davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Financial Services does not allow a person to pay additional money towards the principal and applies the money to future payments. A representative stated that a person has to send a separate check to a different address to pay off the principal. This procedure is not mentioned in loan documents or the monthly statement. I find this business practice to be deceiving, unreasonable, and a disservice to the customer.
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcon Credit Solutions LLC (NY)

I have a host of issues with these debt collectors however I picked the attempt to collect the wrong amount about my complaint. On my consumer report there is reported information about of an amount XXXX flat alleged owed however the collection agencies are asking for amounts of XXXX, XXXX and or XXXX federal law states they can not collect ANY amount unless expressly authorized. I have no agreement with this company and I never received any paperwork, no contract anything, that would allow me to validate anything 5 days after since this initial communication was sent to me. Instead I am told I have " generous settlement terms. '' Settlements only happen to avoid suits. All I see is settlements and settle within this notice and I am scared like XXXX? And I can confirm they are trying to scare me into believing this is a legal matter because they put on my consumer report " assigned to an attorney. '' This can't be legal! How can I possibly be sued without this information verified on amounts that are not consistent from two different debt collectors? Yeah one is named XXXX XXXX XXXX XXXX and they are telling me I allegedly owe them money by they said themselves they paid for the debt, so how is that even possible? Then they are telling me to not pay them but pay another company by the name of Acron Credit Solutions LLC. This seems like a scheme to defraud of money I do not owe either company. They have also committed debt parking by placing this false debt on my consumer report saying it was assigned to an attorney. I believe between debt parking and quoting settlements, this was a strong attempt to extort money from me illegally and I am asking for the CFPB to put an end to this situation please. I have been unable to use to extend my credit for the entire year of 2020 and this made it extremely difficult to get a job. I haven't been able to get reliable work because they always check my credit and see this stupid account on my credit report.
Consumer complaint received 2021-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME!

Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2021-06-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WI)

Complaint about promised " new '' revised Line of Credit 10 year loan. Monthly payments and scheduling was promised last year in Summer. My 15-year LOC expired last XXXX and a new 10-year Line of Credit was to rewritten with forwarded new monthly payments by end of summer 2020. I was receiving monthly collection letters starting in XX/XX/2020 with no monthly promised payment plan. My monthly statement in XXXX said I owed apprx. {$3900.00} in back pay with no explanation for amount. I have tried to contact local and corporate management on the issue with no success. Today, I still have no monthly statements for payment so I haven't paid anything. I have spoken to at least 60 people from US Bank who have avoided the issue and not helped me gain a monthly payment plan. Today I am receiving a monthly statement that has escrowed to over {$11000.00}. that they say I owe. I still have no monthly payment plan online ( my account ) with explanation on Principal and Interest per month owed. I have met or spoke to may names ( which I have documented ) since XX/XX/2020 that have not solved this neglected issue and made several promised statements to get back to me and solve this ongoing escalating problem. I could have been making payments since last XXXX if I had a payment plan that was promised last summer. I started a new position last XXXX and could have been on board making payments if US Bank followed up with what several managers and VP 's promised. 

I need to get this resolved ASAP,,,,, this is ridiculous and has gone on way to long. 
I have the billings and names of correspondence that have made promises and never solved anything or avoided getting back to me. 

My credit rating also has suffered because their neglect to solve this major issue. 
Poor Customer service from bottom to top of management chain.
Consumer complaint received 2017-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

I submitted all of the required documents to have my income based student loan to be processed, and then I was told that the person who helped me had made a mistake. And, that I needed to submit more documents because the documents that I had submitted had expired. The process that the company has sent me through is mentally draining. The employees are incompetent and full of wrong and misleading information. My loans are constantly in forbearance because of the rigorous process it takes to recertify my income based loans.
Consumer complaint received 2021-06-18
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: Santander Consumer USA Holdings Inc. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-02-21
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

According to a rep by the name of XXXX with Wells Fargo, two checks issued to myself, sent to old address after I moved in XXXX of 2020 appear to show cashed, in which case they were not cashed by myself. The check amounts not including estimated IRS taxes are {$3700.00} and {$500.00}, issued after I moved, prior Wells Fargo reps refer to address provided as verified and refused to investigate further. Verifying address is not a release from funds owed by Wells Fargo. Further, a signature was required for package with check re-issue, according to XXXX XXXX, rep I was working with at the time. I believe it was supposed to be sent via XXXX, I have not received anything from XXXX since moving on XX/XX/2020, did not sign for anything. A prior Wells Fargo rep, XXXX, refers to signature release which is contrary to what XXXX said. There is no such release.
Consumer complaint received 2021-06-17
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: AMERICAN HONDA FINANCE CORP (NY)

the accounts listed here were reported on my credit report without any authorization, review dentity Theft AMER HONDA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

We were supposed to move into XXXX XXXX XXXX on XX/XX/21 and they did not respond about the apartment being sanitized during Covid 19 Pandemic for the week prior. The apartment smelled like urine, and it was very dirty and was shown to us by a person named XXXX. 

This home is for the safety of our family as we have XXXX children. 

Instead XXXX sent us a bill for cancellation when this is completely their fault for not having a clean sanitized unit for us to move into. XXXX XXXX did not Sanitize the apartment, and I informed them that we can not move in until it is sanitized. I had called XXXX and XXXX numerously during the week and they did not respond at all. Instead of letting us know the apartment was clean and sanitized, they sent us a bill showing " cancelled after approval. '' XXXX XXXX showed us an apartment and misrepresented their services and deceived us into believing we could move in. Instead of sanitizing the apartment they used their companies paperwork to justify the charges on our credit card. 

Our credit card company also did not agree with what happened as we have provided the same information about what happened. Our creditor said that they can not charge you for something they did not provide, which is a clean apartment to move in to. 

These charges are deception, they did not provide us with clean apartment and when we called about it they did not respond the whole week prior, to let us know it has been cleaned/sanitized. We did not even have the keys ot the ability to inspect the unit prior also. 

XXXX had us do all the pre-qualification paperwork and just to steal our money via credit card number, and use their modus operandi to basically steal money from us. 

Currently I have Genesis ( Columbia Debt Recovery XXXX ) harassing us for more money with fees that are unheard of. 

This needs to be investigated as this company is acting criminal. 

They did not deliver and apartment to move into, and are charging us for it? That is FRAUD!
Consumer complaint received 2021-06-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

SPS withheld material information and thus perpetrated a fraud by not disclosing the information provided in Mortgagee Letter XXXX and the fact Sheet : " Biden Administration Announces Extension of COVID-19 Forbearance and Foreclosure Protections for Homeowners '' both published XXXX XXXX. Those documents proclaimed : " Today, as part of the Presidents commitment to deliver immediate relief for American families bearing the brunt of this crisis, ... .announced an extension and expansion of forbearance and foreclosure relief programs. 
These critical protections were due to expire in XXXX, leaving many at risk of falling further into debt and losing their homes. Now, homeowners will receive urgently needed relief as we face this unprecedented national emergency. Todays action builds on steps the President took on Day One to extend foreclosure moratoriums for federally guaranteed mortgages.

The actions announced today will : Extend the foreclosure moratorium for homeowners through XX/XX/XXXX ; Extend the mortgage payment forbearance enrollment window until XX/XX/XXXX for borrowers who wish to request forbearance ; Provide up to six months of additional mortgage payment forbearance, in three-month increments, for borrowers who entered forbearance on or before XX/XX/XXXX. 

Instead of extending to forbearance from 11 months to 18 months as the Biden administration directed mortgage servicers to do, SPS chose to ignore the above declarations by withholding material information that would save homes from foreclosure and instead forced struggling homeowner into a reduced payment scheme ( UP ) that would result in large balloon payment that would cause homeowner to default on there loan and allow SPS to foreclose on the equity rich homes and profit from fees that SPS would collect.
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (NY)

Going through all of this has been a struggle, therefore I am making this CFPB complaint to ask the credit reporting agencies to totally remove the fraudulent accounts and information from my credit file. How many times must I inform the credit reporting agencies that I was a victim of identity theft and that the accounts I am disputing were created as a consequence of this crime? In order to fix my credit file, I have been requesting that the credit bureaus delete any disputed items and provide me copies of any verifications that the disputed goods are, in fact, mine. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Additionally, I have been submitting letters of disagreement to the credit bureaus, along with entire identification proof papers and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting agencies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

Hello, I refinance my mortgage w Home Point Financial Corporation ( HPFC ) in XXXX. I have been paying my mortgage money where paymnt is electronically taken from my back account w XXXX XXXX XXXX XXXX. 

XXXX stated that I did not pay my XXXX 's mortgage. It was reported to the credit agencies and I've been notified that my credit score has dropped over 100 points. We are now nearing the end of XXXX and HPFC has yet to find where my payment went. Countless phone calls and emails w proof of drafted transactions from my online bank statements, and fax of proof from my bank to HPFC all proved useless.

HPFC 's response is, " please give us 30 to 90 days ''. I can not wait 30 to 90 days for I am in the process of searching and buying a second home and has been affected greatly.

Even after I sent them everything I have, including my bank faxing them, HPFC is still emailing me asking for me to provide my check # etc. I TOLD them ut was electronically drafted from my bank acct. My bank and I sent them proof. I question tbe competency of this company and find myself stressing unnecessarily due to the companies neglect. 

XXXX XXXX
Consumer complaint received 2021-06-18
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: Conn's, Inc. (TX)

In XXXX of XXXX, I noticed a collection on my credit report from CONNS Appliances. I immediately contacted CONNS for validation of this account. In the past, I had an account open with CONNS but it was paid off successfully, so I thought maybe the account information was somehow transposed, only to find out that a completely different account existed under my name. After I did not receive a response letter back from CONNS validating account # XXXX, I then submitted a dispute letter to all credit bureaus in which this account was reporting and I asked for validation. After 6 months, still no response. I became stressed because I could not get information on an account that was fraudulently reporting on my credit report. A year later in XX/XX/XXXX, I submitted another dispute only for the credit bureaus to state that the account was " Verified ''. I submitted another validation letter and still no response from the credit bureaus. It is now XXXX and I am still having issues with the credit bureaus not providing validation that the account belongs to me and not removing this erroneous information from my credit report. My next step will be consulting with an attorney and sue the bureaus and CONNS Appliance.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  has violated the Truth and Lending Act XXXX XXXX. Code 1666 - Correction of billing errors and 15 U.S. Code 1666b. Timing of payments. They are reporting late payments and a repossession on my Experian consumer report which is hurting my chances to get approve for credit. I have not received any letters from XXXX XXXX  regarding late payments nor repossessing. This is reported in error.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-06-18
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: TD BANK US HOLDING COMPANY (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

This debt collector is reporting that I owe a debt to them from 2019. I dont have any owed debts to this company and its a violation of my rights for them to be reporting incorrect information to the credit bureaus!
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

On Monday XX/XX/2016, I call Chase Manhattan Bank to stop a Check that I gave to a XXXX, but the XXXX did n't do the Job, after try to contact the XXXX several times without answer, I was trying to stop the payment, and confirm that the check was no cash, When I call the bank the associate confirm that the check was not cash and I gave him the information of the check I was not at home so I only had the XXXX XXXX numbers of the check number but I had the the amount of the check {$6700.00}, and the name of the company ( On the check ) the associate said that the information was enough to stop the check, but besides that Chase Manhattan cash the check. I said several time to the associate if the information was enough and he said yes. Beside that when the check arrived Chase cashed the check and tried to blame me for that, they were not allowed of cash the check after I stoped the pay of the check.