davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-28
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

Toyota Financial Services ( TFS ) allows its customers to pay online or by phone. I have repeatedly made payments online since I obtained this account. The website even allows you to set up dates for future payments or payment arrangements. My complaint : once a payment date is selected, TFS continues to repeatedly call my phone -- every day and every hour on the hour! I receive email documentation that the payment arrangement has been made and I can even see online that it is in progress or pending, yet these idiots keep calling me repeatedly -- even when I tell them that a payment has already been set up or arranged online. Then the representative responds -- '' let me check the system to see. '' Duh??? Well, they should be checking BEFORE they dial my number!!!! This is happening EVERY DAY and EVERY SINGLE MONTH and I want it to STOP! The PAYMENT HAS NEVER BEEN 30 DAYS LATE, so technically, TFS is not even in a position to report it to a credit bureau as such, so I do n't know why they can not update their payment and calling systems and stop calling customers to death -- particularly after a payment or payment arrangements have been made!
Consumer complaint received 2023-05-26
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. (AZ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
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. (IL)

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2020-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stallings Financial Group, Inc. (AL)

I sent a letter to Stallings Financial Group requesting that the company validate the debt with XXXX XXXX XXXX. I asked that the company send me the original contract, the contract between Stallings Financial Group and XXXX XXXX XXXX, documents showing that the company is registered to collect in my state and a complete accounting record of the account. The company responded with a statement of charges. A statement does not qualify as debt validation.
Consumer complaint received 2023-06-09
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. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc. (PA)

This company is participating in predatory lending. They have collected fees almost double my credit limit. I asked for a due date change twice they never did it and continued to charge me {$40.00} for being 3 days late every month since I opened the card. I had 2 cards with them first digital and first access.
Consumer complaint received 2018-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

There was a collection account reporting on my credit file with XXXX XXXX XXXX account number XXXX. I contacted the company and agreed to settle the debt. I spoke with the Floor Manager XXXX XXXX and he was the one that approved the settlement. Once I completed the payments they were suppose to zero  out the remaining balance and remove it from my credit report, because again it was a settlement agreement. I watch my credit through a credit monitoring site and when I checked to make sure the account was reporting properly I was floored to see that what they did was take the money they agreed to settle the account and actually just applied it to the balance. On XX/XX/2018 I called the company ( XXXX ) XXXX and was transferred several times before I was able to speak with XXXX XXXX again the Floor Manager, at first he too seemed confused and said that there was money still owed. He did finally remember the agreement and said that the accounts were settled and that he would send me a letter showing they were settled with no money owed and that they would delete them from the credit report. I still have not received that letter nor has it been removed off my credit report.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

PXXXX 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 XXXXXXXX
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX File : XXXX Re : Account : Ally Account XXXX ( Under maiden name, XXXX XXXX XXXX ) To Whom It May Concern : Ally Financial continues to report incorrect information on my credit reports. This was a car loan for a car that was a total loss in an accident and paid by my own insurance, and by GAP insurance provided by the lender. When the loan was paid off, I received an overage check that is attached. This should serve as proof that the account is paid in full, not charged off and should have no late payments since the payoff date of XX/XX/XXXX. 

Please remove this item from my credit report using the attached canceled check as proof of payoff. Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-03
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. (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. 

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.
Consumer complaint received 2020-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, CAPITAL ONE AUTO FINANCE and XXXX  XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I've spoken with numerous reps from the company and they are not accurately documenting that i request no further calls or accurately documenting my account. I've spoke with XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. I've made settlement offers which the refuse to accept even though i'm disputing the account but they still want to collect on the undisputed portion and have no way to validate the current balance. At least during 2 of my conversations, one being in XX/XX/XXXX, I requested no more calls but was told at that time that the company does not honor verbal cease and desist request. I received another call on XX/XX/XXXX, spoke with XXXX, XXXX, and XXXX who confirmed that the company DOES IN FACT accept verbal cease and desist request but claimed that none of my previous conversations indicated that i requested that the company stop calling me but XXXX assured me this would now be documented. I've been given false and misleading information about the companies procedures numerous times and at this point i feel that their communication is abusive and i'm being harassed over such a small debt.
Consumer complaint received 2023-02-01
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. (SC)

There are several things that have happened : XXXX XXXX : On XX/XX/2022, it says that we had a late payment on all three of my credit bureaus. The payment was processed through their portal but it did not go through and I was never notified even though I received a payment confirmation. 

XXXX XXXX  : This account was opened in XXXX through XXXX XXXX XXXX XXXX for a new mattress. I was told that I would receive information on how to pay my bill in the mail. Nothing ever came. I called XXXX at least 3 times trying to get information on how to pay. The automated system would hang up on me because I didn't have an account number, but I didn't know the account number because I never received anything in the mail. They then texted me on XX/XX/2022 to call them to make a payment. Relieved, I called them, made the payment and the money was drafted over the phone. Then they charged me for a 30 day late. They would not remove it on their end and told me there was nothing I could do. 

Multiple Inquiries on my credit report : I tried to get a business loan through an online lender and they gave my confidential private information to 3rd parties who have continually run credit checks on my account. I'm livid. I think there are 30 different inquiries right now.
Consumer complaint received 2020-12-14
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: Santander Consumer USA Holdings Inc. (WA)

On my XXXX  report there is a closed account with huge amount of missed payments. SANTANDER CONSUMER USA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SANTANDER CONSUMER USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I received a notice that I owed a debt from national credit systems. The letter stated that I had until XX/XX/XXXX to dispute the debt. I sent a dispute letter via usps to the national credit systems on XX/XX/XXXX. The letter was delivered on XX/XX/XXXX ( I can provide the tracking number if needed ). I have not received any response from the company at all. Today XX/XX/XXXX I received an alert of a new collection on my credit report. I do not know what this debt is for and I have not been granted the proper response from this company. This is completely unacceptable! 

Here is a copy of the letter I sent previously : Dear National Credit Systems , Inc : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/XXXX and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original credi-tor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2017-04-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MN)

I am paying XXXX a month for my navient student loan ( I have about XXXX that each have a 10 % interest rate ). I have called this loan company many times to try and change the length of the payment. They will not do anything to help. I also have sallie mae student loans which I owe XXXX a month and they will not help with my payment plans as well. I am drowning in student loan debt. I also have federal student loans. I am paying over XXXX a month in student loans and no one is helping me and these private loan companies do not accommodate my financial situations.
Consumer complaint received 2020-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND CAME ACROSS SOME ACCOUNTS ON MY CREDIT FILE THAT DO NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND NONE OF THEM ARE RELATED TO ANY TRANSACTIONS THE I HAVE MADE. THIS HAS CAUSED A HUGE CHALLENGE ON MY CREDIT FILE. IT IS VERY STRESSFUL BECAUSE I HAVE NO IDEA HOW THE ACCOUNTS GOT ON MY CREDIT. I AM ASKING THAT SOMETHING BE DONE TO RESOLVE THIS ISSUE. PLEASE LOOK INTO THIS MATTER AS SOON AS POSSIBLE SO THAT MY CREDIT FILE CAN GO BACK TO ITS NORMAL STATE.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

XX/XX/2020, I applied for forbearance online, I did it again in XXXX, they stated they did not see it on their end. I had to fight to do it over the phone in XXXX. My house sold in XXXX. I was told it would back date since I was having issues applying online and that it wouldnt be recorded on my credit. I am now going through a divorce and trying to buy a house for myself and my kids. They have reported it to my credit. I have spoke with multiple people multiple times who have said it will be adjusted. I stated I needed a letter saying so. They have yet to send one to me. It has been 3 weeks and I have called everyday, some days multiple phone calls. I am going to lose the house. I was told in the beginning to file for forbearance and it has done nothing but prevent me from having a home for my children. PLEASE HELP
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERIFIRST FINANCIAL, INC. (AZ)

AmeriFirst finical XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX To whom it may concern, I am writing this letter as a formal demand for reimbursement of my losses due to poor management of our transaction due to the following reasons our transaction did not close nor did it get handled appropriately Lack of communication After sever emails calls and attempts by my realtor it took him calling another branch to get a response We have several reviews of your company that say the exact same thing Refused to answer simple questions in regards to the transaction Failure to properly timely process paperwork and a response. 
Paperwork was not done in a timely matter causing the transaction to go past the close of escrow date still with no response After many attempts by my Realtor to contact XXXX XXXX and ask when the file should go to underwriting or quality control, we never got a response until after scheduled close of escrow date These are just a few reasons this transaction was poorly managed and why the transaction failed to close or failed to give us proper notice it would not close. I had moved into an apartment from the understanding that your employee would do her job. I waited until after inspection and appraisal my Realtor had contacted XXXX XXXX and asked if she sees any issues with the file and she assured him she does not My expenses are as followed Moving company- {$3500.00} Apartment - {$3200.00} Mortgage payment- {$1400.00} Misc. ( late fees, Interest, additional expenses ) - {$3500.00} In the event you need a breakdown or proof of fees I will be glad to provide Please send the Check or response to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZXXXX  Due to the poor management of your buyers file it has put my family into a finical hardship. If this is not handled appropriately and timely I will file a formal complaint with the NMLS and state. As well as a claim suit Sincerely, XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2016-06-08
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ROC Asset Solutions, LLC (NH)

XXXX XXXX from API called my client, XXXX XXXX, at his place of employment pretending to be an attorney 's office. " XXXX XXXX '' threatened to have my client arrested if he did not immediately pay a payday loan (?? ) which we refused to identify or validate. " XXXX XXXX '' told my client he was " in violation of Federal law. '' Terrified, my client gave " XXXX XXXX '' his debit card information. My client has contacted the bank and may be able to save his money ; however, " XXXX XXXX '' from API has continued his rude, aggressive and illegal collection. " XXXX XXXX '' did have identifying information for my client, which gave some legitimacy to his claims, terrifying my client even further. This XXXX debt collector needs to be shut down before they can scam more money from unsophisticated consumers.
Consumer complaint received 2023-02-02
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!