davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Purchased a car from XXXX of XXXX on XX/XX/XXXX and the finance manager stated the only way to get the loan was to buy the extended warranty but that I could cancel it the next day for a refund. Tried the next day all the way through XX/XX/XXXX - XXXX kept saying the cancellation had been processed many times and finally she gave me a number to call after 18 months and the people there stated that XXXX dealer had the money and they were the ones to issue the refund. 
Called XXXX XXXX and she stated that the warranty could NOT be cancelled after lying and deceiving for 18 months!!!
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have old or out dated information appearing on my credit report that I need deleted/removed it is mot accurate. 
My name is XXXX XXXX XXXX please remove any variations of my name. 
My current employer XXXX XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OK)

I found unauthorized inquiries on my credit report this morning, and I have no idea why. I checked my report as usual, but this time there were unexpected discrepancies. I even refreshed my browser to see if it was a glitch, but the inquiries didnt disappear. Please review the documents I sent carefully, as Im frustrated and need this resolved immediately so I can have peace of mind.
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC. (CA)

A gentleman just called me, for the fourth time in 24 hours, and told me he was Mr. XXXX calling from a law firm in an attempt to settle my debt with XXXX XXXX before a summons was sent out this Friday against me. That I would be charged with the legal fees as well. I told him I had received no such bill or any correspondence to this matter and he stated that he sent it to two addresses easily taken from my background check that he already stated he did on me, and had " assumed '' I received them. I asked him to send it again, certified mail, so we both know for a fact it was recieved. He said that was not possible. I told him I will be happy to contact my lawyer to sort it out after receiving an invoice or any proof and making sure it was a legitimate issue that had not been resolved. He stated he will put that in my file and let the company know.
Consumer complaint received 2018-09-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I filled a name change at my online bank ( HSBC, XXXX ) of which they forwarded me a secure email under a XXXX format ( automated signature done via email XXXX XXXX   XXXX? XXXXXXXX XXXX ). The documents they requested were an id, a document showing the name change like my marriage certificate, and they also asked for my full social sec #. I had no issue since it was via a secure method and from/through my bank. 

They just sent me the executed docs via email ( unsecured /no protection ) which contained the image of my license, marriage certificate, and the doc containing my signatures and Full Social Security number. I was leery of my social # initially being submitted, but did confirm it was a secure method so my concerns lessened. I was not aware they were going to send it back to me in what appears to be an unsecured format. 

I responded to the email indicating that they sent all of my personal identification info through unsecured methods as well as called HSBC to file a complaint. On the call they said their emails are encrypted if sent from HSBC but, again, I dont see it. Also the email sent back was from XXXX under the HSBC name so I dont know if that is something that is auto generated from the vendor they use, which may very well not be secure. Since I dont know if my complaint to them will go anywhere, I thought I would file this with you as well. I have my credit frozen from the credit bureau breech but this is awful to send all of that data out for anyone to pick up. Since they are an international company, if they are sending unsecured emails out w/ PII then that should be also violating GDPR in the XXXX XXXX
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have 2 late payments on one of my capital one credit cards. I received paperwork on it saying my bill was due but I was already signed up for autopay and had more than enough money in my account to pay the minimum. When I realized there was an issue I paid this card in full and spoke with a representative to make sure I was signed up for autopay. I have spoke with customer service a couple times and they have not been helpful on something that was not my fault I have had no issues with getting my capital one account paid in time since this incident. I do not know what else to do. I should not be held liable for this.
Consumer complaint received 2018-09-25
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (NJ)

Re : XXXX  Loan # XXXX The HUD-1 Inspection fees, Lender ( I ) ( C ), need to be stipulated on the Repair Rider as a contractual agreement to be incurred by the Homeowner ; not the Lender. The Repair Rider ( I ) part ( C ) would have to be revised ; the one-time Repair Administration fee ( I ) ( B ) was the only fee/charge referenced.
Consumer complaint received 2018-09-25
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. (MI)

i have sent over a police report, fraud identity report, along with my id and social security number and a copy of XXXX several times to XXXX, XXXXXXXX Experian. I have been a victim of identity theft and have taken all the available procedure available to me to get them to report accurate information on my credit file. I have never had a late payment in my life prior to the identity theft that started XXXX. They keep reporting XXXX credit cards in access of {$70000.00} in my name, XXXX XXXX {$9000.00} and to XXXX XXXX XXXX as late XX/XX/18, XX/XX/18. That is impossible because they automatically withdraw from my checking out since the first payment for the lease. Please have them make sure they only report ACCURATE Information.
Consumer complaint received 2018-09-21
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: FIFTH THIRD FINANCIAL CORPORATION (IN)

My credit card number was used for several online purchases without my authorization. Here is the summary : XX/XX/2018 XXXX/Bill XXXX Ca - {$28.00} XX/XX/2018 XXXX XXXX/Bill XXXX Ca - {$6.00} XX/XX/2018 XXXX XXXX/Bill XXXX Ca - {$22.00} XX/XX/2018 XXXX XXXX XXXX XXXX Ca XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$9.00} I attempted to dispute this with 5/3 bank They closed the account, but then transferred these balances to my new credit card account. I had to call them three times to get a dispute started and even now I am not sure that they are investigating them. They indicated that they would look at them within the next 90 days, but that I would still have to pay interest on the purchases and that they might not issue a credit for them.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was submitted well before the due date of XX/XX/XXXX. I have attached bank statements and payment confirmation as evidence that my payment was made on time. 
Despite the timely payment, the late payments entry of 30 and 60 days has been inaccurately reported by XXXX, which may have been caused by a clerical error in processing my payment. 
Additionally, there was no notification or communication regarding a late payment, and I received no notice of delinquency from the creditor, further supporting the claim that this was an administrative mistake. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my second attempt to correct the issues with this organization. 

XXXX XXXX XXXX will respond to anything from the cfpb almost immediately, which is why I am using this form of complaint once again. 

XXXX XXXX XXXX has misreported for over 90 days on my Transunion report egregiously. 

According to my findings, XXXX XXXX has not reported payments for XXXX, XXXX, and XXXX of 2018. 

Since this is beyond the 90 day period for reporting as stated by the FCRA, I am seeking a goodwill adjustment from this company to remove the repossession remark on all XXXX major credit reporting agencies. 

You can see my findings in the attached images below. 

I have tried contacting XXXX XXXX since this problem started only to have them ignore my requests for updating. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-09-24
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. (IL)

I have an account on my credit report from XXXX auto-this car was stole off the dealership while I was signed my contract. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with XXXX auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car through my car insurance, and I tried to help XXXX  get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that XXXX  told me to do and submitted it. I thought it was done, because I didn't hear anything from XXXX. 
I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. XXXX and XXXX XXXX has blocked/remove this debt off my credit and all three blocked/removed it off my husbands. But Equifax refuse to remove/block the debt off my credit report. They tell me that it's not fraud because I can't produce a police report. And I can't get a copy of the report, because XXXX pd didn't accept the complaint because the car was never in my name. And now XXXX is trying to collect a debt that is Fraud!!!!
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ME)

Following advice that it is now possible to put a freeze on my credit report with all credit reporting companies, I tried to do this with Experian on XX/XX/2018, but although I gave them all the information they needed and checked it for completeness and accuracy, they are putting me through hoops by refusing to comply and requesting that I send them any amount of additional information through the mail. I thought putting a freeze on credit reports was now supposed to be easy.
Consumer complaint received 2018-09-20
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. (NV)

They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months now.
Consumer complaint received 2018-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I completed 120 payments to fulfill my Public Service Loan Forgiveness Program this year. I received a letter on XX/XX/XXXX from XXXX XXXX that was consistent with previous letters and indicated that I had 2 remaining payments and that I would complete my 120th payment in XXXX. I then received another letter on XX/XX/XXXX, now indicating that I had 4 payments remaining and that my final payment would be in XXXX. I immediately called to dispute this as I noticed I was now being credited two payments less from XX/XX/XXXX through XX/XX/XXXX. Although I disagreed, I figured it was easier to pay two more payments than to have to go to my bank and pay to request the old statements. I did call however ask for a review. Then on XX/XX/XXXX, I received a letter indicating that I still owed 4 payments and now their was 1 more payment from XX/XX/XXXX to XX/XX/XXXX, but one less from XX/XX/XXXX to XX/XX/XXXX than the previous letter. I called again questioning further discrepancies and wanted an explanation. After a lot of rudeness and talking over me, a representative indicated that two of the payments weren't credited. Although I disagreed, I figured it was easier to pay two more payments than to have to go to my bank and pay to request the old statements. I asked for another review. After speaking with this rude rep, my problem got worse. I received a letter on XXXX now indicating that I owed an additional 34 payments and that I would not be done until XX/XX/XXXX. I went from 2 to 34 payments remaining in 2 months. I submitted my request for loan forgiveness and requested forbearance to give them time to review and correct so that I wouldn't have to keep paying in XXXX. I was denied quickly on XX/XX/XXXX. I was frustrated and upset and I spoke with XXXX on XX/XX/XXXX. She indicated that she was requesting a manual review and that it would take 60 days. She said I should follow up in XXXX. After not hearing anything I contacted XXXX on XXXX. He said he saw that problem was that my account was placed in Pre Pay Status. He said he entered a request to remove it would expedite a request to have a manual review. Again, this would take 30-60 days. After not hearing any news and receiving notice that my forbearance was over and payments would continue, I contacted XXXX on XX/XX/XXXX to follow up on the status. He said he would again request a manual review and that the Department of Treasury has to review the payments. He would not provide me a timeframe. Please assist me as my account has been severely mismanaged and I have not received good customer service and follow through from the loan servicing company.
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have asked repeatedly for Portfolio Recovery to send varification of the debt and they have repeatly sent only a statement from the supposed credit card company I owe the debt too. No Varification has been provided. No signature saying the debt is mine nothing. 3 varification letters with the same response and nothing to show the debt is valid. This started in XX/XX/2018.
Consumer complaint received 2018-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

I went in for a procedure in XXXX of 2016. I was told the procedure was {$5000.00} flat fee all included and insurance covered it. I paid my copay and had the procedure done. Now, 2 1/2 years later, this is on my credit report for {$910.00}. Much of this is fees and add on XXXX. charges for surgical trays and a consultation that were never mentioned. I had the procedure on the same day as the consultation where I was given all of the information. They checked my insurance, verified it was covered, took my copay before they would operate and then performed the procedure. The attached invoice shows that the insurance company actually paid them more than their quoted price that they offer when someone inquires. The procedure caused many undesired complications which I am still dealing with and now the Dr. is trying to collect on fake fees and trumped up consult and tray charges. Seems to be more of a greed driven business than a Dr . 

I am happy to discuss and I will be doing anything and everything possible to get this false charge off my credit.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

My husband and I are applying for a mortgage. I froze my credit in XX/XX/2018 due to fraud on my account at that time. I tried to unfreeze my credit from XXXX and Experian. 

I was disconnected 4 times from XXXX and FINALLY was helped. They have now unlocked my credit. 

I have now been disconnected twice from Experian. There is no consistent way to contact Experian by calling a live, real person. This is discrimination against people who do not have online access. The online access account will not let me access my account, and I am afraid to create a new one because I don't want to mess anything up in the system. 

These agencies have incredible power over my life. It should not be hard for me to contact them, it should not be hard for me to freeze or unfreeze my credit reporting. The fact that these for-profit agencies can have impact over my life like this is ridiculous. They need to fix their system and let their customer service people know that they are to give customer service. I have been on the phone this morning for over two hours and my issue is still not resolved.
Consumer complaint received 2018-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''