davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

I excised my right as the consumer to extend credit on XX/XX/XXXXXXXX  to Toyota Financial Services to purchase a brand new vehicle and I got denied due to my credit score. I provided in writing to the CEO, CFO, & Treasurer via email to get this situation resolved immediately but have not received a yet. 

I provide them the federal laws and Truth in Lending Act violations them made in this consumer credit transaction. I let them know that I am the holder and holder in due course. I am filing this complaint as Toyota Financial services has misled me and provided misinformation. Additionally, they were initially making comments that a downpayment was going to be needed but that is a violation of 15 USC 1605 ( a ) " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. '' Additionally, 12 USC 83 states ; " ( a ) General prohibition - No national bank shall make any loan or discount on the security of the shares of its own capital stock. 

( b ) Exclusion - For purposes of this section, a national bank shall not be deemed to be making a loan or discount on the security of the shares of its own capital stock if it acquires the stock to prevent loss upon a debt previously contracted for in good faith. '' They are stating that they are offering me a " loan '' but under the truth in act, all consumer credit transaction can not be a loan as the money is not coming from the lender. 

In the book released by the XXXX XXXX XXXX XXXXXXXX called, XXXX XXXX XXXX originally was written by XXXX XXXX XXXX in XX/XX/XXXX. The XX/XX/XXXX revision was prepared by XXXX XXXX XXXX XXXX. Page XXXX states, " If business is active, the banks with excess reserves probably will have opportunities to loan the {$9000.00}. Of course, they do not really pay out loans from the money they receive as deposits. If they did this, no additional money would be created. What they do when they make loans is to accept promissory notes in exchange for credits to the borrowers ' transaction accounts. Loans ( assets ) and deposits ( liabilities ) both rise by {$9000.00}. Reserves are unchanged by the loan transactions. '' Meaning that these banks are stating that the will " loan '' us our own credit which we originated and extend. We the consumer are the one ones that create the money, not the bank. 

In conclusion, Toyota Financial Service has denied me my own right to extend credit. They benefited from the use of my credit but provided no value back to me. Please investigate Toyota Financial for violations of consumer rights and misrepresentation.
Consumer complaint received 2023-12-15
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 have sent debt validation letter since XX/XX/XXXX  XXXX XXXX  XX/XX/XXXX  and again on XX/XX/XXXX  I also went throught the XXXX  and have file complaints through this company and Experian XXXX and XXXX that my social security number has been confiscated on several occasions and unauthorized accounts have bee open in my name. These companies fail to investigate these accounts and I haven't received any validation of debts from the company either inwhich the company 's are violating the laws of the FCRA BY NOT REPLYING WITH THE 30 DAYS
Consumer complaint received 2024-04-26
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

XXXX XXXX XXXX, Reverse Mortgage Servicing Dept Carrington Mortgage customer service employees FAILED to assist and communicate with us so we could prevent the property from going into foreclosure. 
You state Carrington 's goal is to provide the highest quality customer service BUT IN THIS CASE YOU DID NOT. Because of the rude customer service people and the lack of communication and incompetence the property went into foreclosure. 
There is no fault to us that some deadlines did not get met. Deadlines would have been met if we had received the assistance we needed from Carrington. 
Your response to our complaint has completely ignored the incompetent service we received. 
We were trying to speak with your customer service people as early as XX/XX/year>- we sent death certificate in XXXX but never received a response. Nobody EVER reached out to us personally to help. 
We needed help with the HUD process, we needed help with navigating the timelines but Carrington DID NOT provide this help. 
In the beginning we were NOT aware of HECM regulations or HUD processes. This is where your customer service staff did NOT help. When we called they told us they could not speak with us and they literally hung up the phone. Please feel free to listen to the recorded conversations. 

It really concerns us that Carrington refuse to take responsibility and are in denial for their poor customer service. You have no idea the stress this puts on a family. Why do you assume we would know all the regulations you highlight in your response. We REALLY NEEDED HELP AND GUIDANCE but Carrington failed in this regard. 

Therefore we should not be liable for the Attorney Fees. We were charged excessive inspection fees, we were charged inspection fees twice in one day. 

At the end of your response you state please contact us. How can we contact you? When we call we just get into a Customer Service Loop. If Carrington were sincere about helping their customers they would contact us directly. To bring this complaint to an end and given the poor service we received, it is only fair Carrington refunds the unnecessary attorney fees charged to us in the sum of {$4200.00} as well as the extra unnecessary inspection fees.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX, I sent my FTC report. My license to XXXX, Equifax, and XXXX. I have fraudulent accounts reporting on my consumer report illegally. I am filing a civil suit. I need evidence to show I followed the lawful process.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-12-15
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. (OH)

XXXX XXXX has violated multiple USC 's : 15 USC 6802-6805 : Obligations with respect to disclosures of personal information. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me emotional damages and defamation of character.

CFR 313.4 Initial privacy notice to consumers required CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2023-12-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (SC)

I ordered copies of my credit reports after receiving notification alerts that my scores had dropped. After reviewing my reports, I noticed that Aidvantage is reporting all of my student loans as being in default but also as being part of a bankruptcy case. On two of my credit reports Aidvantage is being listed five times whereas it is being listed twice on another credit report. I initially followed the dispute process and disputing all of my accounts with Aidvantage as being reported incorrectly. The credit agencies sent my results showing Aidvantage verified all of the accounts as being reported correctly. The loans were in deferment, but I applied for loan forgiveness due to several years of Public Service and was approved. My loans were first consolidated and then approved. I did receive a initial letter stating forgiveness, but the letter was destroyed in a house fire. I mailed a certified letter to Aidvantage questioning the reporting as well as requesting for a verification letter so that I could send the letter to the credit reporting agencies. I received no response. Most recently, contacted Aidvantage and spoke to a representative explaining the same situation. The representative placed me on hold for approximately seven minutes to receive my file. I was informed that a copy of the original letter I was sent showing satisfaction of the loan through forgiveness would be mailed to me. However, I was sent a generic letter dated XX/XX/, showing the consolidated amount and interest rate of 5.000 %. Nowhere in the letter is there any mentioning of my loans being forgiven or my account being closed with a XXXX balance. When I log into my account, a XXXX balance is showing, but the credit reporting agencies will not accept a printout from the computer.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX My only date of birth is XX/XX/1993 My only employer is XXXX XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX XXXX
Consumer complaint received 2023-12-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (NY)

I have consolidated then refinanced my student loans from XXXX XXXX, then Discover, and now currently XXXX XXXX XXXX. In 2018, I refinanced the total amount from XXXX XXXX to Discover. In doing so, Discover was tasked with purchases those loans from Discover. According to the records on XXXX XXXX, Discover bought {$25000.00} of loan # XXXX and {$23000.00} of loan # XXXX in XX/XX/2018 ( {$48000.00} in total ). However, the total amount of loan # XXXX was {$29000.00} and the total amount of loan # XXXX was {$26000.00}, which equals {$56000.00}. 

In short, they never purchased the full loan amount of either, leaving {$7300.00} in an account I believed to be closed. Those loans have accrued interest, unknown to me, over the course of XXXX years, leaving me with nearly {$12000.00} owed in an account that I was told had been bought, refinanced, and closed. It's also of note that I never received any indication from XXXX XXXX that these loans were delinquent, which gave me no reason to suspect anything odd. 

Now, once I had discovered this, I reviewed my documents and came to the above conclusion. Then, I contacted XXXX XXXX. They told me that this was the fault of the lender that refinanced, Discover. I then called Discover, and have had an ongoing XXXX month case opened to look into this. The employee I contacted and have been working with has been very kind, but Discover makes it very difficult for him to help beyond sending it to another department. He believes that it was likely a typing error done by anther employee. However I've received no indication that this is being handled in any way by Discover. Please help me resolve this.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of 2023, I submitted a payment of {$100.00} dollars to pay my credit bill. The {$100.00} dollars went to a closed Bank of America Card instead of my current card and payment. I called Customer Service twice during that time, and they said they would send a check. I never received a check. 
I contacted Bank of America by chat today, and the agent said they sent it to the address of the old card, and then ended the chat without resolving the issue. I have all my addresses up to date with Bank of America, and I always had. It was their error to put a payment on an old account, and then for some reason supposedly send a reimbursement check to an old address which doesn't make any sense because I am the only card holder and I don't know why they wouldn't send it to the address on file. 
I have tried three times to resolve this issue. They took XXXX dollars from me.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC. (FL)

Equifax removed an account from my credit profile that is an active account but they say they have no knowledge of the account but the account is still reporting to other agencies I never disputed this account never I have someone else who can vouch this just happened to them as well
Consumer complaint received 2023-12-15
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. (AZ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2023 which was my latest certified letter sent, I updated my personal information with these credit bureaus. Its been OVER 30 days. No information has been corrected. This is stopping me from getting employment and into a new vehicle. I just had a baby 4 months ago this is a hindrance. Because by law this information shouldve been updated. Also my information was sent to a collection agency that I have no contract with. That is a breach of my privacy and against the law.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX SSN : XXXX | XXXX : XXXX Attn : Credit Bureaus ( Experian, XXXX XXXX XXXX XXXX To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX  XXXX XXXX XXXX with account number XXXX ( Credit limit XXXX ) This account is listed as being 30 days late ( alleged XXXX late month ). I have never been late on this account. 

XXXX XXXX XXXX with account number XXXX ( credit limit {$700.00} ) This account is listed as being 120 days late ( alleged XXXX late months ). I have never been late on this account. 

XXXX XXXX XXXX with account number XXXX ( credit limit {$500.00} ) This account is listed as being 90 days late ( alleged XXXX late months ). I have never been late on this account. 

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXXXXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

BY 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 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 HAS VIOLATED MY RIGHTS.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 AN 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2023-12-15
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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