going out in public. The representative declined my offer to settle. 



Emailed on : XX/XX/XXXX XX/XX/XXXX Spoke with representative : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-05-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

These accounts were opened as a result of identity theft. I am requesting that these accounts be deleted and blocked from my credit because they do not belong to me. I have not received any merchandise from these companies or give them permission to open any accounts. Please delete
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (CO)

I attempted to put {$100.00} on a gift card as part of a birthday present on XX/XX/XXXX, on XX/XX/XXXX it appeared on my account. For some reason it showed as the transaction as returned and I got a letter from TRS demanding payment. I completed the form disputing the notice. TRS sent me a letter demanding the payment stating that it was deposited to the account, but still demanding payment. I now have diminished funds due to the stay at home order, and have asked that it be dismissed, yet they are still harassing me, for funds that were deposited into an account they are trying to collect on
Consumer complaint received 2020-05-14
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: Credit Technology, Inc. (CA)

There is a Credit Inquiry added by Credit Technology or XXXX XXXX as of XX/XX/2020 which i didn't authorize. Please kindly investigate and get the inquiry removed from my report. Please let me know if my personal information got compromises in any manner, so i can take action needed. 
Thanks!!
Consumer complaint received 2020-05-14
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. (TX)

I was reported as having a late payment for XXXX and XXXX, when in fact I have the proof that I made my XXXX payment XX/XX/XXXX, which was not 30 days late and then I made my XXXX payment on XX/XX/XXXX. I provided this proof and their still not correcting the issue. 
This is hindering me from getting approvals for other things when in fact I've shown proof and it's still not corrected.
Consumer complaint received 2019-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CT)

During 2018 many unauthorized transactions occurred through Square XXXX amounting in the theft from my checking account of many thousands of dollars. I have contacted Square XXXX 7 times over the past month and they do not respond properly.
Consumer complaint received 2020-05-14
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. (CA)

I AM EXTREMELY UPSET ON THE RESPONSE I AM KEEP GETING FROM AN XXXX  AGENT. I HAVE SUBMITTED MY IDENTITY THEFT REORT, ON THE FEDERAL TRADE COMMISSION WEBSITE, AND THE AGENTS TELLS ME THE FORM IS NOT VALID. HOW COULD IT BE NOT VALID WHEN I ACTUALLY WENT ON THEIR AUTHORIZED WEBSITE AND COMPLETED MY IDENTITY THEFT REPORT. AS A CONSUMER MY COMPLAINT IS AGAINST THE FEDERAL TRADE COMMISSION REPORT PLEASE UPDATE YOUR WEBSITE AND PLEASE LET THE BUREAUS KNOW THAT YOUR FORM IS VALID SO WHEN I SUBMIT MY COMPLAINT IT WILL BE VALIDATED, AS IT IS I AM ALREADY FRUSTRATED ON THE FACT THAT I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ON MY CREDIT REORT ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT. THE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.
Consumer complaint received 2020-05-14
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: U.S. BANCORP (TX)

US Bank is reporting a credit card installment on all of my credit reports but this card is not mine! 

I have never lived in a city with a US Bank account and have never had a US Bank Credit Card. 

I have reached out to US Bank to verify this debt on three different occasions, WITH CERTIFIED MAIL, and US Bank has not responded. I assume this is because they have my credit file mixed with another person, because this account does not belong to me. 

I have also disputed this with XXXX and US Bank 'verifies the account ' even after communicating with them that I have had email fraud, identity fraud, and mail fraud. 

This account MUST be removed or I will be retaining an attorney and suing for all economic damages from my $ XXXX loan high interest, high insurance premiums, and higher interest charges on my installment accounts. 

This account is NOT mine and I work hard for my credit score.