davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I began my loan with Toyota Financial Services in XXXX of XXXX. When I purchased a XXXX XXXX XXXX from the Toyota dealership, they told me they would defer my payment until XX/XX/XXXX. I made payments in XXXX and XXXX of XXXX, which should have led to my account being ahead by two payments from the promised due date. I have been continuing monthly payments since then. 

In XXXX and XXXX of XXXX, I had two payments returned to Toyota Financial Services ( TFS ) due to my bank account being compromised. After this, I began receiving collections calls from TFS due to late payments. Over the course of several calls with multiple TFS representatives from XX/XX/XXXX to XX/XX/XXXX, I tried repeatedly to explain that my account was actually current after the two returned payments. TFS employees admitted that they saw the initial due date of XX/XX/XXXX, but could only provide a payment history which showed the incorrect initial due date of XX/XX/XXXX. 

After a multitude of calls and discussion with TFS representatives, on XX/XX/XXXX, a TFS Representative named XXXX ( Agent ID XXXX ) informed me that their resolutions department identified the discrepancy and corrected my account to current with the next normal monthly payment due XX/XX/XXXX. This is displayed in the attached screenshot of my Toyota App showing the amount due on XX/XX/XXXX. After verifying that TFS had corrected my account, I assumed this was resolved. When I logged back in to the app to make my payment on XX/XX/XXXX, my account had once again been updated to show me owing {$4300.00} due by XX/XX/XXXX. Nobody from TFS contacted me between XX/XX/XXXX and XX/XX/XXXX to inform me that the account information had been changed. 

After unsuccessfully trying to communicate over the phone with TFS about the discrepancy being reinstated, I began a complaint through the XXXX XXXX XXXX. TFS continued providing the incorrect payment history showing my initial due date of XX/XX/XXXX. I responded to explain the issue to them once again, but before they responded XXXX ordered my vehicle to be repossessed. My vehicle was repossessed on XX/XX/XXXX. 

Toyota Financial Services has misrepresented the amount owed and my due date the entire time I've had my loan active. Their representative updated my account after we came to an agreement about the discrepancy, and it was once again updated incorrectly without my knowledge. After my vehicle was repossessed, I spoke to three different TFS representatives who all accepted that my initial payment was due XX/XX/XXXX. I have these calls recorded. TFS refuses to accept that the payment history that they provided me is incorrect due to the initial due date. TFS engaged in a deceptive due date and amount owed change without notice.
Consumer complaint received 2022-12-21
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. (NY)

On XX/XX/XXXX I realized that my Experian Credit Report listed a XXXX  and XXXX XXXX Credit card under my name. I review the information with both companies and they confirmed that I did not have an existing account with them. The conclusion I reached with those companies was that Experian incorrectly listed me as an authorized user as me and my dad share the same name ( XXXX XXXX ). 

On XX/XX/XXXX, I submitted a dispute with Experian to resolve this, only to get a response back saying my information was deemed correct ( Report ID : XXXX ) .I have tried contacting the company on multiple occasions, even emailing asking if they can call me or direct to me a correct contact. All the numbers they give me have zero methods of talking with an actual person. Unsure why a credit agency would make it so difficult to reach customer support until a complaint is officially filed. CFPB should not allow Experian to be so hard to reach, especially for people who may not have the technical abilities to figure out how to solve this. I had to go on multiple forums to see different methods to resolve my issue. Credit Reporting adjustments shouldnt be this complicated and it is putting my credit at risk.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NC)

I used the annual credit report site, entered all required data, Experian and XXXX both said they could not confirm identity, did not even offer an chance to access XXXX, and there were no options to find out why they could not confirm identity, the only option was to back out and then wait a year to try again. I used the phone to request the reports and they needed less info than online, but said it would take 3 weeks before I got it when I needed it for a legal matter right now. All I can say is that this site is about as useful as your other one, the 'Do Not Call Registry ', and that is sarcasm, not praise.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

Found out once I got a notification of payment due by a monitoring company I use. XXXX XXXX allowed my ex spouse access my account via phone in XX/XX/2023 and defer payments for XXXX months. Judge signed decree he's excluded from loan. Nothing in email or mail or attempt to notification of this by XXXX XXXX. My online account was locked, unable to recover account. I finally got a notification about account and it's due. This payment was autopay to one of my bank accounts. Ex spouse had stopped payments to all of his debt in my name. That's a legal issue I'm waiting for garnishments to begin local court order. 
Long story short, after stop payment by former spouse, he withdrew last of funds & closed that bank account that I had. At the time I had 2, one of which he wasn't aware of so no potential access. Called XXXX XXXX advised them I was unaware of this deferred XXXX months, just found out about bank closure. Asked what was due and how quick to pay to avoid credit reporting negative and repo. Advised XXXX due. Asked if I could pay the following week, note account payment to be made by x date. Agreed on that and told no negative reporting unless non payment beyond the date agreed. Flawless credit history never a negative mark. This bank closure without knowledge caused me so far over XXXX in open unused credit lines to be revoked for this 1 bad mark when paid as agreed. Plus another account different creditor who applied payment incorrectly to wrong account of the 2 I had with that company reporting XXXX  days late when it never was, actually paid more than minimum. Anyways due to this 1 bad mark, and another my credit score went down XXXX or so points from never missing payment in XXXX years of building credit. Now two credit lines with 1 creditor closed by creditor even though XXXX balance on one, and XXXX balance on another that I had just put less than a week previous plus XXXX days prior paid off the XXXX balance I did have. In attempt to stop this snowball for wrong reporting, paid off XXXX in debt immediately making several accounts XXXX owed. Lost 2 of my longest cards so lowering credit again as of last week since average decreased by XXXX years from those XXXX yr active accounts gone. I paid as agreed. XXXX XXXX will not allow password recovery online by sending self email. Ex spouse didn't ever have a log in, but accessed and said right things to defer without my knowledge. No notification of said access by mail. I can see exactly why one would say nah I'm not paying just bankrupt make it go away, which can be done due to income however I put my credit above anything else after watching loved ones lose everything from addictions. Same with former spouse also filed previously to marriage, and is soon to file again the one who gained access to this.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This account status of XXXX XXXX Account # XXXX status has been inconsistently updated. On XXXX status is " CLOSED '' On Equifax status is collection/chargeoff and on XXXX status is 120 days late. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.
Consumer complaint received 2023-03-05
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: OneMain Finance Corporation (CA)

I was alerted via text by a company called One Main Financial, the {$6000.00} personal loan papers were ready to sign. This happened on XX/XX/2023. I called the XXXX, CA branch and paid them a personally visit. I was told that the person I spoke to on the phone XXXX was not there. Just a young lady was at a desk behind a stack of papers. I asked her for the loan documents that were in my name and gave her my driver 's license to verify me. She refused. Said to call a number in Texas. I tried many times trying to get a hold of a XXXX without any satisfaction. This is part of a fraud series of events and is among one of 43 inquires for credit or loans by this fraudulent individual. I do not know the status of this loan but they at One Main Financial said that it originated on-line request with XXXX XXXX. I have made no dealings with XXXX XXXX or One Main Financial.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (TX)

Hi I was wondering how do I seek compensation from Wells Fargo for repeated charging my old account back in the day for overdraft charges when I had money in my account at the time.I might would have overdraft for XXXX item but then they would charge me for XXXX items of overdraft. The first XXXX items should have been covered by funds in the account but yet when that XXXX overdraft item hit they would charge all items with overdraft charges. I inquired many times with them why they charged me overdraft for items when there was enough money in my account to cover those charges. Their answer was because they clear transactions when the merchant sends the transaction confirmation not when I charged the item which was ludicrous to me.
Consumer complaint received 2022-12-21
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. (TX)

N ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 


XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 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 have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX dispute XXXX XXXXXXXX i have tried several times to get your company to follow the law/ every validation your company has foward me has a purchase of debt mailing to a XXXX XXXX XXXX about 5 to six months while XXXX XXXX. under the law any company that is to make a negative remark on my credit report must make contact with me bi phone or bi mail before taking a negetive remark against me to allow me to access my right to validate or dispute the debt. on this despute i provided your company with a disposition from the court on XXXX # XXXX which is public record and i had to go pay for the record to show you i was XXXX  in XXXX of XXXX so if you didnt obtain this so called debt until XXXX and XXXX of XXXX  how can you have made contact with me. you are falsely claiming i owe you money when i have never entered into any contract with your company or allowed your comapny access to my private protected credit information. your company is un ethical and is illegally making negetive reports against me. please publish all investigations and resoning for validation alonjg with how you legaly obtain my credit information. i am going to be contact a lawyer to see if we have any further actions i can take against your company.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (IN)

I deposited XXXX checks a month ago into Regions bank. XXXX check was from a car delearship for {$400.00} and the other was from XXXX XXXX XXXXXXXX for {$0.00}. The {$0.00} check was returned on my account because I had not noticed it was expired. So the bank decided to close my account. The {$400.00} check went through with no trouble yet they are still refusing to give me my money. It has been one month since I have not had access to these funds. I have asked repeatedly for them to send me the balance in my account like they said they would weeks ago. I do not have specific dates because they also locked me out of my online banking feature.
Consumer complaint received 2022-09-19
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. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX ( Original Creditor : XXXXXXXX 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.
Consumer complaint received 2023-02-15
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. (TX)

n accordance with the Fair Credit Reporting act XXXX  Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (SC)

Arbitrarily being charged late fees when payments were made to cover late fees in the past. Wells Fargo is charging me a total of {$360.00} in late fees now although I have already paid all of the late fees throughout/during the life of the loan. I think this is a way of the company trying to steal my money. They can not justify that I have not paid the late fees after I demonstrated through all of my payments that I paid the late fees every time I caught up on my payments. 

After all these years they are trying to say that I owe these late fees and can not prove that I did not pay them. This is now causing hardships for me and I have XXXX children with XXXX and I am not able to keep disputing this with Wells Fargo!!! This is impacting my health.
Consumer complaint received 2023-03-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

XX/XX/XXXX Good evening, First of all, I took out a Home Equity Loan around XXXX of XXXX with XXXX XXXX XXXX XXXX. Another Servicer took over the loan by the name of Nationstar/ Mr. Cooper . I wasn't notified from XXXX or Nationstar/Mr. Cooper about them taking over my Home Equity Loan. From what I gathered about Nationstar/ Mr. Cooper , they didn't even exist until XXXX. I fell behind with my payments due to the death of my Husband. Shortly after the passing of my husband, my daughter had to have XXXX  XXXX on both of her XXXX. I couldn't work because, I had to care for my daughter after her XXXX and then, my daughter was diagnosed with an XXXX XXXX, which is a lifetime condition. This XXXX XXXX causes a lot of Therapy, hospitalization, Psychological Therapy Treatments and other Treatments. I couldn't work due to having to care and transport my daughter to and from her doctor 's appointments. I've tried working with Nationstar/ Mr. Cooper concerning, my Loan, of course they gave me a hard time. I had to file bankruptcy to protect me from loosing my home. I fill like, I've been defrauded since, they took over the loan. XXXX of XXXX, I was hospitalized with XXXX. Before I was hospitalized, I had a realtor representative who, was working for me on a short sale with Mr. Cooper, the first buyer backed out. My realtor had to search for another buyer. My realtor found another buyer to purchase my house. I had to be hospitalized again in XXXX of XXXX for a XXXX XXXX. My realtor was communicating with a representative with Mr. Cooper while I was trying to recover from my XXXX in the hospital. Suddenly, the communication between my realtor and Mr. Cooper just completely stopped. My realtor informed me that, the representative who she was communicating with about the short sale, wouldn't talk to her any more about the short sale. I tried reaching out to Mr. Cooper to let them know that I was in the hospital. They didn't seem to care. Mr. Cooper told me that, I couldn't get another short sale. The amount that they stated I needed to pay is, more than what my house is worth. They, tried to foreclose on my house on XX/XX/XXXX. I had to file bankruptcy in order to save my Home. Since, the bankruptcy got dismissed, now Mr. Cooper is trying to foreclose on my home on XX/XX/XXXX. I feel that, I haven't been treated fairly. I was only allowed one loan modification, when actually I should have been allowed two additional loan modifications. Please investigate this matter for me. 
Thank You.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

5 third Bank charge so much in overdraft fee ive been overdraft XXXX days and i went from over drafting in the amount of XXXX now i owe XXXX dollars in over draft ive paid multiple overdrafts with fifth third they have told me the system has not updated and thats why when you paid the fee it hadn't updated in the system that's why i got charge ive been with then for XXXX months and have paid over XXXX in ovetdraft fees with overdrafting in small amount
Consumer complaint received 2023-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2022 and 60 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was out of the country since XX/XX/2021 and could not return due to XXXX. When I returned a few weeks ago, I found out my bank XXXX no longer exists in American and I involuntarily banking with Citizens bank. I wasn't able to receive any notifications because the country that I was in block websites like XXXX and XXXX where I have my emails with. The bank product that Citizens assigned me without my consent is so awful, not only that no interest is given to me, they stole my money by charging me maintenance fees and service fees, while there was no service provided. The bank frozen my money, after I reactivate it, they only refunded a portion of the fees. I am at XXXX fault and I do not consent to any of the fees nor the account type that they assigned, but the bank just kept saying " this is bank policy '', and refuse to be fair and reasonable.
Consumer complaint received 2022-09-20
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. (SC)

I have sent a debt validation letter to XXXX XXXX and each time the company has failed to validate my debt. Instead the send a list of my medical records, which i know is a direct violation of the HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete all this information from my credit profile and cease all collection activities immediately. 

XXXX XXXX accounts {$130.00} and {$950.00} XXXX- XXXX account {$950.00} Experian- XXXX account {$950.00}
Consumer complaint received 2023-03-31
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, Dept of Ed/XXXX Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX Account XXXX XXXX XXXX Dept of Ed/XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, Reference # 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.