davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern, I am writing to file my second CFPB complaint after a thorough review of my credit report revealed an erroneous late payment listed on XX/XX/XXXX. This late payment, attributed to the account XXXX with the account number XXXX, is entirely inaccurate. I can confirm that I have consistently made every payment on time, including the one for XX/XX/XXXX. 

As a consumer, I understand the critical role that consumer reporting agencies play and the importance of their responsibility to accurately report consumer information. It is disheartening to discover such an error on my credit report, particularly when it impacts my financial reputation. 

Therefore, I am formally requesting a thorough investigation into this matter. I urge you to provide proof of statements indicating that these payments were indeed late. If such proof can not be provided, I demand that the late payment entry be promptly removed from my credit report and that my payment history be updated to accurately reflect that all payments were made on time. 

I trust that you will give this matter the attention it deserves and take swift action to rectify the inaccurate reporting. I look forward to receiving confirmation of the investigation 's commencement and resolution within the stipulated timeframe. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OH)

I have federal student loans with Edfinancial. 
At the end of the school year in 2023 after completing my XXXX year in a XXXX XXXX XXXX, I put in my XXXX loan forgiveness application into Edfinancial with all of the appropriate paperwork with signatures proving my years of service at the XXXX XXXX XXXX In XXXX I got a notification from Edfinancial that my application was denied because XXXX of the schools I worked at was not on the list for low income schools. I checked the list after getting this denial and saw that my school was on the list but there was an error on the cover page that said XXXX XXXXXXXX XXXX XXXX  XXXX XXXX instead of XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX. The page that had to be signed by the HR department to prove I worked at the XXXX had the correct XXXXXXXX name listed on his paperwork that was included in the papers given with the application. I called Edfinancial Customer Service and told them what must have happened with the mistake and a claim was put forward. I was told by Edinancial Customer Service that they would reach out to me with information about the claim and the status and that it would take a while for it to process. I never had any email notice or letter in the mail about the status of the claim. 
This past weekend I was going through my exit loan process for my XXXX XXXX and saw that I had interest accruing on my loans. I had a forbearance put on my XXXX loan so that It would not accrue interest until it was paid off with the XXXX  forgiveness loan. 
I reached back out to Edfinancial and was on the phone with them for an hour and twenty minutes. I found out that the claim from XXXX was denied and they never reached out to me or sent me a letter giving me information. The customer service rep that i spoke to said he talked to several people in the office that agreed that the application should have gone through. I was told to resubmit my paperwork. The problem I have is that I have done everything I should have done to get this approved. I do not believe that I did anything wrong with my paperwork. Edfinancial has made this process ridiculously hard and I do not trust that they will do or have done what they are supposed to do with the application process. I believe that a third party will need to take part in order for this to be looked at again and for it to be processed correctly! Please help me with finalizing this.
Consumer complaint received 2024-01-24
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. (GA)

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. 


Account Name : XXXX Account Number : XXXX 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 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

Toyota Motor Corporation has repossessed my car after stating online that I have a XXXX balance after paying {$500.00} a month for XXXX years on my car loan. They made up misc. fees that add up to over {$8000.00} and is forcing me to now pay a lump sum of over {$8000.00} or else I will never see my car again with no other type of negotiations possible. I do not have that kind of money and they will admit no wrongdoing on their behalf. They will not allow me to make any more monthly payments and just want a lump sum now. They are not willing to work with me on anything and just are bad people to work with. I took the car loan out in XXXX, I filed bankruptcy in XXXX. My bankruptcy was approved and toyota ignored my bankruptcy ruling with no chance of a refinance option as toyota would not allow it and demanded {$500.00} a month no matter what. I thought mafias were illegal in the united states but toyota motor corporation has proved me wrong as my attorney is unable to even get my car back as toyota has me in a weird legal loophole through a certain page in their contract that allows them to overcharge me. It's very bad business and i'll never deal with toyota again. Read the contract fully and carefully. I was lied to on the contract.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (MA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00}
Consumer complaint received 2023-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (MN)

I purchased my house in XXXX and had two mortgages ( XXXX ). I have been paying regularly on my first mortgage ever since. In XXXX, I modified my first loan and was told an Obama program took care of the 2nd loan. Suddenly, on XX/XX/XXXX I was hand delivered a sheriff 's sale notice to take place on XX/XX/XXXX. The servicer on the sheriff 's sale notice is Real Time Resolutions , Inc, and their lawyer is XXXX XXXX XXXX XXXX. I received no prior notice at all but I also believe this 2nd loan was forgiven/cancelled as of XXXX. I have received no communication from any company/business regarding the 2nd mortgage since the modification of my first mortgage in XXXX. This seems illegal and I believe I am a victim of a scam.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

I was.scammed to the total of {$1000.00} dollars by an individual by the name of XXXX XXXX posing as an individual as XXXX XXXX XXXX XXXX. If I did not make this transfer today, he would turn my case over to the criminal division which would create a warrant for my arrest.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

I found a XXXX dollar fraud transaction on my account and they keep refusing to give me my money back for a purchase from a company called XXXX XXXX I have now filed a claim 5 times and keep getting denied
Consumer complaint received 2024-04-12
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. (GA)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-01-24
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. (GA)

I kindly seek your assistance in correcting my personal information. I have clearly outlined all necessary corrections in my letters to each credit bureau, and I have attached proof of the inaccuracies in my records. This correction is crucial to me due to the presence of derogatory and negative accounts on my credit report that I find misleading and incorrect. I urgently request these to be validated and removed.
Consumer complaint received 2024-04-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

I was contacted by CREDIT COLLECTION SVCS via mail about wanting a full payment or arrangement immediately for {$740.00} XXXX XXXX XXXX XXXX, MA XXXX They let me know they had my XXXX in collections, which I hadn't heard anything from anyone in years about, especially because it was covered by health insurance I had at the time, telling me they're going to take action and my credit would be affected and I know they also contacted my father, which no one had permission to do nor did his number ever get submitted on any account by me, so I don't know how they even acquired his number. I never knew or gave permission for my information or account to be sold off. according to 15 usc 1692c ( c ) If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communications. In reporting to my consumer report, that's a form of communication and also I never knew or provided permissions.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (GA)

I have recently reviewed my credit report and I am a fallen victim to identity theft of several accounts that are open on my credit report causing hurt and distress due to me trying to move forward financially. I kindly request you to remove these accounts from my credit report. Thank you for your assistance.
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

I don't recall having a contractual relationship with this collection company CREDIT COLLECTION SERVICES. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

In XXXX, while living in XXXX, I opened a car policy with XXXX XXXX. In XXXX of XXXX, I relocated to XXXX XXXX Sometime in XXXX, I contacted XXXX XXXX to update my information. In XXXX, I switched to a new insurance company ; the policy started on XX/XX/XXXX. According to XXXX XXXX rules, the new agent sent XXXX XXXX the appropriate form to cancel the previous policy. My new agent promptly provided the necessary cancellation forms to the insurance company on multiple occasions ( XXXX XXXX and XXXX XXXX ) ( please see the attachments ). 

Between XXXX and XXXX, I received multiple letters from XXXX XXXX demanding payments. The numbers did not match my previous policy. I tried numerous times to contact XXXX XXXX and could not find a solution. Further, when I tried to log in to the XXXX XXXX portal, the website stated that did not have a profile ( please see attachment ). 

In XXXX, I talked to a XXXX XXXX representative who explained that I had two policies, one for XXXX  and one for XXXX XXXX. When I called to update my information, the XXXX XXXX agent created a new policy, effectively over-insuring me and illegally charging me for two policies. In that conversation, the representative explained that I could cancel the policy for XXXX  but not XXXX XXXX because the latter requires a Cancelation Request/Policy Release form to be turned in. I explained that the agent at my new insurance company had provided that information. The XXXX XXXX representative said she did not see the form. 

I requested the new agent to submit the form once again. In total, she submitted the form three times. Further, she called XXXX XXXX. XXXX XXXX acknowledged they had received the cancelation form. 

In XX/XX/XXXX, XXXX XXXX sent the North Carolina DMV a no-insurance notice. Because of this notice, North Carolina canceled my registrations and plates- even though I was fully covered through my new policy. 

On XX/XX/XXXX, I received a text message from " Credit Collection Services '' regarding my previous account with Framers Insurance. I received other text messages on XX/XX/XXXX, for a total of three text messages. The text messages stated that I should contact XXXX or www.ccsnotice.com, reference file # XXXX ( please see attachment ). 
Another text message stated that I should contact XXXX or www.ccspayment.com. 

When I contacted the debt collector, I requested documentation and clarified that I intended to dispute the debt. The debt collector representative said I should get the paperwork within 30 days. I am still waiting to receive correspondence from the debt collector. 

I am disputing this debt for the following reasons : 1. The debt is not valid. XXXX XXXX illegally created two policies for identical vehicles and failed to follow proper procedures when the company 's agent provided the necessary forms. 
2. The debt collection company still needs to provide documentation regarding this debt. 
3. The collection company contacted me on a Sunday.
Consumer complaint received 2023-08-25
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. (AL)

I am writing to file a formal complaint regarding a discrepancy I have encountered between my credit reports from XXXX and Equifax. The issue pertains to certain items that were removed from my XXXX credit report following an investigation, while these same items remain on my Equifax credit report. 

Please See Attached. 


I initiated a dispute with both XXXX and Equifax to address the inaccuracies in my credit report. XXXX conducted an investigation and subsequently removed the items in question from my credit report. However, Equifax has not taken similar action, and the items remain on my credit report with them. 

I am concerned about the inconsistency in how these items are being handled by different credit reporting agencies. I kindly request the following actions XXXX an inquiry into the investigation and verification process used by Equifax for these specific items. I request transparency regarding how they verified the accuracy of this information and any communication they had with the reporting entities. 
Remove the disputed items from my credit report if they are unable to provide verifiable evidence of their accuracy. 
Ensure that Equifax follows the same investigation and resolution standards as XXXX to maintain consistency and fairness in the credit reporting process. 
I am committed to resolving this matter promptly and appreciate your assistance in rectifying this issue. I value the importance of accurate credit reporting, as it directly affects my financial well-being and opportunities.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-10-05
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: Cascade CISS Holdings, LLC (IL)

The below inquires are on my credit report. Im not familiar with these companies and I didnt give them permission to run my credit. 
XXXX XXXX : XXXX. XXXXXXXX XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX + Miscellaneous Reptg. 
XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous
Consumer complaint received 2024-01-24
Product: Credit 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: SYNCHRONY FINANCIAL (PR)

On XX/XX/2023 I was charged on my Paypal credit line managed by Synchrony Bank. 
It was for 3 transactions not made by me. The charges were for XXXX purchases ( XXXX ) but from an XXXX account not mine. I called XXXX and they confirmed that charges were not made in my account but didn't tell me anything else because of privacy policy. 

In summary I was charged using my Paypal credir account for purchases in Apple.com of somebody else not authorized or known by me and I made 3 disputes already and the credit card company rejects my disputes.
Consumer complaint received 2024-01-24
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. (TN)

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.