davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Personal information incorrect
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. 
XXXX, XXXX, and Equifax is reporting inaccurate info. My Name is XXXX XXXX. XXXX : XX/XX/1993 My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. My employer is XXXX XXXX
Consumer complaint received 2024-05-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

In XXXX of XXXX, I received documents from Toyota Financial dated XX/XX/XXXX. The documents included XXXX " sign-off letters '' as well as the Title to the vehicle. 

To my surprise, on XXXX Monday XXXX ( XX/XX/XXXX ), my daughter with whom I'd co-signed the car loan called to tell me that Toyota had repossessed her car. I don't understand this as she'd made the final payment in XXXX, leaving Toyota over a month to either accept or reject the payment. To this day, neither of us has received any documentation stating Toyota wasn't able to collect the funds. 

Without any warning, Toyota contracted with a tow company from XXXX, NJ to repossess the vehicle. As my daughter has a young child, she really needed the vehicle to be able to work and transport her son to daycare. 

Naturally, this has ruined my credit as well as my daughter 's. Please investigate. I have color copies of all my supporting documents available upon request.
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

On XX/XX/19 I purchased a prepaid card from XXXX XXXX in the amount of {$500.00}. The card was defective from the manufacturer with a contaminated magnetic strip that would not work at various attempted venders. I called on XX/XX/19 requesting a replacement card and was told by XXXX XXXX # XXXX that a replacement would be received 10 business days. However, the timeframe passed and I'm getting the runaround when I contacted XXXX again and spoke with XXXX XXXX # XXXX. They are fraudulently holding my money interest free and refusing to send me a replacement in a timely manner. XXXX XXXX # = XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

Here is inquiries XXXX, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX, address not mind 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 remove is items immediately
Consumer complaint received 2024-05-07
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: TD BANK US HOLDING COMPANY (NY)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

( showing open account as closed, showing delinquent account when it's not ) missing information and balances are wrong company reported a charge off account and illegally continues to report monthly which is considered debt collection damaging my scores
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Alorica Inc. (CA)

Banking service took over my loan account with XXXX XXXX in XX/XX/2023 the same month in conflict. 
The past 2 yrs with XXXX XXXX I have perfect on time every time record of monthly payments to a loan. The due date is XXXX or XXXX of every month. If on weekend it will be taken next business day. The XXXX  is the latest. Its on auto pay. 
XXXX XXXX had emergency took out funds. Assuming the loan payment was already taken out. This newly taken over bank waited until the XXXX to withdrawal loan amount. Early that same day I had insufficient funds but later in that same day Direct deposit of my check was there. Meantime unaware the bank attempted to withdrawal money. I continue as alway and on time make my monthly payments. Not knowing this new bank I thought was fishing for my info. Finally responded who told me I missed XXXX payment. News to me. After digging info and finding out what I just explained to you I emailed them with concerns of why the wait until the XXXX and technically that same day I did have sufficient funds. I cant control the timing of the day when you request payment. Because in the contract they are responsible for error with only exception if insufficient funds it will not go thru. And showed them a copy of my account and the dates with sufficient funds. No reply from them. Instead I get a call, text, email every single day how I missed a payment and to call to speak to represenitive. 
I have not done so
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Mangement has been harassing me which is violation of 15 U.S. Code 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692c - Communication in connection with debt collection- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt By reporting inaccurate information on my conusmer report I have been denied credit and my reputation has suffered because of the harrassment of reporting on my consumer report.
Consumer complaint received 2024-05-10
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. (FL)

In accordance whith the fair credit reporting act XXXXXXXX XXXX XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 SECTION602 A. STATESI HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (VA)

Hello, my name is XXXX XXXX I own a XXXX store here in XXXX Virginia. I accidentally deposited the money from another money transfer services to Sigue and I got back with Sigue to see if they could refund me that money because I need to pay the other money transfer services that money and they said that they would, email me a check within XXXX months and its been more than XXXX months now and I havent received anything and Ive been trying to contact them and I have not gotten lucky to do some
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

EdFinancial since the re-starting of student loan payments has yet to accurately reflect my correct account balance and what is owed. I've spoken with their customer service multiple times, my account is in auto-pay, and I still continue to receive regular notification that my account is past due. This is not correct. In XXXX for example, I had a near {$400.00} " past due '' amount that was to be paid to get my account into a current standing. I paid this, only to continually receive notifications that I have past due amounts that have not been paid. I spoke to customer service, again, today and was told I continue to have a past due amount from XXXX. 

This entity has the most atrocious billing practices out of any company I have ever worked with. They don't know what they're doing, billing accounts incorrectly, and continually driving up the monthly payment of what's owed. I've emailed the XXXX XXXX  several times about their horrible billing practices and hope that by escalating this issue, at some point this will get corrected.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

This is now CFPB complaint number 4. Yes, this is the fourth time I have submitted a complaint against this company. Although we have made VERY LITTLE progress they're still violating our consumer rights! My daughter and I called, faxed and emailed this company over 30 times within the last 3 months requesting that they mail us BOTH a FULL, COMPLETE, PRINTED COPY OF OUR PERSONAL CONSUMER REPORTS. WE HAVE NOT RECEIVED THEM! We did  receive a PARTIAL report from them in XX/XX/2020 which we later learned was NOT the completed report. We were advised over the phone on countless occasions that we have more than ONE consumer number! We have requested that the company DELETE, REMOVE, DISPUTE AND SUPPRESS ANY AND ALL DUPLICATE FILES! We have requested this via email, telephone and now fax! We have literally sent over 30 faxes to this company. We have began faxing all correspondence that we received from them beginning in  XX/XX/2020 along with the copies of the CFPB complaints and emails that confirm that our files should be deleted AND suppressed. The company has refused to send us BOTH OUR OWN PERSONAL SEPARATE copies. It has been OVER 90 days since we requested our consumer reports and still have not received them. It has been over 30 days since we began the dispute process and have not received updated results nor an updated copy of the consumer report. They claim that some information has been verified and validated but never sent us the proof of verification. What was verified? With who? Where are the verified documents? What agency or company verified the information? The reason for my continued complaints is to build a paper trail to make my lawsuit easier to win when I show proof that the company is fraud! The contact person XXXX XXXX is a liar! She barely responds to the emails and when she does, it's not specific and she doesn't actually answer any questions that are being asked of her. Too much time goes by before she actually responds with no information. Just a waste of time talking and emailing her. I have recorded calls and fax transmittal 's. This company 's credibility should be monitored and investigated more thoroughly. Inquiring about starting a class action lawsuit as I'm learning that my daughter and I aren't the only individuals that are experiencing these issues with them. WE HAVE CONTINUOUSLY REQUESTED TO HAVE ALL DUPLICATE, INCORRECT CONSUMER NUMBERS AND CASE NUMBERS REMOVED, DELETED, DISPUTED AND SUPPRESSED! ALL DELETED FILES SHOULD BE SUPPRESSED TO ENSURE THAT THEY ARE NOT ADDED BACK TO THE CONSUMER REPORT!
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (OR)

On XX/XX/XXXX I opened the Barclay XXXX Visa card which made my first statement balance due by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I signed up for automatic payments - there is no confirmation timestamp of this ; however no changes have been made since automatic payments were initially set up. 

Barclay 's app and website indicate " ENROLLED IN REPEAT PAYMENTS ''. The problem is, Barclay doesn't let you know the first automatic payment does not work. This lead to me incurring a late fee on XX/XX/XXXX. Upon notification of the late fee, I immediately called Barclay to make a payment and ask for the late fee to be removed and reimbursed so this would not impact my credit. On XX/XX/XXXX I received an interest charge fee associated with the previous late payment - which I was told I would not incur. The customer service rep was happy to reverse this charge and today I receive reimbursement for the full amount. 


Barclay 's handling of automatic payments is predatory and misleading. While customer service was quickly able to reverse the fees, I should not have to spend hours of my time on hold and speaking to them about these charges which should not occur.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

The conversation below occurred with EdFinancial.

1. Attached below will show that I paid off my loans in full multiple times, only to have each payment cancelled by EdFinancial without reason, just stating that there is some sort of issue. I contacted my bank and they said there was no reason as to why the payment should not have gone through. 
2. After 3 attempts to pay off my balance in full via their website, I called and made the payment over the phone with a customer service person who assured me that I paid the balance in full. A few weeks later, I check my account and see that there is roughly {$150.00} left over in the account that they did not tell me was unpaid, after I paid the full balance. I called customer support and showed them that I paid my entire balance in full, showing them that my balance was {$9900.00} and that was the amount I paid. The customer support person apologized to me, and said that the remaining ~ {$150.00} would be wiped from my account. Weeks go by and it does not get cleared. I call again and the lady on the phone gave me terrible service and fought with me until I did the math for her and showed that I paid off the entire balance of {$9900.00} on XX/XX/XXXX. After she gave me attitude for 30 min and spoke to her manager, she apologized and said I was right and that the balance would be cleared. It has now been multiple weeks and the balance remains, with no word from EdFinancial. During this time, it has been accruing interest. It is now XX/XX/XXXX, the balance is still there and it needs to be cleared. 
3. This feels incredibly predatory by EdFinancial, beginning with them not accepting my payment for no reason, and then leaving money in my account to accrue interest for the rest of my life if I were not to check my account and make sure that all the loans were at {$0.00}. I am in need of help from the CFPB against this predatory company
Consumer complaint received 2024-06-28
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)

Despite multiple attempts to resolve these errors directly with your bureau, these fraudulent items continue to appear, severely impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they remain uncorrected. This ongoing issue is causing me significant stress, inconvenience, and potential financial harm. Furthermore, I am seeking the assistance of from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. If this issue failed to addressed satisfactorily may compel me to seek legal actions gainst them. The following items should be remove as soon as possible 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (MS)

This loan does not belong to me. It was opened to another person ( relative ) with a similar last name. I was never the co-borrower on this account and the original loan documents do not contain any co-borrower details on me. Sallie Mae/Navient engaged in fraudulent activity in 2005 for the following reasons : Misspelled signature Lack of credit at time of loan verification XXXX XXXX details No occupation at time of loan verification
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (TN)

Please update my documents My current license is from Tennessee And whatever case That seems pending Case was resolved and closed with a withhold adjudication no point no conviction. Please find attached the court case summary of the citation. The record you pulled its not an official Driving record, so it does not give the full detail of the case on your record. 

Here is my case worker and lawyer info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (MI)

XXXX made unauthorized withdrawals from my RobinHood account. I was made aware on XXXX XX/XX/year> that withdrawals were made to my account from XX/XX/XXXX through XX/XX/XXXX. I contacted both Robinhood and XXXX neither have resolved the issue. Rather than help, RobinHood closed my account, after my repeated persistence to produce documents and a resolution. Also, provide me with a answer o why they allowed XXXX  of transactions to go through without verification
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. (AL)

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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

On XX/XX/year>, I contacted Equifax in which I spoke with XXXX ( Ref # : XXXX ) to place fraud alerts on all credit reporting companies. He offered a product for $ XXXX for extra security as well, which I agreed to. He then told me he would send, via email, a link to set up an account and password so I am able to view all credit reports, scores, and make sure my credit did not have suspicious changes. I have not been able to set up an account as of yet. I have spoken with XXXX agents from Equifax and none have been able to help me set up an account. Each time I tried to set up the account, it would keep telling me, " We are temporarily unable to complete your request ''. On XX/XX/year>, I spoke with XXXX ( Ref # : XXXX ). On XX/XX/year>, I spoke with XXXX or XXXX. I was on the phone for a least 15 minutes and then the call terminated and she did not bother calling back. The last agent I spoke to was on XX/XX/year>, XXXX ( Ref # : XXXX ). He could not help me. He kept sending me the link for account set up and the same message, " We are temporarily unable to complete your request '' kept coming up. In addition to this, I kept trying to create an account under different browsers ( XXXX, XXXX, XXXX ). He assured me that he would escalate my issue to tech support to see what the problem is and that they would email me within 7 days. I have not received any email from tech support as of yet. I am frustrated. I have spoken with many agents with no one to help solve this issue. I feel that they're just going through the motions. I believe this issue is on their end. I am paying for a product monthly that I am not using and they're benefiting from it. I have not been able to view my credit reports and I am XXXX  to see what's on there as well as to make sure there is no suspicious activity. Please help.