davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

In XX/XX/XXXX I purchased a certified pre-owned vehicle from my closest Toyota dealership. At that time, I purchased a 7-year extended warranty Vehicle Service Agreement offered to me for Mechanical Breakdown. Within the 30-day full refund window, I decided I no longer wanted the warranty and called the Toyota dealership . They told me the financial manager was on vacation, a form needed to be signed in person to cancel and that I would receive a call to schedule an appointment. I did not receive a call and followed up, and was not able to receive an appointment in person with the financial manager until XX/XX/XXXX, two months after my vehicle purchase date. Therefore, I was no longer in the 30-day full refund window for the warranty, and would receive a pro-rated refund. In the meeting, I signed and dated the Agreement Cancellation Request, along with the Toyota Financial Manager, and made sure to receive a copy of the paperwork. I was told this would be faxed to Toyota Financial Services and would see the refund reflected to my principal balance in my online account.

This never happened and I called repeatedly both the dealership and Toyota Financial Services only to be either promised a call back or waiting on customer service lines only to be redirected to another service line with Toyota.

All the while, making my payments on time and paying interest for two years on a balance that did not reflect my warranty refund that I repeatedly asked to cancel since XXXX 

Finally, in XX/XX/XXXX, I was able to connect with a customer service representative via a submitted claim at the dealership who told me that too much time had passed for them to help me and that I would have to go through Toyota Financial Services. I spent countless hours on the phone with Toyota Financial Services and was finally told that I could send a fax of the copy of the paperwork to receive a refund from the time the paperwork is dated, XX/XX/XXXX. 

I was told that this could take up to 30 days to process, and I will therefore have another payment in this waiting period where I will pay more in interest due to the balance not reflecting the appropriate amount with my cancellation. Toyota told me they would not reimburse me for this.
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I had my Wells Fargo bank account compromised and XXXX took from the account through a XXXX transaction falsely added by the intruder and who also used my mothers name to mask the fraudulent information used to receive the funds. I contacted Wells Fargo and followed up with them roughly a week later. They told me that transaction was done in good faith and that the claim I established with Wells Fargo had been closed with no way of reopening. I filed a complaint through Wells Fargo and listed several details to prove that what was done in my bank account was not done by me. They responded that the information provided would not help the case further as the case had been closed by the fraud investigation department of Wells Fargo and essentially told me that I was out of luck. I done almost all of the preventative measures in order to secure the account but it still got infiltrated. The infiltrator also added a phone number to my account that has been declared as malicious by another banking institution. I know this because the same scenario almost happened two months ago that the same individual tried to get into my account but Wells Fargo intercepted the transactions and contacted me to create a new account number, debit card number, checks, username, and password. Wells Fargo knew this phone number had been linked with fraud back then and helped me prevent any actions against my account. Fast forward to now and that same fraudulent phone number and individual got into my bank account and did financial damage to me and Wells Fargo never contacted me about any of the multitudes of changes that person done to my account within minutes of getting into it. And further more, told me that I could do nothing about it because the transaction was, in apparent, good faith
Consumer complaint received 2024-06-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

Cain & Weiner has been over 30 days non responsive to Notice of Dispute Demand for Validation and Proof of Claim. According to the FDCPA 15 USC-1692, 15 USC-1666 and the TILA 15 USC-1601. No documentation in accordance with FTC guidelines. Notice sent to Cain & Weiner XX/XX/year> certified mail return receipt. As of today XX/XX/year> no response to validation of alleged debt nor deletion to credit reporting agencies have been made. Certified mail # XXXX. 
No 1099 forms have been sent to me from Cain & Weiner. No affidavit signed in accordance with 28 USC-1746 within 30 days from the date of receipt of request for validation and proof of claim.
Consumer complaint received 2021-12-16
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: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (VA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-06-15
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. (GA)

According to FCRA 605B, I believe we need to delete any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed have inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2024-06-15
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. (NV)

I am submitting a dispute to have these errors investigated, as the accounts are wrongfully reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumers report.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2023-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND FUNDING LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-04-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Northland Group Inc (PA)

northland group current creditor XXXX XXXX XXXX oringal creditor XXXX XXXX XXXX XXXX oringinal account # XXXX northland ref XXXX northland phone number XXXX ext XXXX i do not know what this is it has been on my credit report for a least 10 yrs or more i am XXXX and do not know what to do thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX
Consumer complaint received 2024-06-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I was XXXX on XXXX XXXX & entered the XXXX XXXX XXXX XXXX. I was XXXX  on XXXX XXXX XXXX XXXX I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows, Jefferson Capital Systems account # XXXX. This account is fraudulent & I have filed & provided a police report
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

I received an email from CHASE bank saying they received my Credit Card application and that it is being processed. I never applied for one. Then I received a call from XXXX. I didn't answer, but the message said he was from CHASE fruad department and needed to verify information. Thank I get an email from XXXX saying I had a credit file enquiry. I tried calling CHASE, but they won't talk to anyone until you put in a CC number or account number.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MO)

XXXX  ACCT : XXXX Amount : {$140.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO. XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-15
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. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (NY)

I received a letter today stating that I owed Revco solutions, Inc XXXX dollars in an attempt to collect a debt from XXXX XXXX. In XX/XX/XXXX, I paid my deductible at XXXX for an emergency room visit. They applied it to the balance instead of to the deductible. Today, XX/XX/XXXX, I spoke with XXXX from Revco, who spoke down to me and treated me like I was stupid when I attempted to dispute the debt as it said on the letter. I would like to dispute this debt as I do not owe this money to any company. I paid it on XX/XX/XXXX. Please see the attached documents. I called back again and asked if they would be reporting this to a credit bureau. The woman said Revco would not, but could not speak for XXXX. I asked to speak to their compliance department and she denied me. During this conversation, I also requested that they send me all documents that pertain to the attempts to collect this debt, and she said all she had was the amount and the date of service, which can't be true. She also asked me if I had a lawyer.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NC)

I am writing to formally lodge a complaint against Caine and Weiner, a debt collection agency, for their continued and unlawful attempts to collect a debt that I do not owe. Despite never having conducted any business with this company, they have persisted in their collection efforts, causing significant distress and harm to my reputation. 

Summary of the Issue : Debt Validation Request Ignored : On XX/XX/year>, I sent a debt validation letter to Caine and Weiner, requesting specific information regarding the alleged debt. They failed to provide the requested documentation, violating the Fair Debt Collection Practices Act ( FDCPA ) 1006.30a ( a ) - No Parking Rule. 

Cease and Desist Ignored : I also sent a cease and desist letter and a volunti nonfit injra letter, demanding that Caine and Weiner cease all communications and collection efforts regarding this alleged debt. They have ignored my requests, continuing to pursue the debt. 

Violation of XXXXederal Laws : Caine and Weiner 's actions are in direct violation of several federal laws, including : FDCPA 1006.30a ( a ) : They have continued collection activities without validating the debt.

18 USC 1028a : Their actions amount to aggravated identity theft by attempting to collect a debt not owed.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : They are prohibited from furnishing information they know or have reasonable cause to believe is inaccurate.

Impact : The inaccurate reporting of this debt has severely damaged my character, reputation, and general mode of living. It has adversely affected my ability to obtain credit for personal and housing purposes, causing significant financial and emotional distress.

Legal Violations : 15 USC 1681s-2 : Duty of furnishers to provide accurate information. They have reported inaccurate information despite being notified of the errors.

15 USC 1681n and 15 USC 1681o : Willful and negligent noncompliance with the Fair Credit Reporting Act. 
15 USC 1692k : Violations of the Fair Debt Collection Practices Act.

Demands : I demand that Caine and Weiner immediately : Cease all communications and attempts to collect this alleged debt.

Delete the erroneous account from all consumer reporting agencies.

Provide a free copy of my credit report after the changes have been made.

Failure to comply with these demands within 10 calendar days will result in legal action for consumer law violations. I will seek {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud FDCPA 15 USC 1692g violations FCRA 15 USC 1681 violations for willful noncompliance - 616 [ 15 U.S.C. 1681n ] Account Information : Account Name : XXXX XXXX I urge the CFPB to investigate this matter thoroughly and take appropriate action against Caine and Weiner to prevent further violations and protect consumers from their unlawful practices. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-22
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AZ)

I had opened a Macy 's store card in XX/XX/XXXX. It had some balance. I called and paid it in full inclusive of interest charges and late fees in XX/XX/XXXX. I was told by agent on call that it was paid in full and I was uptodate. I then asked the agent to close the account. 

After that I got charged late fees and interest of {$85.00}. I called to resolve the issue. I spoke to an agent in XXXX and she said she can't remove the late fees or intesrest. If she can do something it will be removing {$20.00} but I am still responsible for {$65.00}. 

I asked for XXXX and she said no one is available. I repeatedly had to request that I speak to a XXXX and the XXXX 's name. She declined to provide the information. I was on call for more than XXXX minutes. She kept saying that the manager/any of the supervisors are not available. 

After XXXX minutes of arguing she got a XXXX on line. The XXXX said that they will remove the balance but if it actually happens remains to be seen. Once a customer pays full amount that was given to them on phone and closes the account after that, they should not be asked to pay late fees and interest charges on balance of XXXX. This is a financial scam.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (KS)

Pentagon Federal Credit Union shows up on my credit report as a revolving account. I have never opened any accounts with them and would like it removed from my credit report. 

Date opened : XX/XX/XXXX XXXX reported : XX/XX/XXXX
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Received a latter in the mail stating a business checking account was opened in my name XX/XX/2024. Called the bank informed them this was not an account I opened. and the bank assured me the account was flagged and closed. I never received paperwork stating it was closed and why it was opened without the proper documentation to identify me in the first place.