davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

Made payment to stop charge off XX/XX/XXXX advised I would make payment again XX/XX/XXXX but check didn't clear at bank from accident explained I lost job I XXXX XXXX XXXX XXXX XXXX XXXX XXXX motorcycle accident XX/XX/XXXX so that set me back a lot tried catching up finally have money but they charged account off they didn't inform me or call me and toyota financial is also saying I told them not to call me which is a lie also vehicle was in accident and XXXX XXXX I had to battle with them on repairs didn't have vehicle for a year fighting with XXXX XXXX just recieved vehicle back XXXX weeks ago from accident XX/XX/XXXX 2022
Consumer complaint received 2018-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KEYCORP (CA)

For the past two weeks, I get daily phone calls for someone else. I have repeatedly asked them to remove my number as I am not the person. They have told my for the last five days they are going to ; yet I still get numerous calls daily. HELP ... .handicap family here and the repeated interruptions as very unnerving
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-11-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit has been sending me letters and calling dozens of times a day for months. I have disputed this debt multiple times with both credit bureaus and have gotten absolutely nowhere as they just send the exact same documents to me and state that I am responsible for this debt. 

I am NOT responsible for this debt and I have notified them multiple times over the past 2 years. I am now being sued in court by a lawyer and have a court date on the XXXXXXXX XXXX XXXXXXXX. I am a XXXX percent XXXX XXXX  and only collect my XXXX benefits. I have no other source of income. They do not " investigate '' the dispute, they just send the same documentation accusing me of a debt that is not mine. 

I have been threatened with legal action AND now have a court date. I can not afford a lawyer. 
I can't dispute the debt anymore than I already have with continuing to be ignored in my disputes and then threatened legal action and to take my XXXX pay. 

This is not my debt as I have communicated this over XXXX times now. I do not work and only have my XXXX benefits so on top of hundreds of phone calls and letters, to include letters from a lawyer, I have not only been threatened with legal action, I have had it taken against me for a debt that is not mine and have to go to court for this. 

I have also had the sheriffs department show up at my door and serve me.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX I was scammed out of {$700.00} dollars from an ATM transaction with the scammer placing a {$780.00} dollar check deposit into my account which did not go through. About XXXX minutes after the deposit happened my account did not accept the deposit check. My account only had about {$650.00} from my authorized transaction earlier that day of a {$20.00} withdrawal. The bank closed my claim on XX/XX/XXXX with the determination that it is not in my favor. My bank account is now {$77.00} dollars overdrawn.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (FL)

Subject : Complaint against Sofi bank for holding funds and restricting access Dear CFPB, I am writing to file a complaint against Sofi bank regarding the holding of my funds and the restriction of access to my account. I received an income tax refund of {$36000.00}, which was deposited into my Sofi bank account. 
{$21000.00} has been held and restricted from my access. 

I intended to invest these funds with Sofi bank ; however, upon reviewing the associated risks, I decided to withdraw the funds. Despite my attempts to withdraw the funds, I discovered that Sofi bank only allows withdrawals of {$1000.00} per day. In an effort to access my funds, I began making purchases using my Sofi bank card at various locations, including XXXX and XXXX. 

However, my card was subsequently blocked, and I was instructed to contact the IRS. I fail to understand why this action was necessary, as the IRS had already released the funds to my Sofi bank account. I have attached proof of my income tax release, as well as documentation of my attempts to withdraw the funds and my purchases made using the Sofi bank card. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that I am able to access my funds without further delay. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (TX)

I just checked my credit score and realized a credit card in my name that I never opened. The credit card is called XXXX and there is a {$8300.00} balance. I didn't even know about this card. I contacted XXXX and tried to notify them this is fraud and they absolutely refused to close the account.
Consumer complaint received 2020-07-31
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: NAVY FEDERAL CREDIT UNION (CT)

I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MD)

Issue with : Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States On XX/XX/XXXX of this year someone changed the password on my chime account and stole {$5000.00}. 
I reported this to Chime on the XXXX of XXXX and they said they would look into it, and provided me with a claim number:XXXX. 

On XX/XX/XXXX called chime again and produced little even though they said they realize it's not my fault. The account is supposed to be protected by XXXX XXXX liability, and the FDIC, and received another claim number:XXXX I called and asked for copies of the logs for these transactions under FRCP e-discovery hoping to sort it out myself. But chime has flatly refused to provide me with this, or refund the money. 

I still have not seen the return of these funds.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (CA)

have an overdraft on my checking account and past due line of credit. Bank denied ATM card services, canceled all my ATM with no previous notice or notification. Calls are multiple just in XXXX day, for example on on XXXX at XXXX and XXXX total of XXXX calls XX/XX/2023 at XXXX started calling till XXXX with a total of XXXX calls in XXXX minutes. 
On the same day XX/XX/2023 they called again at XXXX, total of XXXX calles in XXXX minute
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital one acct # XXXX has failed to validate this account under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.for this account is damaging my credit worthiness
Consumer complaint received 2023-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

XX/XX/2023 and I recently contacted XXXX XXXX XXXX XXXX XXXX after receiving a letter in the mail stating that I owed them a balance. I contacted my insurance to verify. My insurance company stated that there were no claims attached to me or my dependents names. You stated that I owed {$1.00}, XXXX and {$1.00}, XXXX. 

I called and requested more information to verify that the claim was accurate, and the debt is mine. As I was speaking to the agent, I asked a particular question, and he ended the call immediately. I called back and then there was no answer. The number I called was XXXX, ( XXXX XXXX, Recovery XXXX ). 

I have no remembrance of the original creditor. So, to investigate this debt, I will need more information such as : The date of service Itemized receipt stating what service was performed Billing Receipt Healthcare Provider The type of insurance that was used this way I could contact my insurance company to match the codes and cost of service I work at the largest hospital in my state. I would not go to an unknown hospital for treatment. I have insurance to use for treatment. There is no record of payment or charges for the original creditor by my insurance for the dates. 

As a consumer, I have the right to demand proof of ownership and verification of the services rendered. Do I need to provide the US Code? I am entitled to this information in order to ensure that I am not being overcharged and that the services being billed to me were actually performed. 

Thank you for your time and enjoy life.
Consumer complaint received 2023-09-07
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-11-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (HI)

I submitted my own insurance prior to XXXX XX/XX/2023 as they stated in their letters to remove forced insurance. The mortgage payment was not adjusted/lowered to reflect my new insurance so I requested the tax information since I already had the interest, principal, and insurance information because it looked like I was overpaying {$360.00} per month for XXXX and XXXX. They claimed they needed further research and they could not provide the information until XX/XX/2023 which is after my next mortgage due date. After I submitted my own insurance in XX/XX/2023 they informed me I would be refunded the difference after these past payments but i have received XXXX response about my mortgage adjustments nor updates.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount Recovery Systems, L.P. (CA)

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim of Paramount Recovery Systems is disputed and validation was requested. Paramount Recovery Systems So. has failed to provide validation. This is not my debt.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to remove an inaccurate address and a collection account from my credit report. Despite multiple efforts and clear evidence supporting my claims, these inaccuracies persist, causing severe harm to my financial reputation and personal security. I discovered an incorrect address listed on my credit report. This address is not associated with me and does not reflect my current or past residences. Its inclusion on my credit report is erroneous and misleading. In addition to the inaccurate address, I also identified a collection account on my credit report. I have never had any dealings with the creditor in question, and the presence of this collection account is negatively impacting my creditworthiness and financial opportunities. Upon discovering these inaccuracies, I initiated disputes with your organization by following the standard dispute resolution process provided on your website. I submitted all required documentation, along with a request for the removal of the inaccurate address and the collection account. However, my initial disputes were not resolved in my favor. Frustrated by the lack of resolution, I made several follow-up attempts to dispute and correct these inaccuracies. I provided additional evidence, communicated with your customer support, and sought assistance from your representatives, hoping to rectify this situation. Despite my continuous efforts to correct these inaccuracies and provide irrefutable evidence supporting my claims, I have not received a satisfactory resolution from your organization. The presence of the inaccurate address and the collection account continues to adversely affect my credit score, hindering my access to financial opportunities. I demand immediate action to rectify these inaccuracies on my credit report, specifically by removing the inaccurate address and the collection account. It is vital that my credit history accurately reflects my financial record, and any inaccuracies should be rectified without further delay. I also request written confirmation once these corrections have been made. Failure to address this matter promptly not only jeopardizes my financial well-being but also undermines my trust in your organization 's commitment to accurate credit reporting. I am asking for your immediate assistance to remove the following fraud items in my credit file : 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