davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Desput the Credit Make on my report For the XXXX XXXX XXXX acc : XXXX. LEASE To Whom it may concern : On XX/XX/XXXX I called Toyota Finance to pay my account up to date. I spoke to a representative. I paid {$250.00} with this said representative which would have brought my account current. I NEVER pay my account though a representative I always pay online but do to the pandemic at the moment and trying to come up with funds from work being scarce I figured it would be easier to speak to someone to ecolate my payment so I would not have a bad on my report. 

I specifically asked said representative if my account was in good standing and if it would be reported to the credit bureau. She Said and I quote " No you're just under the wire '' ok good we hung up the phone not further action taken on this day. 

Later that day on XX/XX/XXXX a got an alert that my husband and I have a negative mark on our Credit report from Toyota stating 30 days late. I called right away to dispute it. I spoke to several representatives. They escalated my call to supervisors. One supervisor told me yes I see you called I have all the notes right here on the computer. I will lpull the call and listen to it because all calls are recorded. I will get back to you. Well don't you know this call in convently not recorded. They know I called they have the notes and my payment but they have no conversation between me and the representative. 

I feel I have been lied to and misresprented by there representative who they will now not give me her name to include in my report. 

Toyotal is refused to take the negative mark of the reports and told me even if the representative gave me that information it was fales and they CAN NOT take it off. Why would there representative lie to me? This is not fair to the hard working people who are trying so hard to keep up with there payments and bills ontime while the world has shut dowm making this acrion extreamly impossable. 

Please can someone help with this despite. Before this world went into a panic I have been working really hard to keep up my credit so I can buy a house on day for my XXXX kids. 


Thank you for your time XXXX XXXX
Consumer complaint received 2020-04-30
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. (GA)

I called XXXX XXXX collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my XXXX report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : **An explanation of what this alleged account balance is for ; **A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; **Documentation showing I agreed to pay this debt ; **The agreement that grants XXXX XXXX authority to collect on this alleged debt and a copy of their state license, including license number. 

Ms. XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my report. 

Today XX/XX/2020 XXXX XXXX decides to report the same collection information on my Transunion report under : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN - In which this address information is the same exact address listed for XXXX XXXX. I have provided documentation showing XXXX XXXX being deleted from my XXXX report as they could not validate this fraudulent debt ; proof showing this XXXX XXXX XXXX belongs to XXXX XXXX and documentation showing them adding the same exact collect on my Transunion report under " XXXX XXXX. ''
Consumer complaint received 2020-04-30
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

I have a bankruptcy that has been on my report since 2013, I am wanting to see if I can get it removed early. it is suppose to come off in XXXX of this year
Consumer complaint received 2023-08-11
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. (CA)

By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX  XXXX : ACCT # XXXX FRAUD/ REMOVE, XXXX  ACCT # XXXX FRAUD/REMOVE, XXXX ACCT # XXXX FRAUD/REMOVE, XXXX  ACCT # XXXX FRAUD/ REMOVE, XXXX XXXX ACCT # XXXX FRAUD/REMOVE, XXXX XXXX ACCT # XXXXFRAUD/ REMOVE, XXXX XXXX ACCOUNT # XXXX FRAUD/ REMOVE, XXXX XXXX XXXX ACCT # XXXX FRAUD/REMOVE, XXXX  ACCT # XXXX FRAUD/REMOVE, XXXX XXXX XXXX ACCT # XXXX FRAUD/ PL REMOVE, XXXX XXXX XXXX ACCT # XXXX FRUAD/ REMOVE, XXXX XXXX XXXX ACCT # XXXX FRAUD/ REMOVE have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On or about XX/XX/XXXX, Bank of America posted three charges to my credit card for a subscription service from XXXX XXXX XXXX from MN. Each charge was {$210.00}. 

I subscribed with XXXX for one XXXX service contract for one year at {$210.00} only. It is a video web service for conferencing and one subscription is all that anyone would need. 

I contested the charge and BOA credited the account for the two additional charges and began an " investigation ''. On XX/XX/XXXX, they claimed they had resolved the dispute and re-posted the charges. I contested it again. They advised that they would respond in 30 days. In early XXXX, I sent a certified letter with full documentation of the transaction, their correspondence, and correspondence with XXXX that confirmed that I only have one service subscription. Moreover, XXXX also agreed that they had only been paid for one subscription. 
In my latest ( XXXX ) BOA statement, the dispute issue has completely disappeared. I call them again, protested the charges again, was told a manager would call me back- they never did. 

This is my last resort before I seek counsel and sue BOA for my time, legal fees, and costs. It will be much more than the {$430.00} that is contested. 

Finally. after corresponding with XXXX, they pushed me back to XXXX Technical Service who claim they can not do anything with the issue because BOA has locked them out. 

For reference, the BOA account is current and being maintained.
Consumer complaint received 2023-09-16
Product: Credit 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: Self Financial Inc. (MI)

On XX/XX/XXXX, I noticed some unauthorize charges on my Self Finacial Credit card app from XXXX and XXXX XXXX. I contacted Self financial and informed them that I did not authorize these charges and that my credit card must have been breached. I was informed that my credit card would be cancelled, and I was given an email to reorder a new card. I never reordered a new card because I wanted to have the issue resolved before I continue to use their services. Initially after an investigation I was informed that the charges would be removed. I then received a letter in the mail that the charges would be reinstated because self has documentation that I authorized the charges and if I would like the documentation, I could call the number on the letter and receive a copy of the proof. I contacted Self on 2 occasions requesting this information. The only thing I receivds was a copy of the first letter ( I have attached ) 5 times with no proof of authorization. I am requesting to have this investigated. 

XX/XX/XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXX XXXX {$53.00} XX/XX/XXXX XXXX XXXX  {$21.00} XX/XX/XXXX XXXX XXXX  {$37.00} XX/XX/XXXXXXXX XXXX XXXX {$39.00} XX/XX/XXXX XXXX XXXX {$36.00}
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

I submitted a purchase dispute to my credit card company regarding a purchase of eyeglasses and contacts and they have sided with the provider. After speaking with a billing inquiry specialist on this date, I was told that once the glasses were made with my prescription, the sale is final. I am still to this date without glasses and contacts. The provider admitted that the glasses did not pass inspection and had to be redone XX/XX/XXXX. In XXXX they had to have the glasses remade with different frames, and the glasses still had what looked to be a calculus equation visible in the lenses and the legs of the glasses were completely wobbly. The provider claims the contacts were delivered on XX/XX/XXXX, but would not provide me with a PO number to file a claim. My concern is the credit card company is holding me responsible for a bill and I do not have the product. The billing inquiry specialist stated their policy, which could not be found online in the company 's FAQ 's, in fact it said nothing about conditions of the product in regards to returns. I have made contact with Synchrony on numerous dates which they have conveniently deleted from the portal, but I have confirmation emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After attempting to call them on this date, their CSR put me on hold came back and acted like he could not hear me and held the phone. They have sent letters to further the dispute, and I reply giving them the documentation requested, leave voice messages for who they directed them to go to, and they still have yet to respond.
Consumer complaint received 2020-04-30
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. (GA)

THE credit reporting agencies XXXX and Transunion are reporting a fraudulent account XXXX XXXX Account # XXXX is the original creditor and is now listed as XXXX XXXX XXXX ... ..this account was never reported to either XXXX or Transunion ... .it was reported as a closed account only on XXXX ... .and now they are reporting to the to other 2 bureaus as a collection and has dropped my credit score and I am in the process of purchasing a home ... .this is FRADULENT XXXX and this account should be removed and deleted immediately!! how are you reporting a collection that was never reported to either of the 2 bureaus to begin with and the account was Fraud! 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) no account number listed Transunion XXXX XXXX XXXX ( XXXX XXXX  ) no account number listed now how fishy does this sound ... ..this ACCOUNT IS FRAUD ... I am submitting the docs to prove it! I submitted my IDENTIY THEFT AFFIDAVIT in XXXX in 2019 ... I am attaching the documents now
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica ()

In 2017, I opened an account with Direct Express, an operation of the U. S. Dept. of the Treasury, for the purpose of receiving payments from the Social Security Administration. The account was later closed after it was noted that a 'commission ' was charged on the money withdrawn, contrary to the terms of the agreement. 

On closing the account I notified DirectExpress that I wanted the balance on the account to be returned to the SSA. Instead, DirectExpress have pocketed the balance ( {$910.00} ) and have refused to respond to my phone calls or written communication for over 2 years. 

As a result, I had no option but to withhold the money from the IRS!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (NV)

Real time resolutions has been contacting me for years, claiming I owe them {$65000.00} for a mortgage loan. I have notified them dozens of times to advise the they have the wrong person and that I dont owe this money. I am still receiving collection notices that I now owe {$100000.00}. Late fees, late payments. Etc. I would really like to get this settled in court or a means to stop receiving these harassment letters and phone calls. They are calling me and threatening me that I am going into foreclosure and just being really insulting. Please help. Thank you XXXX XXXX
Consumer complaint received 2020-04-30
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: Radius Global Solutions LLC (CA)

During the time period of XX/XX/XXXX - XX/XX/XXXX I contacted several companies reporting negative information to review and assess this information. I'm a victim of identity theft and believe these accounts are related to this occurrence. I provided sufficient documentation to justify my position and prove that this information is inaccurate and does not belong to me. These companies have failed to provide any substantial proof of these claims belonging to me. I'm troubled by these actions because despite the removal of the same inaccurate information from the major credit bureaus these companies continue to report as verified. I still do not have not any proof from the creditors certifying their claim.
Consumer complaint received 2020-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately :
Consumer complaint received 2023-08-10
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX- XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. XXXX  further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  -XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported that I applied for credit In which I never applied for. They violated my rights to have fair and accurate Information to my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report is violation on my consumer protection rights.
Consumer complaint received 2023-08-03
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. (FL)

In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, I changed my phone number & network provided from XXXX to XXXX XXXX. 

I have made upwards of 30 attempts to change my phone number via the web portal, and have made multiple phone calls to the customer service team. 

These calls have ranged from completely useless ( First Communication  XXXX ) to helpful but unsuccessful ( XXXX - XX/XX/XXXX ). 

I no longer have access to my old phone number, however it is still listed as the primary means of Two-Factor Authentication. This is a huge security risk as someone could claim this number and pretend to be me. No  other finanical instituation has had an issue with this change ( XXXX XXXX, XXXX, SSA.Gov, CA State, Federal ) For the last time, this phone number is not a VoIP. It's not my fault you never update your systems. You are putting my financial information at risk by not complying.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Dear Sir or Maam, I have a bankruptcy on my 3 credit bureaus that state a date of XX/XX/XXXX. The actual bankruptcy was in court back in XX/XX/XXXX. It should be removed by FCRA laws in XXXX. 
I have contacted all 3 of the bureaus and they all state that they are planning on keeping the bankruptcy on my reports until XX/XX/XXXX but I must request the removal at that time only. Even with a XXXX date, it is only 5 months away. Couldn't they removed the bankruptcy at this time? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX