davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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: TOYOTA MOTOR CREDIT CORPORATION (IL)

Dear Sir/Madam, I am writing to dispute a late payment that has been reported on my XXXX and XXXX reports by Toyota Motor Credit XXXX The account was opened on XX/XX/2022, and I believe this to be an error. 

I have never been late with any payment, and this is my first time experiencing such a problem. I am at a loss as to what to do, and I am seeking your assistance in rectifying this issue. I am confident that I have been timely in all my payments to Toyota Motor Credit, and I will do anything to prove it. I have been a responsible borrower, and I take my credit history seriously. 

I understand that a good credit score is essential for financial stability and security, and I am committed to maintaining an excellent credit rating. I am aware that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccuracies in my credit reports. I am exercising this right to dispute the late payment reported by Toyota Motor Credit. 

I am confident that I will be able to prove that this is a mistake, and I am requesting that the late payment be removed from my credit reports. In addition, I want to stress that I will need an advocate if this happens again. I will not allow my credit history to be affected by errors or inaccuracies, and I will fight for my rights under the law. 

I am committed to being a responsible borrower, and I will not tolerate any action that might damage my credit rating. In conclusion, I respectfully request that you investigate this matter and remove the late payment from my credit reports. I am willing to provide any evidence or documentation necessary to prove that I was on time with my payments. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-01
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. (CA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 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 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 7 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 2022-12-07
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: Experian Information Solutions Inc. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN CREDIT BUREAU is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN 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
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (GA)

I opened an business checking account with US Bank on XX/XX/2023 and deposited {$16000.00}. They closed my account with my authorization on XX/XX/2023 and will not return my money back to me. I reached out to US Bank ( XXXX ) and asked to return the {$16000.00} back to me. US Bank asked me for copies of my drivers license verify my address ( front/back ), social security card ( front/back ) and two billing statements from the XXXX XXXX  ( XXXX XXXX XXXX  XXXX that I initially requested to transfer the funds to US Bank. Even with providing all the necessary documents they requested, US Bank is still refusing to return the {$16000.00} back to me. 

I've sought help from my original bank ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) that facilitated the transfer ; they reached out to US Bank on my behalf and asked them to return my money back to me. US Bank still has not even responded back to them to acknowledge they are even looking into it.
Consumer complaint received 2020-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques (CA)

On XXXX XXXX I mailed by certified U.S. Postal Mail a response and evidence supporting my defense to Hunt & Henriques Attorney at Law, my response to H & H is in response to H & H response the CFPB on XXXX XXXX I will only attach my response letter to the CFPB website. According to the post office H & H should receive my certified response and evidence within two business day as of today XX/XX/2020 XXXX
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I received a notification of a transaction made with my credit card for the amount of {$3100.00}. I immediately contacted Amazon in reference of that unauthorized payment. Amazon used my credit card as back up payment for a transaction I was not related or familiar with. I have been for almost two month dealing with Amazon and Synchronic Bank. Amazon said they cancelled the order and to contact the bank. The bank is charging me for a fraudulent transaction made with my credit card without authorization.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Carvana Group, LLC (OH)

I purchased a XXXX XXXX from Carvana in XXXX of XXXX  with a warranty package. They are called XXXX XXXX. I had a slow air leak in the right front tire. When I went to XXXX XXXX XXXX in XXXX, XXXX, They said that they could not repair the tire because it was two years too old for the vehicle. I had to purchase 4 new tires. XXXX XXXX said the tires were not covered under the Warranty Package that I purchased with the SUV. Carvana said they inspected the tires and they were fine. I disagreed. I think that the tire inspection was faulty. They refused to even pay just a percentage of the cost for the new tires. I think they are in the wrong and should pay for the new tires that I had to purchase.
Consumer complaint received 2017-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On   XXXX   XXXX   XXXX     my Bank of America checking account balance was {$240.00} my balance on   XXXX   XXXX   XXXX     went up to {$280.00} witheout a deposit transaction made to the account. A similar error was made last month and caused my account to become overdrawn. I filled a complaint on   XXXX   XXXX   XXXX     (  XXXX  ) and, I have not heard from the bank yet.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion has allowed a creditor to re-insert an account with inaccurate and incomplete information on my credit report TWICE. I will attach the documentation showing the details. TransUnion has broken multiple FCRA laws. They've violated laws of my right to accuracy of information - 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) ( a ). It is the job of credit bureaus to not allow reinsertion of negative information once deleted - 15 U.S.C. 1681e ( c ). TransUnion has continually stated that the creditor has listed this account as accurate and complete. 

This account was disputed because the information was incorrect and incomplete. Therefore once deleted, this information should not have been reinserted to my credit profile. The creditor is not providing complete and accurate information and therefore should not be reinserted - 15 U.S.C. 1681i ( b ) ( i ). The creditor was contacted and it was found out that the creditor was furnishing inaccurate information to the credit bureaus as well. TransUnion promptly delete this account from my credit report. As shown in " XXXX XXXXXXXX XXXX '' image from the creditor themselves, it doesn't list an exact open date. It also doesn't list the date of first delinquency. 

Once again this account has been reopened on my credit profile and it has the wrong open date. Also, the date of first delinquency is still not listed on the account. As you can see from the documents I've attached, the open date has changed on TransUnion 's report, which is still in error. The open date that is listed is of the original creditor and not of the collection account. This account is completely inaccurate. I also was not given proper notice also within 5 business days of the reinsertion, that's also a violation - 15 U.S.C. 1681i ( b ) ( iii ). There was also no notice that I as a consumer have a right to add a statement to my file disputing the accuracy and completeness of the disputed information.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Incorrect names please delete : XXXX XXXX XXXX, XXXX, XXXX, I'll never live in the following addresses it is incorrect please deleteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX, OH XXXX XXXX OLD XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX. I'll never work with the following Employer Please delete : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  Delete all the unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following collection I'm a VICTIM of Identity theft I file the report : XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I WAS LOOKING AT MY REPORT AND NOTICE THERE WERE SOME THINGS THAT WAS NOT CORRECT. I SENT A LETTER TO EQUIFAX, XXXX, AND XXXX ON XX/XX/2024 HERE IS MY TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX. IT HAS BEEN 90 DAYS SINCE THE CRA 'S HAVEN'T RESPONDED. THAT IS A VIOLATION OF 15 USC 1681i ( a ) ( 1 ) ( A ) UNDER 15 USC 1681i ( a ) ( 1 ) ( A ) SUBJECT TO SUBSECTION ( f ) AND EXCEPT AS PROVIDED IN SUBSECTION ( g ), IF THE COMPLETENESS OR ACCURACY OF ANY ITEM OFINFORMATION CONTAINED IN A CONSUMER 'S FILE AT A CONSUMER REPORTING AGENCY IS DISPUTED BY THE CONSUMER AND THE CONSUMER NOTIFIES THE AGENCY DIRECTLY, OR INDIRECTLY THROUGH A RESELLER, OF SUCH DISPUTE, THE AGENCY SHALL, FREE OF CHARGE, CONDUCT REASONABLE REINVESTIGATION TO DETERMINE WHETHER THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE IN ACCORDDANCE WITH PARAGRAPH ( 5 ), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER. 
REMOVE THESE ACCOUNTS : 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 2024-04-02
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. (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (IL)

My Ally bank checking account was locked for no reason. I called multiple times, asked what is going on. They told me nothing other than an account specialist will have to call me in one to two business days. I can't pay bills, this is criminal. One customer service rep tried asking me random questions about information that might apply to me as multiple choice. Apparently I didn't answer them correctly because she was unable to authenticate me. They couldn't text my phone either. Don't know why, I have 0 answers and no way to access my money
Consumer complaint received 2023-04-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC (NJ)

This debt collector, XXXX XXXX, repeatedly called me today for more than 9 times, threatening to file a criminal lawsuit if I dont pat the whole amount of debt, {$1100.00}. He threatens to call the police and sheriff to arrest me and be put to jail. I told him I dont have the money to pay him the whole amount, I was trying to make payment arrangements of {$100.00} a month but will not accept it. I have called just answer, talked to a criminal lawyer named XXXX XXXX XXXX, and he told me that this persons tactic is illegal. He told me to file a complaint with CFPB, and if this person pursue to take legal action, I can counter sue him later on. I was also told that this could be a scam. XXXX XXXX works for Cash Central, it says a proud member of Community Choice Financial, no address given. XXXX XXXX telephone # is XXXX. He also texts me that I have to make sure that I will have a criminal attorney within the hour of his text at XXXXXXXX XXXX today, another XXXX at XXXX XXXX that if I think by ignoring his calls will help me, at XXXXXXXX XXXX another text, asking for my lawyers information, and by blocking him will not save me from warrants.
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (TX)

In agreement with my state 's reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and or certifiable compliant reporting else wise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws much less the standard of compliant reporting of the settled perfect and entire Metro 2 Format compliance of reporting! Your present-day reporting is significantly questionable and unproven to be certainly true, correct, integral, timely, validated and or else wise certified compliant as related to the mandates and standards of lawful reporting To the degree that the applicable aspects of the FCRA and FDCPA to include but not limited to the mandatorily perfect and replete certified Metro 2 format reporting! 
You are reporting inaccurate and incomplete details in regards to the below noted educational account ( s ). I demand that you contact the Educational facility, as I have already done, and demand a validation of the debt ( of course they can't provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Please outright your investigation of this Educational Collection and remove it because the provider can not validate the information you are reporting on my credit report. REMOVE the following suspect allegation ( XXXX ) immediately and permanently : XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Last year I opened a XXXX membership and I got a credit card and a new accounts. Unfortunately, even though the XXXX XXXX has a Zero Fraud Policy they still didnt give me the credit back for the fraudulent transactions that took place on the credit card. The moment I reported the fraudulent transactions to them they closed the account and they didnt give me any information. On top of that they didnt complete the fraudulent transaction dispute failed to complete the investigation and the bank did the unthinkable by sending the fraudulent transactions that were billed to the account and then they reported it as derogatory to the credit reporting agencies. Im confused by this because I dont understand how this happened to me. This is a very simple example of how the banks get sued. They have fraud representation on staff who have been given the authority to close the account without any compensation for the loss and when it comes down to the bank being compliant they are not. This credit union is criminal because if they were violated the way I was XXXX back office would have followed the law perfectly. Even though they have been doing this for over a year now they have destroyed my credit.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The information being reported to The credit bureaus is incorrect and invalid. I am requesting this item to be deleted. It is not valid on my credit report. Numerous incorrect items are being reported on my credit report. I am not liable for this debt, and it is hindering my daily life. XXXX XXXX XXXX XXXX I do not recognize how this information is being reported to my credit report. I do not recognize the date the account was opened, the date last reported, the date last active, or the date of the last payment. Everything being reported does not meet the FCRA. This is not in compliance with the 15 USC 1696g Validation of Debt. This item being reported to my credit file is incorrect and is hindering me from my daily life. If this were an accurate account it would be reported correctly across all three credit bureaus. Upon this, I am not liable for this debt, and it needs to be removed from my credit file I am not liable for this debt. Please remove.
Consumer complaint received 2017-04-08
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I reported Fraud on my credit card. I reported the Fraud to Bank of America, the charge is still on my file as they " research '' the issue. I want to pay the balance of my card but I do not want to pay the fraudulent charge. As a " preferred client '' I tried to call and speak to the claims department and was told I would need to wait over one hour. There is no online assistance and I suspect Bank of America is not doing everything in their power to resolve this manner in a timely and satisfactory manner.