davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
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 (CA)

I purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2024. I traded in a vehicle and for the remainder of the purchase price of {$37000.00} I wanted to pay cash. I was told I qualified for a loan through Toyota Financial Services at 6.99 % interest and that it would be better if I financed the remainder vs. paying cash. I disagreed twice but went ahead and signed the loan agreement electronically on a keypad. When XXXX gave me a copy of the paper loan agreement 's I told the Finance Manager, XXXX, that I didn't agree with the {$1200.00} GAP coverage cost. He said I had to have it as I didn't own the vehicle outright. I disputed this twice. He said it was an add on cost per Toyota Finacial Services that would protect me if the car was totaled, etc. before I paid it off. 

I asked where my second key fob was. I was told it would be ordered and would take 7 days to receive. The sales representative XXXX told me he had two keys to give me when I agree to the purchase price, which was 100 % untrue. XXXX had two keys on his desk and said they " were mine. '' He lied.

Four days later I received a voicemail message from XXXX stating that Toyota Financial Services couldn't verify my identify and couldn't fund the loan and he needed me to bring him a copy of my social security card. I told him I would come to the dealership on Saturday, XX/XX/XXXX but reminded him I had leased a vehicle through the dealership about seven years prior and my identify was fine. He said I had fraudulent activity on my credit report or identify theft. I checked all three of my credit reports and no identify theft or fraudulent activity was on any of the reports. 

On Saturday, XX/XX/2024 I went to XXXX XXXX XXXX and showed XXXX my original social security card which he copied. I also gave him a check for {$37000.00} and told him I didn't need GAP insurance/coverage and wanted to pay for the car. 

I point blank asked him if GAP insurance or coverage was mandatory as I had done my research and he said no. 

He gave me a receipt for the check and also a due bill for the second key fob which is valued at {$790.00}. 

I found out on XX/XX/2024 that Toyota Financial Services had a lien on my XXXX XXXXXXXX even though I had paid for the vehicle and the check had been cashed and had cleared the bank on XX/XX/2024. 

I called the dealership. They said the lien would be cleared. Unfortunately I looked and when I leased a XXXX from this dealership prior, I was again charged GAP insurance which I paid over three years, even though I disputed the need for the insurance. Their sales, finance, and business practices are deceptive
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (NY)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$350.00}.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

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.

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 2023-06-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This Capital One account ending in XXXX was listed as part of my bankruptcy in XXXX. This account has not been listed on any of the 3 credit bureaus in over 17 years. I went to pay another Capital One account that is in good standings and my bank never removed this account ending in XXXX from the list of creditors I pay by phone. 

In XX/XX/XXXX. I accidently made a {$190.00} payment to what I thought was the active Capital One account. The payment went to this closed account. I called Capital One and told them this account was in bankruptcy and to return the money. They would not return the money. The Capital One representative told me that she would turn this dispute over to the Capital one attorneys and get back to me in 10 days. She never did and I never received a call from the attorneys. 

Next month for the first time in 17 years I received a statement from Capital One for payment on account ending in XXXX. They took the {$190.00} payment. Chopped up the amounts into smaller payments of that money from {$38.00} to {$73.00}. Backdated those payments and spread that {$190.00} payment from XX/XX/XXXX back to XXXX to XXXX to make it seem like I have been paying all along which I have not done. Then they reported this account as charge off. 

I pay all my bills on time. My credit score was XXXX. Now because of Capital One AND ONLY Capital one my credit score is XXXX. All the credit card have with good rates have now increased the interest rate to 29.99 % Because of this charge off. I am not in collections because when I gave the lawyer of of the collection agency my statement. They had no further contact with me. My recent credit bureau dated XX/XX/XXXX reports " 0 collections found ''. 

I feel that because I am XXXX XXXX XXXX, Capital One bank took advantage of me and treated me unfairly as a senior citizen by : 1 ) Not listening to me and returning the money when I told them the account was listed in bankruptcy.

2 ) Lying to me by telling me that a Capital One attorney would be contacting me and never did.

3 ) Fraudulently not showing the {$190.00} payment made in XX/XX/XXXX but deceiving me by sending me a statement with small monthly payments backdated and spread out over 10 months to make me think I was paying all along. 

I am on a fixed income and the financial burden Capital One create by paying extra interest on my other cards has affcted my quality of life. 

Please help me
Consumer complaint received 2024-04-09
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: Experian Information Solutions Inc. (UT)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2023-12-20
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. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAVALRY INVESTMENTS, LLC (NY)

Cavalry portfolio servic theyre trying to collect a debt that doesnt belong to me for {$620.00}. I believe its from a XXXX credit card I need this item to be removed from my credit report I dont have any knowledge of this it was already Removed from my XXXX now Is showing in my XXXX and XXXX. Credit reports my phone number is XXXX my name is XXXX XXXX XXXX the last four digits of my social are XXXX
Consumer complaint received 2023-04-03
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-12-20
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. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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
Consumer complaint received 2018-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I closed my Bank of America checking account in early XX/XX/2018. The final balance was a little less than {$90.00}. I requested for the money in that account to be applied to the balance on my credit card that I have with BofA. When it was not applied a few weeks later I called to ask what had happened. Customer service told me that a check had been sent out to my address. Well, I asked for it to be applied to my Mastercard because I moved. So I did not have access to that address. It is now almost 3 months later and I have not received the money. Customer service keeps giving me the run around and saying they are sending out new checks to my new address but I never receive anything.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-08
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)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

of erroneous accounts reported on my credit file. After reviewing my updated credit report, I found multiple errors that are affecting my credit score negatively. This is unacceptable, and I demand prompt action to rectify these errors in compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am asking the Credit Reporting Agencies to update and rectify the following incorrect accounts on my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Your record-keeping is inadequate. This item is reported as past due, but the account is closed with a XXXX balance. Please rectify it now. Either provide evidence that you haven't reported false information or remove it. 

XXXX XXXX XXXXXXXX Balance : {$0.00} The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please rectify this immediately. Either provide proof that you haven't reported false information or remove it. 

XXXX XXXX XXXX Balance : {$0.00} I am disputing charge-off accounts that are still reported on my credit file despite having a XXXX balance. These accounts have been paid off in full, and I request you investigate and remove the charge-off status, as it is adversely impacting my credit score. Additionally, I request a detailed explanation of the charge-off status.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$20000.00} XX/XX/XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

.its impossible that all 3 of them ( XXXX , experian, XXXX ) can verify that this is an accurate if there information is missing within all 3 of them and are not matching. 

under the FCRA i am entitled to a 100 % and accurate reporting and that is not the case here as information is missing and does not match in a case where one says account closed and the others says open, the date of when it open dont match and the date of last activity says other wise as well and does not show when the last dilequency i missing in the other 2 and shows in one and not the rest which shows a major reporting error within XXXX , experian, and XXXX XXXX or could be the reporting error with the debt collectors reporting as well the amount is in accurate for the debt collector is not suppose to charge me with the hold over rent stated in the court document witch the debt collector does not want to adhere too
Consumer complaint received 2023-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I went to bank of America and XXXX XXXX and established a balance. For bank of America the mortgage on the paid off house was XXXX and for XXXX XXXX the balance on the checking account was XXXX and savings account unknown for my deceased mother who passed away XX/XX/XXXX. They needed me to get court papers and a death certificate. I got those papers stating me executor of the estate. Now the banks are acting as if the accounts are non existent. Since then in XXXX I've been XXXX so I've been in therapy and now I just needed help accessing those finances. Please see attach document of the probate