davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I was laid off XX/XX/XXXX but started working again on and on XX/XX/XXXX. On XX/XX/XXXX, I contacted Toyota Financial Services ( TFS ) requesting assistance and received a deferment. After noticing that I need more time, I contacted TFS prior to 30 days requesting another 2-month extension. The representative set up the deferment fee for XX/XX/XXXX and explained this was the latest date that I can submit before it affects my credit rating. This was important to me because I did not want my credit affected especially while I was in the process of refinancing my home. 

During the first transaction, a payment was processed immediately. The second payment was set up for a draft which I was later told I should have sent the agreement back signed. According to Manager XXXX, who's reasons for not removing the delinquent mark changed stated that the agreement does not state that if I do not turn the form within a certain time period TFS will report you to the bureaus. She explained that the program is set up for delaying payments not protecting your credit. My concern that I was NEVER told my credit was in jeopardy until today. I also asked XXXX to send me the 2nd signed agreement which states that I had until XX/XX/XXXX to send in the agreement. TFS is refusing to remove the 30 days late.
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX refunded money to my checking account at Wells Fargo. I checked my account and {$5000.00} instead of {$500.00} was deposited. I was told to get XXXX XXXX gift cards to refund them their money, I did.These transactions continued because they claim mistakes were made in removing viruses. On XX/XX/XXXX deposits were posted of {$4000.00}, {$5000.00}, {$35000.00}, {$5000.00}. Of the online transfers {$4000.00} came from my savings account. I was not aware that these transfers were from my accounts I thought it was from XXXX XXXX because they told me when they made the transfers and I did check my checking account to see if the money was there. I went to the branch and withdrew {$5000.00} twice to purchase gift cards to give XXXX XXXX the numbers from the cards of which I do have in my possession. XX/XX/XXXX I discovered {$4000.00} missing from savings, I immediately went to a Wells Fargo branch and discovered these transactions and filed a fraud report. I was told that since I withdrew the money from my checking there in nothing Wells Fargo can do and the investigation is finished. Wells has ongoing account monitoring and if an online transaction looks suspicious it will be denied. I have never transfered money from my credit card to checking and I have only transfered money from savings to checking twice in the sum of {$300.00} each time. I feel as if these transactions should have been suspicious and denied by Wells Fargo. I could have just purchased the gift cards with my credit card and avoided the transfer fees if I was using my own money.
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. ()

RECEIVED NOTIFICATION OF CHANGE OF ADDRESS AND CONTACTED XXXX XXXX ACCOUNTS TO INFORM CHASE THAT I DID NOT REQUEST THIS ACTION, CHASE OPERATOR WOULD NOT TAKE ANY ACTION AS I COULD NOT VERIFY MY ADDRESS, AS THE PERSON COMMITTING THE FRAUD HAD CHANGED THE ADDRESS ALREADY, ASKED FOR SUPERVISOR TO TRY OTHER VERIFICATION METHODS AND WAS INFORMED THE ADDRESS WAS THE ONLY WAY. ( AFTER SEVERAL PHONE CALLS AND ATTEMPTS MADE ) EXPLAINED I AM BASED XXXX WHERE THERE IS NO CHASE BANK OUTLETS. 
CONTACTED THE BRANCH IN XXXX ARIZONA TO EXPLAIN THE SITUATION AND ASK FOR A. BALANCE ON MY ACCOUNT, WAS ADVISED THAT ALMOST XXXX, XXXX HAD BEEN STOLEN.WAS TRANSFERRED TO CLAIMS DEPARTMENT AND SPOKE TO LADY EXPLAINING THE SITUATION ( XX/XX/XXXX ) WAS ADVISED THE ACCOUNT WOULD BE RESTRICTED AND THE CARD STOPPED.PROCEEDED WITH CLAIMS. 
CONTACTED CHASE IN XX/XX/XXXX TO FOLLOW UP ON CLAIMS AND WAS ADVISED THAT THE BALANCE OF THE FUNDS WAS WITHDRAWN! HOW? I REQUESTED THE ACCOUNT TO BE RESTRICTED AND CARD STOPPED YET BALANCE OF FUNDS STOLEN!!! TOTAL FUNDS STOLEN {$27000.00} XXXX XXXX XXXX XXXX AND XXXX DOLLARS AND XXXX CENTS
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Company closed my account due to returned payment when I was In the hospital due to XXXX  I had my wife making payments on my account and she was using my old account number I spoke to an agent name XXXXXXXX XXXX XXXXXXXX I ask to speak to his supervisor he was very nasty about the situation and told me he was declining my request I will have my loyalty following up with a law suit for discrimination if this issue isnt handled
Consumer complaint received 2023-07-16
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: TRUIST FINANCIAL CORPORATION (CT)

I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never completed an application for anything from this company. I called them and let them know it was fraudulent activity and nothing was done. This needs to be taken off my credit report. For date XX/XX/XXXX, XX/XX/XXXX. My rights are as followed. 

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a loyal member of Capital One credit cards for around 12 years. Over the past decade I've never missed a payment and have maintained near perfect XXXX. Both my personal line and business accounts have extensive credit lines. 

A few months ago I opened a new account to manage my real estate rentals. Capital One offered a very small credit line for this account. Recently, a utility company tried to collect payment and attempted to charge the card several times but since I was just shy of the available credit on the card the charge repeatedly did not go through, but rather was flagged as returned payments. 

Without notice or warning, and after a dozen years of flawless credit history, Capital One abruptly canceled all four of my credit cards, closed my accounts and kept my rewards points that I had accumulated. 

I called and spoke to two different managers today and both were sympathetic and apologetic but said they could not do anything to help. I was shocked, appalled, outraged, and confused all at the same time. I'm assuming this was a flawed computer algorithm that canceled my accounts due to 'returned payments red flags ' and thus avoided the common decency of contacting me ( via call, text or email ) to indicate there was an issues prior to taking such drastic measures. I can understand if a machine determines I am high risk for some odd reason but can not believe they removed the entire human element out of the equation and left no option for resource in its wake. 

I have strong credit and plenty of liquidty to service my debt, yet now it appears I'm going to suffer the credit wrath of four closed simultaneous accounts, two of them are sizable and have significant history behind them. This seems beyond ridiculous.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One National Association submitting multiple soft inquiries called " Account Review Inquiry '' in a month for several months. I don't understand the valid business purpose behind so many inquiries in a month, albeit for a soft pull.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (CA)

Dear Credit Bureau Experian I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

On XX/XX/XXXX ( Receipt included ) a Dispute Form including all accounts resulted from Identity Theft, Identity Theft and Police Report were mailed. Accounts in dispute were listed on original Dispute and Evidence Request per section 609. This envelope was certified mail and required signature. Records show it was received by your office. 

As proof of my identity, drivers license, gas bill, and Social Security. 

You were unable to verify the accounts with the original contract, the information should be removed from my credit report within 10 days of receipt of this Complaint. 

Sincerely, 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 2018-12-07
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. (MI)

Equifax has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined thatXXXX   XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX closed the account they had under my name, but TransUnion is still reporting this account on my consumer report I need them to remove this account off my consumer report. See attached documents for proof that XXXX XXXX XXXX XXXX no longer holds me responsibly for this alleged debt.
Consumer complaint received 2023-09-05
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NE)

We are looking for your assistance in getting Chase Card Services to sign and return an affidavit.We are not asking Chase Card Services to do anything other than return the affidavit, which I have attached to this complaint. 

On XX/XX/2022 my bank issued a XXXX XXXX check on my behalf to Chase Card Services in the amount of {$2500.00}. 

On XX/XX/2022 I noticed I had a late fee on my Chase Card Services account. I contacted both my bank and Chase Card Services. It was determined the check had been intercepted by an unintended party and endorsed on XX/XX/2022. I obtained a copy ( front and back ) of said check from my bank and presented it to my local Chase Bank branch as directed. A copy of the check was also submitted to Chase Card Services. I have attached a copy of this check. 

After some research, Chase Card Services confirmed they did not receive or cash this check, but have been unwilling to sign the affidavit acknowledging they did not receive the payment.The bank where this check was deposited requires the affidavit be signed by the intended party to whom the check is made payable, which in this case is Chase Card Services. Once the affidavit is signed and returned by Chase Card Services this will allow my bank to dispute the transaction so that I may receive credit for this payment. 

We are contacting you as a last resort, as we have made numerous three-way calls between myself, my bank, and Chase Card Services to get this matter resolved. Chase Card Services has been unwilling to sign the affidavit. This process has been going on for eighteen months and I feel this matter should have been resolved by this time.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sent a letter on XXXX XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included the following items in my previous Complaint and I am including these again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
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. (TN)

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX has placed an inquiry on my credit. I have disputed this Inquiry with the XXXX XXXXXXXX and equifax credit agengies but it has came back as verified on only on equifax. All other credit agencies such as XXXX and XXXX has deleted as they should have. this is not my inquiry. I've requested that the creditor send me the original contract to prove this inquiry to be mine. the XXXX from XXXX executie office reponded by phone on XX/XX/XXXX twice phone call at XXXX and also another at XXXX on the same days stated they do not have this information. If they do not have this information then why is this being reported on my credit? this is fraud. will need to be removed. Equifax has refused to delete it as of XX/XX/XXXX, this morning they claim it has came back as verified. I filing a complaint with CFPB because XXXX XXXX XXXX Executive Office responded verifiying that they do not have proof! I have not been supplied anything from equifax on how they have validated this when the company has stated that they DO NOT have proof. Equifax supply proof of or the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt/inquiry, nor therefore any such debt/inquiry, in fact exists. This is holding me back from moving forward in life. In no way can this debt/inquiry be mine. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

It appears that your financial institution may have violated federal laws related to the sharing of your personal financial information without providing you with the opportunity to opt-out. According to 15 USC 6801 ( a ), financial institutions are required to notify consumers of their information sharing practices and offer the right to opt-out of certain sharing.

Additionally, 15 USC 6809 ( 4 ) ( A ) defines " nonpublic personal information '' as personally identifiable financial information obtained from consumers, and 15 USC 6809 ( 5 ) defines " nonaffiliated third party '' as an entity not affiliated with the financial institution. 

Based on these definitions, it seems that XXXX, Equifax, and XXXX are considered nonaffiliated third parties. If your financial institution admits that they are affiliated, they may still be in violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) states that consumer reports should not include information communicated among entities related by common ownership or corporate control unless clearly and conspicuously disclosed to the consumer with the opportunity to opt-out.

In conclusion, your financial institution has infringed on my right to privacy and potentially violated multiple federal laws regarding the sharing of my personal financial information. I demand
Consumer complaint received 2023-04-26
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS.

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XX/XX/2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.