davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

In response to claim number XXXX, employees at Toyota Financial Services who is under the umbrella of Toyota Motor Credit Corporation failed to do their investigations and have shown no proof that they conducted initial investigations regarding the dealership. Anytime a customer relations matter occurs they must conduct an investigation to resolve all matters. Also how there be consideration provided to me when the application itself along with the promissory note ( the check endorsed for the dealer to take to the finance department ) were not only sold but the indirect and or lender never loaned not one cent. I funded the whole transaction and employees at Toyota on recording have already admitted that they sold the original in exchange for payment and return the funds back to me and a loan. This is a clear violation of Truth and Lending. Employees at the XXXX Companies are failing to conduct investigations which violates 42 United State Code 1983, 1985 and 1986 and are co-conspirators for failing to take preventive measurements regarding deceptive, fraudulent and unfair practices.
Consumer complaint received 2023-12-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This Company is trying to collect on bills from a doctor that wrote off these bills. I do not owe anything to this Company. They call using other peoples personal numbers to disguise their identity, and they call at odd hours and on Weekends. I have told them to stop calling me, but they keep harassing me.

Also, the Dr office did not go through my insurance company to negotiate the billing, I have Medicare and it wasnt used for the large billing.
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS (UT)

I am a victim of identity theft. My information was compromised when my wallet was stolen containing all of my personal information. I have contacted LexisNexis asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.
Consumer complaint received 2024-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: OneMain Finance Corporation (NC)

Account paid off XXXX. XXXX not sent out til XX/XX/XXXX after numerous calls requesting title. XX/XX/XXXX loan payment of {$280.00} taken from bank account after account already paid an closed. Bank statement sent to company for verification that payment was taken out. Keep being told Managers have to verify and Ill receive a call back, havent received any responses.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

Im not sure how this person got ahold of my debit card but I received a text message from my bank wanting to verify a transaction, I call navy federal and explain that I am at home Im not using my card. Upon looking for my card while in the phone with a Navy federal representative the person was still using my card. The representative told me that she would block the card so the person would not be able to use it. I eventually started driving to the stores where my card was alerting me it was used. A cashier at the smoke shop on XXXX XXXX provided me with a description of the person using my card. I spotted the person and followed her to shell gas station 2 mins away on XXXX XXXX XXXX XXXX. I was able to get picture of the person and also take pictures of the license plate of the car she was driving. The charges total out to {$620.00}! I submitted a fraudulent ticket to Navy Federal and received a provisional credit, on XX/XX/XXXX I received a notification that the charge was not fraud, and the provisional credit will be reversed. I work very hard for my money, Navy federal is notorious for this behavior. As I explained to the rep, the card was still being used even after I canceled the card I get emails that that card was being declined. Im not sure how they conduct their investigations but they would have seen the pattern that this lady was using my card in stores where she didnt need a pin. And the 2 other stores she tried to use it at declined it because she didnt have a pin. I spoke to them directly. I have a police report with her pictures and her car pictures attached. This is very unfortunate that this is how navy federal treats their customers. 

Ive submitted to appeals, and they have denied both stating I did not provide enough information. If there calls are monitored and recorded, they would hear the conversation I had with the representative when my account was flagged for fraud. 

I submitted a valid police report and other supporting documents and they are still stating they did not have enough information. Im not sure what else they want me to provide. Ive called multiple times and attempt to find out what steps were taken in the ruling of denying my appeal and was informed that they can not provide me with a copy of the investigation.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a dispute because none of these companies notified me 5 days prior toplacing information on my credit report. I requested proof of an originaln document showing my name and address on it and the credit bureau has not reposded to my requests. The accounts are from ; XXXX  XXXX XXXX or XXXX
Consumer complaint received 2023-03-21
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: SUNRISE CREDIT SERVICES, INC (MI)

-In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXREPORTED TO MY CREDIT REPORT {$14000.00} FALSELY 15 U.S.C 1681 Section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NJ)

Inaccurate reporting on background. Under Virginia Code 46.2-862 It is reckless driving to drive at a speed 20 mph or more over the posted speed limit. My ticket was a XX/XX/scrub>85/70 which is not considered a misdemeanor or reckless driving. Please remove this inaccurate listing from my background immediately.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I am writing to express my disappointment and concern regarding the inaccurate credit reporting by Synchrony Bank/Verizon . This incorrect reporting has severely impacted my financial situation. 

On [ insert date ], I noticed a new account on my credit report that I did not open. I immediately sent a notice to Synchrony Bank/Verizon , requesting validation of the debt and its removal from my credit report. This notice was sent via certified mail with tracking number XXXX. Despite my notice, no action has been taken to remove the debt from my credit report. 

As a result, my credit score and report have been negatively affected, making it difficult for me to obtain the credit I need to purchase a home. I am requesting that Synchrony Bank/Verizon immediately remove the erroneous debt from my credit report. Additionally, I request a copy of the validation letter sent to the credit bureaus. 

If Synchrony Bank/Verizon does not resolve this matter promptly, I will be forced to take further action, including filing a lawsuit. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

Columbia Debt Recovery has placed a debt on my credit report from XXXX that the original management company representing XXXX XXXX XXXX  waived any payment. I have not lived in XXXX XXXX in XXXX and this couldn't be mine. 
This is arbitrary to have this old four year old case withheld from anything because it was resolved as waived by XXXX and their attorneys in XXXX. The new company, XXXX and their attorneys never refiled or said that I owed anything because they owed me. Moreover, the XXXX XXXX XXXX court heard the case and they lost. [ XXXX ] The company was XXXX XXXX XXXX XXXX XXXX XXXX. Their attorneys never refiled and I didn't either. I have tried multiple times to negotiate in XXXX and XXXX through XXXX of XXXX. 

This company placed this to block me from my further studies and federal retaliation from XXXX and the XXXX. These are the main government entities that knew that this was worked out. 

The new management company, XXXX never refiled this case while they had the opportunity to do so. Now, they have newly placed this debt on my credit and have waited well over four years. This makes it appear that this is new debt and it is not. I'm owed {$5500.00} by this creditor for property damage and personal injuries while in their mold infested apartment and harassment by their employees. This is more of the retaliation and harassment by that group [ See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] This apartment complex and entity are trying to ruin my credit by their friends, that wretched group of misfits. 

Moreover, I don't owe them this debt and it should be removed from my credit report. Also, the judge has already ruled on this case and it was not reheard whether it's owed or not. This current management company don't have any debt that I owe. This is racial discrimination and desperate treatment towards me as a woman of color.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (OH)

Between the date XX/XX/24 and XX/XX/24 SYNCB/Care Credit decreased my credit amount by {$3000.00} to a limit of {$2900.00} ( account balance ) ; Previously {$6000.00}. It dropped my score in XXXX by XXXX points and XXXX by XXXX points. There was no notification of the change and when I went to use my card to pay for a dental bill I did not have the balance to support it. I requested an increase through their app and it was declined. 

I reached out via live chat, told the agent that since I applied for the account my credit score, and income had increased, while overall debts decreased and there was no reason for them to decrease my limit. The only thing I can think of was that it is not a frequently used card for me. She attempted an increase but due to my new much lower score I was denied. 

I have XXXX accounts through Synchrony. Previously I had XXXX other accounts that were closed by them. One through Value City Furniture that was closed due to lack of use, the other XXXX that was closed due to company closing/buyout. All of this has effected my credit score over the years. I think it's unfair that without my doing or control they can have such an impact and no requirement to make it right. My payment history in all reports is stellar, and until this change my credit usage was under 20 %.
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to dispute a charge-off listed on my credit report, which I believe has been reported inaccurately and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ). This statute requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
The item in question is as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Reported Charge-Off Date : XX/XX/year> According to the Internal Revenue Service ( IRS ) , a canceled debt reported as a charge-off XXXX be considered gross or ordinary income. I received a Form XXXX indicating this debt was canceled on [ Date of Cancellation ], which, according to IRS guidelines XXXX legally releases me from the obligation to repay this debt. 
In accordance with the FCRAs stipulation for accuracy, and based on the legal cancellation of this debt as evidenced by the IRS documentation, I am requesting the removal of this chargeoff from my credit profile. The continued reporting of this charge-off is not only inaccurate but also misleading, given that the debt has been legally satisfied and should no longer negatively impact my credit history. 
Attached are copies of the following documents supporting my claim : Form 1099-C indicating the cancellation of debt. 
Correspondence with the creditor confirming the status of the debt as canceled. 
I request that you conduct a thorough investigation into this matter and remove the inaccurate charge-off entry from my credit report promptly. Please provide me with written confirmation of the removal of this item, along with an updated copy of my credit report. 
I expect a response within the statutory timeframe of 30 days as mandated by the FCRAFailure to correct this error could result in further action, including potential legal proceedings to ensure compliance with the FCRA. 
Thank you for your immediate attention to this issue. I look forward to your prompt and positive resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

They said I have applied to a secure loan with them but I never have applied for any loans and never have made a payment on the account. I asked them to validate this account by sending me all the information that I need in order to validate and they never did. In addition, they continuously reporting such accounts to the credit bureaus. Specially Experian that in going agains the law with the charge off accounts. I know my rights that every charge off accounts after written off they should sent me a 1099c I could filled for taxes but they never did.
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

I sent a payment electronically of {$75000.00} through my checking account. 
It was received by Caliber Home Loans on XX/XX/22. 
Instead of applying the XXXX mortgage payment of {$1700.00}, they applied 3 months of mortgage payments and the remainder in a " suspense account '' instead of applying to our principle. 
When I called on XX/XX/22 & spoke to XXXX in the resolution dept., she said this was to be corrected by then end of the week. Instead they then applied {$9900.00} and to the next 5 months mortgage and the rest is somewhere in limbo! 
I called again on XX/XX/22 and spoke to XXXX, again this rep said it was to be corrected immediately, one month mortgage payment and {$73000.00} towards principle. 

Again this morning I sign on, and nothing has been corrected. 
Isn't this a misappropriation of funds!?
Consumer complaint received 2024-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (TX)

A security with a declared value of {$89000.00}, via XXXX XXXXXXXX XXXX, was delivered on XX/XX/XXXX, registered mail return receipt XXXX, signed by American Credit Acceptance XXXX XXXX XXXX at XXXX, for settlement in full of the account. I was told by XXXX ( supervisor ) that a payment was being processed but when I called back no one knew what I was talking about and can not locate the payment. I am concerned there may be organized crime. They are not responding to letters in the legal department and I have spoken with multiple supervisors- XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all who have given different stories. T. 
XXXX should be under investigation because that individual signed for the parcel. Postmaster XXXX XXXX has assured that the parcel was delivered and signed for. XXXX XXXX XXXX, the XXXX XXXXXXXX ID XXXX exp. XX/XX/XXXX has confirmed the parcel contained the security before sealing the parcel. The companies prospectus allows for settlement of account via the Securities Exchange Act of XXXX and XXXX Indenture Act of XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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.

Equifax 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