davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

On XX/XX/XXXX I visited XXXX XXXX in XXXX Tennessee to purchase a XXXX XXXX XXXX. Yet the so called XXXX holder is located in XXXX XXXX, Texas name Toyota Motor Credit Corporation. This company was not present at XXXX XXXX where the so called debt was originated. When mortgages or so called debts exchange hands, employees at the second, third company or fourth company must send the customer/investor written consent to put their mortgage or any kind of so called debt on consumer reports ( also known as credit reports ). These so called debt collection companies can not report on any kind debt on consumer reports ( also known as credit reports ) without written consent from someone like myself. If a so called debt was originated off my own equity but the debt was sold before I made the first payment, the company where employees bought that debt and who I'm making payments too must have my consent because I have no contract with that other company ( XXXX ). If I purchased my debts but the debt was sold before I made the first payment, the company where employees bought that debt and who I'm making payments too must have my consent because I have no contract with that company. The contract exists with the person that originated the so called debt. So if I go to buy a car, I sign with one company. Before I make my first payment that company then sells the debt to another company. By federal law that second company can not put that so called debt on my credit report without employees sending me a written consent to do so. The fair credit reporting act section 605 ( b ) states that persons need written consent to put a debt or to report to consumer reporting agencies ( known as credit bureaus ) with any outstanding debt if that company is not the original company that originated the debt. 

Also a debt validation notice was sent out on XX/XX/XXXX to this address putting employees on notice at : Toyota Financial Services XXXX XXXX XXXX Mail Drop XXXX XXXX, Texas XXXX XXXX company name where someone reported to the consumer reporting agencies is XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma (VA)

On XXXX XX/XX/, Credit Karma locked my " Spend '' account due to what they call " risk reasons '' which was due to me linking my account to my XXXX XXXX account. In emails sent to me, Credit Karma requested pictures of my photo ID, and a statement from the linked account. At first, I sent them a screenshot of the activity from my account, as I didn't realize that I could access a statement. Credit Karma then sent an email saying that the screenshot that I sent wasn't the correct information. So I then found the actual statement, and sent that as well. Credit Karma never replied that they received the new information, and when I called customer care, I was only told that " another team '' was handling my account and that I would have to communicate with them through emails that they would send me. But this " other team '' never replied, even after several emails. Just yesterday, I get an email still requesting the information that I've already sent several times. But now it comes with the threat that Credit Karma will close my account after 7 days.
Consumer complaint received 2023-12-27
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. (VA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-12-23
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

Yes I bank with chime banking and on Tuesday night at XXXX XXXX  my card was use to make a purchase for {$2400.00} at XXXX XXXX but I didnt authorize this purchase, I was at work and we are not allowed to have our phones out on the sales floor and I was closing that day. I call Chime Customer Service and they told me I had to wait to file a dispute until it was posted to my account and on Friday XX/XX/XXXX it was posted and I file a dispute and within a 24 hours period it was denied and I asked for a letter but never got it. XXXX Is the company Chime is with
Consumer complaint received 2024-03-30
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. (NC)

On XX/XX/2024 I mailed out my disputes to each of the credit reporting agencies requesting that validation of XXXX collection accounts that appeared on my reports. I sent each dispute through USPS Certified mail with tracking and signature upon receipt. Transunion received my dispute on XX/XX/2024 at XXXX pm according to the tracking. XXXX received my dispute on XX/XX/2024 XXXX pm according to the traciking. The Dispute that was mailed to XXXX was lost in the mail so I sent out a new dispute on XX/XX/2024 also using certified mail and that dispute was received on XX/XX/2024 at XXXX according to USPS tracking.In this dispute I requested that each CRA verify the validity of XXXX collection accounts listed on my credit report. the collection accounts are owned by XXXX XXXX and XXXX XXXX XXXX first account being in the amount of {$5300.00} and the next in the amount of {$1600.00}. I formally requested that they investigate the accuracy of these collection accounts and provide me with all pertinent information gathered during the verification process. That would entail but is not limited to : XXXX. Verification of the debt amount and its validity. 
XXXX. Documentation showing the original creditor and the nature of the debt. 
XXXX. Proof of any agreements or contracts that authorize XXXX XXXX or XXXX XXXX XXXX to collect on behalf of the original creditor. 
XXXX. Any other relevant information related to the account in question. 
Furthermore, I requested that all correspondence regarding this matter be conducted through certified mail with a signed receipt to ensure proper documentation and delivery. I also included in the dispute that under the Fair Credit Reporting Act ( FCRA ), it is my right to request verification of any disputed items on my credit report and I expected a thorough investigation and prompt response within the time frame mandated by law. Each CRA " completed '' their " investigation '' no less than a week and did not conduct a full investigation on these accounts nor was I contacted or sent any feedback in regards to the validation of these said debts. I also have a document directly from XXXX of the reported collection accounts ( XXXX XXXX XXXX ) that has a different account number than the one that is being reported to the credit bureaus and when I called and reported this to XXXX and XXXX, it was " investigated '' and still verified as accurate which is in direct violation of consumer law and is subject to a civil action. I have given the CRA 's ample time to do their investigation and nothing was done about it. I want these accounts removed immediately due to the CRA 's violation of reporting inaccurate and damaging information to my credit reports all while reporting it as " verified ''
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX have continuously disputed my credit report and have asked them to remove items that are showing on my credit report that are duplicate, charged amounts incorrect, name on accounts not correct, accounts have also been sold to debt collectors and they continue to change dates on the credit report accounts to show they are recent yet they are old accounts. 
The following have been disputed more than once. The credit bureaus will not remove. Please remove : XXXX XXXX XXXX  act # XXXX XXXX XXXX XXXX XXXX XXXXXXXX they are duplicate - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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: Experian Information Solutions Inc. (FL)

I have inquiries on the following dates, I have no knowledge of them and they were not authorized by me XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (TX)

I received a notice in XX/XX/XXXX asking to provide proof of home owners insurance. I didn't understand why they were asking because the home owners insurance was being paid by them to the insurance company when we did the agreement in XXXX. The mortgage company completed the payment from XXXX to XXXX but claimed they did not know it was more due starting in XX/XX/XXXX. They were asking home owner 's insurance for info. Home owners insurance didn't notify me for payment because they knew the agreement from the mortgage company. The mortgage company nor the home owners insurance Co failed to notify me that no payments were being made. My insurance was canceled in XX/XX/XXXX for no payment and once again I was not notified. I had no clue any of this was going on until the mortgage Co notified me in XXXX XXXX. Now the mortgage company wanted {$1700.00} for lapse insurance that was partly their fault. Due to lapse insurance I could not find home owner 's insurance and had to pay more for the lapse time. The mortgage company paid {$1700.00} to themselves and {$3700.00} to homeowners insurance from my escrow. Now escrow is in the negative. My note went from $ XXXX month to {$1800.00} due to every one 's error. Then, they sold my mortgage to another company. The mortgage company is united wholesale mortgage.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NJ)

My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX 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 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (OR)

I got a offer in the mail in the form of a post card and the offer was ; Open Key Smart Checking, Key Advantage Checking, Key Privilege Checking or Key Privilege Select Checking account using the offer link and code XXXX and make a qualifying direct deposit of at least {$500.00} within the first 60 days of account opening. And KeyBank will deposit the bonus funds into your checking account within 90 days of meeting the offer requirements, provided your account is open and in good standing.

The amount is {$400.00}. 

The bank wont call me back and when I call for the manager they said they are busy and they will call me back and they never do, when I call back they put me on hold until it disconnects automatically. I brought the over in to the bank, opened one of the qualifying accounts, had several direct deposits well over {$500.00} and its been 90 days and no funds have been added to my account for completing the requirements.

They also charged me {$6.00} putting my account in the negative by {$5.00} and I think they did it so they didnt have to pay the {$400.00}.
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The accounts listed below were due to identity fraud/theft and I am not responsible for them. Thus accounts, inquries must be removed asap. per 15 usc 1681b you all are in violation and breaking the law because I did not authorize the companies to even furnish this information. Much less the wrong information at that!
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (AR)

So for a while now ive been getting calls from this number and it always leaves the same voice mail '' this is HRRG and we would like to speak to you, you can call us at XXXX XXXX and XXXX and you can speak to XXXX or any associate XXXX so i looked up this company and i see its gotten complaints about harrassing calls etc and they constantly call me and leave voice mails and i do not have any outstanding medical debts. It really annoying!
Consumer complaint received 2024-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-24
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. (MO)

XXXX is continuously reporting inaccurate information. I have submitted documentation countless times regarding my name. My name is XXXX XXXX, not XXXX XXXX. I have been divorced for yrs, I do not use the last name XXXX. 

So to repeatedly contact me and boldly state my file will remain the same with XXXX XXXX is unacceptable. I dont know who XXXX thinks have the time or patience to go back and forth over the same issue for yrs. Im not doing it. Fix my file. Imtired of using stamps and paper and the issue is STILL not resolved in 2023.My name is XXXX XXXX , want me to spell it and sound it out? Documentation is attached, which XXXX already has this. Imtired & Im done.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The closing date is on XX/XX/2024, and I paid the HELOC completely off on XX/XX/2024. I am trying to apply for a credit product and am unable to due to this inaccuracy harming my credit and reputation; please fix this inaccuracy as soon as possible. 
Thank you!
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these have been popping up on my account. I didnt apply for these accounts
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (TX)

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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.