davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

My original complaint was complaint number XXXX-XXXX. I had written in response to a XXXX form that I received without being able to get information regarding the reason I was receiving it. I have reviewed the response from Toyota but it raised some additional questions.The response from Toyota along with the history provided indicates that I purchased a Toyota XXXX on XX/XX/XXXX, then on XX/XX/XXXX the car was repossessed and then charged {$2000.00} in repossession fees and if I am reading correctly sold for {$530.00}. Then according to the response I was provided with some legally required notices however I do not see these attached. Again according to the response my account was charged off on XX/XX/XXXX, and in continued to make payments according to the history provided. Then starting in XX/XX/XXXX the payments up until XX/XX/XXXX are applied to interest which seems odd if the account was charged off. Neither I or the co-signer have seen these letters from XX/XX/XXXX that were attached. We continued to make payments on the account and then the letter states that Toyota ceases to attempt to collect the debt in XX/XX/XXXX. I have not heard from, received a letter from, spoken to Toyota in  years. I purchased and financed a new Toyota XXXX in XX/XX/XXXX. I purchased a home, got a mortgage, and purchased and financed multiple cars over this period. Now in XX/XX/XXXX I receive this XXXX, however I no longer have any documentation to try to affirm the amounts due or paid as it has been 14 years since Toyota says they charged the account off. While in the letter it states attempt to collect this debt ceased in XX/XX/XXXX, but is there any evidence of collection activity occurring, or when was it that the last collection activity occurred? How would I be able to verify that if this XXXX is correct, that it was issued in the correct year, account was charged off per Toyota in XX/XX/XXXX, and in the history it appears the car repossession charges that start from XX/XX/XXXX,  but then the car is sold in XX/XX/XXXX and the 2 year old car was sold for {$530.00}. The whole timeframe somewhat baffling. It just seems based on this timeline it would be really remarkable for me to have the records to verify or respond to this. There is no reference of this account appearing on either my or the cosigners credit report. It never came up as an issue when I bought a home in XX/XX/XXXX, or when I purchased a Toyota XXXX in XX/XX/XXXX. I just don't understand how I could have addressed it if there was no contact or info for me to respond to, if nothing the XXXX should have been issued in a different time period.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I used to to be an XXXX customer and closed my accounts before moving everything to XXXX. When I check my credit report, it confirms that everything was closed before moving my funds to XXXX. 

When Citizens Bank took over many of XXXX XXXX clients, the ybegan calling about charges that were under my name that I did not make. It was very tricky to get anyone on the phone to speak to at Citizens and I never once received info about my account such as a card number or account number. Never once received anything from them. Couldn't get anywhere over the phone either since I never had an account with them. After speaking with someone finally, I was told the charges under my name ( which I did NOT make ) were gone and that faulty account was closed. 

A debt collection agency has been calling me daily for months now over this. Can not speak to them as they yell and accuse/do not have any answers. I no longer answer when they call because they continue to only accuse and I simply do not have info to provide about any Citizen accounts.
Consumer complaint received 2023-05-09
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. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (PA)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2020-07-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (DC)

On several days this month, XX/XX/2020, I made attempts to address and resolve the problems that I have with SunTrust bank re : my car note/car loan. I am at the end of this loan and I do NOT believe that my final outstanding balance is correct -- because 1. SunTrust bank has not given me credit for the car note that I paid on XX/XX/2020 of {$230.00} and they have been applying random amounts to my account at any time during the month for a LOT of months as Late fees ... {$22.00}, {$23.00} and lately/last fee was {$52.00}. 

As a senior citizen, in XXXX DC, I believe I am being scammed as I reach the end of my payments and THIS BANK will not discuss these problems with me in a respectable and decent manner as their CUSTOMER!! 

Now my account is going into XX/XX/2020 and I know they are pushing me to be able to charge me another month in a LATE FEE! 

I reached out to the XXXX XXXX  -- XXXX XXXX XXXX XXXX XXXX and Banking to address this matter on XX/XX/XXXX, XXXX and they are telling me that they do NOT cover SunTrust bank XXXX referring me to you! 

I need HELP!! They told me that I owe them {$300.00}, which I do NOT agree with because of them not giving me credit for my XX/XX/XXXX payment. But I also dont agree with several of these late fees and NOW the XXXX late fee that they will surely charge to me! 

I need HELP and I need assistance here. 

SunTrust WONT HELP ME! 
XXXX can not HELP ME! 
YOU ARE my LAST Resort!!
Consumer complaint received 2024-03-21
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. (WI)

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, Experian, and XXXX.
Consumer complaint received 2018-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (IN)

While checking my Free Credit report a pop up window indicated that I should apply to XXXX.XXXX for a personal loan for as little as 6 % APR. It had pre-filled in a lot of my data from my credit report. It said by clicking on the offer, my credit would not be impacted. This was very important to me because I have pristine credit, ( FICO above 800 ). I foolishly clicked on it and was instantly pre-approved for {$20000.00} loan at 6.4 %. 
I then received instructions, on how to complete loan, which I complied with to the letter. They said they had eveything they needed. Then emailed this : " Thank you for your recent application for a personal loan through Upgrade. Unfortunately, your request could not be approved at this time. However, you may reapply in 30 days if you feel that your circumstances have changed. '' Perplexed ... I called. Customer Service said I can't tell you why, wait for an email..which never came. They refuse to communicate with me after that. 
Then I got an email telling me to reapply. I did and now they offer a 14 % loan. This is classic bait and switch. I requested in writing to give me a free credit report and accurate reason why I was denied credit. This is predatory lending and they damaged my credit score.
Consumer complaint received 2023-08-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Admin Recovery, LLC (NH)

A gentleman by the name of XXXX XXXX, from XXXX XXXX, called my XXXX XXXX XXXX XXXX XXXX XXXX  ; after I had already spoke to his associate a week early and gave him all the information for the law office I am using to help settle my debt. He had everyone in my family scared to death thinking something had happen to me. I got his phone number from my XXXX  and called him back and explained I had already spoke to someone at his company about the debt and gave them the information for my lawyer.
Consumer complaint received 2018-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2018, I made a call to XXXX  XXXX and made a {$990.00} payment for my father 's account ( co # XXXX XXXX. The representative took my payment and said there may be a small sum left over. A week or so ago I am called back by XXXX XXXX asking if I could cover the remaining of the balance. I informed her that I was not the account holder, and that this was my cell phone number ; never provided or gave them authorization to call. She asked if I had another number so I could reach my parents. I provided it, and ended the call. The next day she called informing me that she was trying to collect the payment. Again, I informed her this wasn't my account and that she needed to call the number I provided. Mrs. XXXX advised that there was a note to not call the number I provided, and asked if I could get a message over to my parents to have them call.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (TN)

I purchased my vehicle from XXXX in 2020 and it was financed through XXXX. I signed a contract for a 3 year term. When covid hit my job was closed and my loan was deferred for 3 months. I was advised by a representative that due to covid that those payments would be waived at the end of my lease due to a state of emergency. The representative signed my name on the deferred lease paperwork. She said due to covid it was there protocol and procedures, so I was unable to review the paperwork. My payments were {$740.00}. In XXXX, i paid XXXX {$1500.00} for XXXX and XXXX because I knew my lease was up XX/XX/XXXX. XXXX has charged me over {$5000.00} worth of fees and will not provide me with a payment ledger or the call from the conversation during covid. They also keep reporting my account as 60 days past due, but how is it past due when I made a lump sum payment in XXXX.
Consumer complaint received 2024-03-21
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. (MD)

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, Experian, and XXXX.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX. Please correct and update.
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (FL)

I do not recognize the inquiries on my credit report listed in the id theft report XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, EQUIFAX XXXX XXXX XX/XX/XXXX XXXX, XXXX, EQUIFAX XXXX XXXX XXXX CITIZENS, XXXX XXXX XXXXXXXX, XXXX, EQUIFAX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing on behalf of my parents, XXXX and XXXX XXXX who are XXXX and XXXX years old respectively. They received an offer in the mail saying that if they opened a Capitol One 360 account with a minimum deposit of {$20000.00}, prior to XX/XX/2018, they would receive a {$200.00} bonus. I set-up the account for them as they have no computer or access to the internet at their assisted living center. After opening the account on XX/XX/XXXX, I received an email saying that a small deposit would be made to their XXXX XXXX account ( source of funding 360 account ) and that I would have to email them with the date and amount of the deposit. I did this, but watched the account for a few days as it was not showing as being funded. On approximately XX/XX/XXXX I called and was advised that I also needed to set-up a profile for my mother ( the email was sent to my father ) and also say what the date and deposit amount was to their XXXX account. In attempting to do this I had numerous problems as my mother has an old sign-on from 10 years ago and of course does not remember the user name or password. It took many calls into Capitol One, including one where I picked my parents up at their assisted living facility and spend 2 hours and 45 minutes at my house on calls with Capital one 360, the credit card division and the bank ( XXXX representative ). I wish you could listen to the call ... ... it was absolutely ridiculous. Anyway, by the time we finally got the account funded we were past the XX/XX/XXXX promotional period. I explained to the representatives that they could see when I opened and attempted to fund but due to their fraud prevention rules the transfer was not made. I also find it amazing that Capitol one would send an offer to consumers in their 90 's when they have no branches to assist in fulfilled the offer. I told this all to Capitol One and all they did was send a letter back to my parents saying, so sorry, can't break their rules regardless of how old you are. I think this is totally unfair and appeal to you to have Capitol One reconsider. My parents live on a small pension and transferred all money they have into Capitol One. This borders on being a deceptive offer! 

Thank you XXXX XXXX
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (GA)

I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Santander autho consumer USA XX/XX/XXXX
Consumer complaint received 2018-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

30 Day Late listed on credit report. I sent the correct documents to validate and support my claim. The account have been removed from the other two major bureaus, but Equifax has yet to address the issue, remove the account or at least the 30 day late and the balance reported.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days.

Capital one XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Capital One auto finance- XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2024-06-12
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)

I did my research with the fair credit reporting act and Transunion, XXXX, and XXXX has violated my rights. The following laws : 15 U.S.C 1681 section 602 A State I have a right privacy. 15 U.S C 1681 Section 604 A section 2 : a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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.