davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (IN)

My wife and I both got a call about being served papers for a complaint from a debt against myself. Told to call a number if not available to sign on that day. My wife and I both called to find out information. Phone number is XXXX. The person on phone said it was a debt owed to Toyota for a vehicle purchased back in XXXX and was auctioned in XXXX and I owe the remainder of bill. I never purchased a Toyota in XXXX. I believe this is a scam. When I tried to look up the company city serve which the company they are claiming to be it comes up with XXXX  charity and a church charity, instead of a debt company that serves papers.
Consumer complaint received 2016-03-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Again, I received a letter from Nationstar Mortgage on XXXX XXXX, XXXX dated XXXX XXXX, XXXX. In the letter they claimed that my HAMP Tier 1 and Tier 2 were declined based on XXXX eligibility requirements. Secondly, they claimed that I did not send them all the documents requested from me, and also I did not send them promptly. These claims are lies and not true. Every time they requested documents I faxed the documents to them ASP same day through the fax number provided in their request letter. I have boxes full of the documents faxed to Nationstar Mortgage. Attached are the XXXX letters I received from Nationstar, XXXX in XXXX XXXX, XXXX, and the other I just received in XXXX XXXX, XXXX. The reasons for the denial of my HAMPs Tier1 and Tier 2 are totally different in both letters. Attached are the XXXX letters. They are not consistent with the reasons for the denial of my HAMPS Tier 1 and Tier 2 modification. Also, attached is the letter I received on XXXX XXXX, XXXX for your perusal.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (FL)

I have attempted to receive the tax documents needed in order to file taxes for a trust I manage. I have contacted the institution and was advised they would be emailed, only to be called by a different department that they dont have access. I have been denied online access to the documents and have been given misinformation and the run around denying me access to the required documents.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TN)

I was offered a {$300.00} promo credit for adding a new checking account with Chase Bank. I used the promo link they provided which automatically applied the promo code ( XXXX XXXX XXXX XXXX ). The terms required setting up a direct deposit which I did. 

I created the account on XX/XX/2022 and the {$300.00} bonus was supposed to be added on XX/XX/2022. That never happened. I have called and spoken to Chase representatives on more than 5 occasions now. Each time they have promised a resolution and it had yet to happen. As of my last phone call on XX/XX/2022, Chase has claimed that no promo code was ever applied to my account. This is false.

It appears Chase is either intentionally attempting to defraud me, or their customer support in inept beyond belief.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I received a copy of my Equifax consumer credit report and am disputing some hard inquiries that need to be deleted. I have listed the account, the opening date, and account number when possible on the attached file.
Consumer complaint received 2024-03-25
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2016-11-04
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (NJ)

I am a single working mother with no family or financial resources. I purchased a used car on XXXX/XXXX/XXXX, in a state of utter desperation. I later discovered I had been a perfect candidate for a " subprime loan '' ( the details of which I was not fully aware ), and which pretty much assured I would not be able to keep up with the very high payments and penalties. The lender is Santander, one of the top subprime lenders as I understand. During the course of the loan, I did make several late payments and was charged penality feels. At one point, the car was actually repossessed, but I was Able to get the car back by paying various additional fees ( which I had to borrow from a friend ) in addition monthly loan Amount. The car was Totalled in XXXX, XXXX. Despite having paid for gap insurance, Santander did not accept the gap insurance for the coverage of accrued late and/ or penalty fees - which started out at {$5800.00}. Hence, at this point, I no longer have the car, but had to agree to make monthly payments for two or three years. After receiving my tax refund, I made monthly payments of XXXX a month - but when thel money ran out I could not keep up with payments, especially BC I lost a job and I was sold another used car with a bad title ; As of now! I I have n't been credited for paymwmts that were made, they continue to accrue Inretest, and Santander calls my cell phone about 7 times a day - they have also reported the nin- payment to my credit report. I apparently now owe {$6200.00}. Deapire the original amount being {$5800.00}, against which I made about 5 or 6 payments of XXXX They call me all day and night - and have also been calling two friends if mine as well as my step father. Please help!
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-03-02
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: 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 this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX
Consumer complaint received 2023-06-01
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. (KY)

I checked 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
Consumer complaint received 2023-06-01
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)

This is to inform you that the accounts listed below are reporting erroneously & is inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me 30 days past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX XXXX  XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2017-05-16
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: EQUIFAX, INC. (MO)

In reviewing my credit report, I notice d a Hard Inquiry f rom  XXXX   XXXX  on    XXXX   XXXX     2016. I ma de no attempt to apply for any credit through   XXXX   XXXX  , and in my attempt at mortgage financing I was lead to believe that the number of inquiries on my account contributes to lowering my credit score.
Consumer complaint received 2018-03-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MA)

On approximately XX/XX/2018 Wells Fargo accepted my offer to purchase a foreclosed ( XXXX ) home at 23 Stage XXXX XXXX, XXXX, MA XXXX. The acceptance was based upon a pre-qualification letter from my lender. 

Since there was a seven-day home inspection contingency, the inspection was performed to meet the deadline. Although the listing agent refused to de-winterize the home by activating the water, I paid {$550.00} for the inspection to determine if it was in my best interest to move forward with the sale. The inspector found no major problems and recommended it was safe to advance with the purchase. 

The listing agent is now denying an appraisal of the home. It is well known throughout the housing industry that a loan is not granted without an appraisal, regardless of the type of loan ; however, XXXX XXXX stated to me if she knew it was this type of loan she never would have accepted the offer. This type of loan is a XXXX XXXX XXXX XXXX loan. The statement is discriminatory and leads me to believe there are other motives for the refusal of the appraisal. My realtor, along with my lender and several housing professionals, have never heard of denying an appraisal since it is a requirement from all lending institutions regardless of the type of loan. 

My lender offered an alternative of accepting the Assessment Report from the Asset Manager. This request was also denied stating an assessment report was never performed. If this is the case, how was the asking price determined? 

XXXX XXXX was also contacted by U.S. Housing and Urban Development and informed them I do not qualify for a loan to perform repairs on the home. This is not a fair statement since the repairs have not been determined. 

Therefore, I am filing a complaint against Wells Fargo and XXXX XXXX from XXXX XXXX for unfair and abusive practices. Their refusal of due process violates Federal Consumer Financial Laws.
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (TX)

As per Section 609, I am entitled to see the source of the information, which is the orignal contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2017-07-13
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. (TN)

I have tried to have some hard inquiries investigated and deleted from your company as they are hurting my credit score and the excuse that I get is they are statement of fact. This is not true and your company has failed to do the job laid out by the FCRA. I want these inquiries investigated and deleted. <P/>here is a list of inquiries on my report that should be investigated and deleted XXXX XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies will tell you that credit inquiries are just a statement of fact and can not be removed. This is not true. FCRA Rules state that any information can be disputed and must be investigated. <P/>Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. <P/>Credit inquiries made without your permission can indicate fraud ; in which case the credit reporting agencies may put a fraud alert in your files. A fraud alert will make it difficult for anyone, including you, to access your credit report without your permission.
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

Good afternoon, I enrolled in auto debit with mohela, for the past three months there has been no issue with deducting from my bank account and having my payment processed in time. For this month, I got an email saying that my payment is " past due '' despite receiving email confirmation that they deducted from my bank account AND the amount posting to my bank account. Not only is my payment " past due '', I am incurring penalty charges and it is not showing up on Mohela 's website as being paid.
Consumer complaint received 2023-02-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (TX)

And XXXX I received a letter from the IRS stating that I owe to them almost {$10000.00} in taxes for a vehicle purchase through Wells Fargo financing. This vehicle was purchased as a joint vehicle however win the 1099 seas were distributed we were divorced they sent a 1099 to my ex-husband For the amount of {$24000.00} and they sent one to me as well in the amount of {$24000.00} saying that both of us owed taxes on {$24000.00} The total cash price for the vehicle according to the credit application is {$26000.00} When you add those together that is almost {$49000.00} so both of us were required to pay taxes for {$24000.00} when the vehicle was only {$26000.00} we asked them if they could send us 1099 cc with the corrected amount because technically we should be splitting the cost of the vehicle and they refused. They said that was not something that they did even though we were no longer married. They said that we should just be able to ask our tax professional to split it the IRS said no you can not do that. The IRS said that we both must pay taxes as the 1099 sees state that we should because that is what Wells Fargo reported I am still in debt with the IRS due to the fact that Wells Fargo refused to split the balance of the vehicle between both of us when I told the IRS that we would end up paying almost {$20000.00} in regards to this debt and that Wells Fargo was reporting fraudulent information they did not care Wells Fargo was very hesitant and not compliant and sending me documentation of the debt when I asked them to it took them about a year to do so.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (PA)

I had got my federal tax refund and i had gotten text and calls from credit karma fraud department stating someone was trying to change the number on my account and then i had messaged their online representative and told them someone was trying to access my account and they proceeded to allow someone to access my account from an unknown device and browser which i had gotten emails the minute they accessed it and the person was able to instant transfer themself XXXX dollars and i disputed the charges and Credit Karma took 3 days then decided to say i authorized the charges which i did NOT and wont make things right. If they actually did an investigation they'd know whose card number was still on my account ( not mine or associated with it ) and that i never use XXXX or XXXX which was the browser and phone used to access my account. I filed a complaint with the FTC and Attorney General as well over this case. Its upsetting they took no precautions to secure my account nor did they make things right. they also waited until they denied my dispute to even freeze my whole account which did no good after the fact. its by far the worse company out there and should be out of business the way they treat their customers. also talking to representatives can never give straight answers on anything nor do half of them even know what your talking about when you communicate.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (WV)

this is XXXX XXXX i 'm here to file a complaint again all XXXX credit reporting companies ever since last year i apply for a credit card from XXXX XXXX they pull my credit but the problem is they said my credit was locked by credit reporting companies they had no right to lock my credit so i could n't get my score they been messing with my scores they keep knocking off points from my score keeping me down in the XXXX i should have a good credit score i try to pay my bills on time i 'm trying to build credit but these companies do n't wan na give me a good score there doing fraud things to me and i want to find out what i can do about it i been trying to get all XXXX credit reports but they do n't wan na give me a report and score so i can know how my credit is doing they do n't post to keep you from getting a report