davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-05
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: General Motors Financial Company, Inc. (GA)

This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MI)

The following accounts are in violation of the FCRA. The following accounts are reporting as late, I have NEVER been late on these accounts. 

-- -Toyota MTR acct # XXXX, opened XXXX -- XXXX XXXX XXXX acct XXXX XXXX, opened XXXX -- -XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX -- XXXXXXXX XXXX  acct # XXXX, opened XXXX
Consumer complaint received 2022-08-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit, Inc (NC)

XX/XX/XXXX contacted VW Credit RE : payment history. Per VW Credit : the account is not up to date because the scheduled payment for XXXX, XXXX was never received. It also took two phone calls to even ascertain that it was the XX/XX/XXXX payment that caused the issue. The first CSR was rude and not helpful at all. I called VW Credit again and spoke with a much nicer more professional CSR. 

After checking my bank statements it is verified that a payment was made to VW credit via a phone payment and this is noted on the bank statement as paid to " AUDI FINANCIAL for the scheduled amount of {$390.00} on XX/XX/XXXX, ( please refer to the XXXX XXXX  statement. ) It should be noted that all prior payments are documented by my financial institution as payable to VW Credit, and NOT Audi Financial Services. The payment history from VW Credit does not reflect the XX/XX/XXXX payment, ( please refer to the document from VW Credit. ) This error on the part of VW Credit has identified the account as being in " arrears '' since XXXX, XXXX, and has had significant financial consequences, including : jeopardizing my credit score, placing the account in a " catch up '' mode when the account should be noted as ahead of my scheduled payment dates, AND adding additional financial charges and/ or penalties to the account. I want the payment noted by VW Credit in writing to me, or my attorney of record. I have furnished VW Credit with this information. 

I also request that all additional fees and or interest charges are refunded to this account. I made the payment on time and fulfilled my obligation as the debtor ; however, VW Credit is very good at stonewalling and has not from day been transparent in this matter. In the event that VW Credit noted a payment not received a simple contact with my attorney, ( who would then forward all correspondence to me, ) was certainly a viable solution. VW Credit made the decision to charge exorbitant fees instead and keep the account delinquent.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I called XXXX XXXX and they agreed and sent me proof that I do not have any 30 day late payments with them. XXXX and XXXX updated my credit report to show that I never had any late payments with XXXX XXXX. However, Transunion continues to show that I have a late payment on with XXXX XXXX and has not removed it from my credit report yet.
Consumer complaint received 2023-10-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (SC)

Was put out of work and waiting for XXXX XXXX XXXX Was told to have the money by next week. The company continues to call after being told I am still waiting on the I XXXX XXXX The amount of calls are in the 30+ calls per week.
Consumer complaint received 2023-10-27
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (CA)

Again Wells Fargo has failed to answer the one question I had for them. Why did you want me to send a copy of my signature to you to verify that the signature on the XXXX XXXX XXXX slip was mine?
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX is selling camera gear through the XXXX XXXX XXXX. His profile shows that he is a trusted user or a XXXX XXXX. He listed the camera here XXXX XXXX XXXX XXXX  As you can see in the description he asks for more money than the price on the app. Then he offered additional lenses for a higher price. He gave me his phone number and we had a call, he sounded very trustful. He asked for my shipping address and email to request a payment through XXXX. I sent two payments, one of {$500.00} and another one of {$2500.00}. The XXXX user is XXXX XXXX, he claimed it was his wife. Early morning we had a call and then another one when he said he was going to XXXX but nothing. After that call he never responded. I made the claim with XXXX as well. Please, I need help to recover this money, I have screenshots of the texts and all of the calls.
Consumer complaint received 2018-05-05
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: SYNCHRONY FINANCIAL (CT)

I wish to submit a complaint against XXXX XXXX and there services. I am complaining against there credit scorings system, I am very dissatisfied. XXXX XXXX lowered my credit cards line on two credit cards. XXXX XXXX are reporting false information to the Credit Bureaus due to my wife debt relief program. Her synchrony credit cards accounts are not active. 

Her credit cards accounts are closed due to shortage of working hours. I could provide statements and proof of letters that XXXX XXXX is using false information against my credit history. They are violating my rights. XXXX XXXX are basing my wife debt relief program against me. I have some concerns. These cards are not joint accounts. Here are the following names of the credit cards my wife have with XXXX XXXX   Walmart, JCPenny, XXXX XXXX XXXX, XXXX. 


I have same credit cards but separate from hers. Here are the following XXXX XXXX  credit cards that I have actively opened, XXXX. XXXX and XXXX, XXXX and XXXX know as XXXX XXXX XXXX credit card is at XXXX balance ( paid in full ). XXXX XXXX decided to closed this account without any authorization or permission. I am making monthly payments on the other 2 account with no problems. Keep in mind these credit cards are not joint account but they are using there credit scoring system against me due too my wife debt relief program. They are willfully violating my rights and using my information to damage my credit history and score with the credit bureaus. XXXX XXXX   stated that they do month to month monitoring credit check. I'm very concerned. I never heard banks checking credits on month to month bases. I think they are Discriminatory Credit Card Practices. Please forward my complaint to the right Department or the Consumer Financial Bureau.
Consumer complaint received 2023-08-29
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. (TN)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-06
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. (FL)

CFPB Write up in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX & XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-06
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. (NJ)

I had written XXXX about this issue and they refuse to remove this hard inquiry off my credit report, I explain to them that its illegal to report hard inquiries on someone report with out there consent or proof of documentation. Which XXXX XXXX fail to valid any evidence
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (FL)

To whom it may concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2023-06-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc (NV)

Hello Ive being using PayPal for years They never prompted me to install a 2-step verification after they did and I added it to my account. Since then I can not login to my account with the right password because the second step they sent 6 digits to the authenticator application but they never informed me what application that is. 

After spending hours of my life and weeks of trying to get in touch with the live representative, access to talk to someone over the phone without being able to log in to an account is impossible. On XXXX XXXX, they refuse to help and can't understand the issue. They keep sending links to change passwords that is not the issue. They also keep sending links to texting over the phone again because they can not understand the issue. 

Contact customer service " as guest '' on hold forever. Nobody every picks up. 
You can only contact PayPal customer service over the phone when PIN is provided from the account after being logged in I can not remove 2-step verification without being able to log in. 
Due to this ongoing issue, I will be late on my $ XXXX credit line payments. 
I have requested many times to call me no one ever honors this request Over the texting the agents not equipt to understand the problem
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!! 

XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo did not state a reason for denial however upon calling XXXX I was told to " lift my security freeze with XXXX '' by " XXXX '' @ XXXX for " further processing '' & would receive a response within XXXX business hours
Consumer complaint received 2022-08-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (NJ)

15 U.S. Code 1692g - Upstate Failed to Validation of debts because its fraudulent. The gave me a bogus contract and took my signature to borrow a loan from a third party called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with giving full disclosure before doing so, 1 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

They failed to give me full disclosure in the contract which makes it Fradulent. 

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  Account XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 

These are my variolations and this has caused me and my family serious damages as i lost my appartment, job and i couldnt get anything on credit with any creditor.
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I placed an order for a new XXXX XXXX  XXXX phone under a trade in promotion where I was promised to get a {$200.00} credit for trading in my old phone making the cost of the phone {$650.00} ( {$850.00} minus {$200.00} credit ). Concurrently with this purchase I applied for a XXXX TD Bank card which would allow me to pay the phone in interest free installments. 

On XX/XX/2018 I received an e-mail from XXXX saying I was being charged an additional {$170.00} because the phone I traded in was not unlocked. That is a complete and utter lie as I traded both my wife and my phone together and did the same factory reset on both ( and then checked before sending them in ). This issue only happened with one phone. 

Upon contacting XXXX on XX/XX/XXXX I was told they would investigate and get back to me within two weeks. After not hearing back and contacting them again XX/XX/XXXX I was told the case was still being looked into. Frustrated with no progress and what seemed to be empty promises of actually looking into ANYTHING I contacted TD Bank to dispute the charge. 

On XX/XX/XXXX TD Bank sent me a letter saying they looked into my dispute and basically quoted XXXX 's original lie verbatim and for me to contact XXXX again which I did again today XX/XX/XXXX but  basically got nowhere with them. 

So in summary XXXX claims my phone was not unlocked but can't provide any evidence to back up that claim. They refuse to return my old phone so I can check this issue myself and TD Bank is just repeating what XXXX is saying. I'm not sure on how many more customers they are playing this game where they basically claim to give you a credit and then just steal your phone.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Thats on XX/XX/XXXX I XXXX XXXX a natural person and consumer sent Vice President XXXX XXXX XXXX of XXXX XXXX XXXX XXXX a letter of Instructions attached with a Tender of payment to discharge my account. XX/XX/XXXX XXXX XXXX XXXX replied with a a letter say that they dont except Any Tender of Payment unless its US Dollars. In pursuant to House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ) Spencer v. Sterling Bank. The entire taxing and monetary system are hereby placed under the U.C.C ( Uniforn Commercial Code ) TheFederal Tax Lien Act of 1966. XXXX XXXX XXXX XXXX has yet informed the IRS of this transaction. After doing UCC 11 search theres no actual Lien under my name or on my vehicle. The IRS informed me that this company may be doing fraudulent paper work.

This company is attempting to Extort me at this point.

I am now revoking all Powers Of Attorney, Security Interest and any other obligations I may signed or given this company. I will be attaching an official Notorized Cease & Desist letter along with a Right of Rescission letter. I no longer want to continue doing business with this company.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2018-05-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion failed to respond to my request for debt validation ( not verification ) on an alleged account reported to them by XXXX XXXX ( Not XXXX XXXX ) within 30 days as required by the FCRA. I submitted this request to Transunion on XX/XX/XXXX and did not receive the information required to validate the alleged debt from Transunion by XX/XX/XXXX as required by the FCRA.