davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
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. (TX)

I sent a letter to all 3 credit bureaus asking to have the information verified that is being reported on my behalf. All I received back was a letter stating that the information has been verified with no proof. I received a letter in the mail from XXXX XXXX XXXX showing the date of my contract, which shows XX/XX/2017, but the credit reporting on my behalf shows that the account was opened on XX/XX/2017 which is incorrect. The balance due/surplus after sale is {$3600.00} however the reported balance on my credit report shows that the balance is {$5500.00}. This inaccurate information is a defamation of my character and I am extremely concerned with the handling of my information.
Consumer complaint received 2021-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I sent a cashier check to toyota financial on XXXX via us postal service using certified mail in the amount of {$10000.00} to po box XXXX, XXXX XXXX iowa XXXX. As of XX/XX/20 they have not process the cashier check and it is worrisome. They are providing me with different turnaround timeframes from XXXX business day to XXXX business and even XXXX business days. I submitted a complaint with them with reference number XXXX with operator ID # XXXX. 
I am attempting to pay off car loan right after they cash the cashier check of {$10000.00} ( principal payment only ) but unable to pay the remaining balance until they cash the {$10000.00}. In addition, daily interest is adding daily which. 

I want to ask Toyota financial to cancel off any additional daily interest from the date of XXXX present because my personal bank will be making a final payment on the remaining balance after the {$10000.00} is process. 

thank you, XXXX XXXX XXXX
Consumer complaint received 2021-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, MN XXXX To : The XXXX XXXX XXXX XXXX for RMP LLC From : XXXX XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature. XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by XXXX mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for XXXX damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 



By : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-20
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)

On XXXX XXXX 2021 I received a letter in the mail from Capitol One stating they were closing my account because of activity on another account is not consistent with their expectations for account usage and violations of capitol one customer agreement.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO has been reporting a collection on my account in the amount of {$500.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MD)

Been receiving calls to collect debt that I owe to Synchrony Bank, decided to call them to have them stop calling me late in the evenings. Since I've made that call, the past 2 days I receive calls where I decline and it immediately rings again. I have received over 150 calls in 2 hours!! I had to place my phone on Do Not Disturb just so my work would not be interrupted. They said they have no record of this happening and but they will try to investigate into this further, I already have screenshots and videos of them calling be repeatedly. This is something I have never experienced before in my life.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681section 602 states I have the right to privacy. 15 usc section 604a section 2 - It also states that a a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Reports on XX/XX/2023 to XX/XX/2023 on XXXX Capital One accounts.
Consumer complaint received 2021-12-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY 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
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have ttried to fix this problem on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
This problem started when my credit fell from XXXX to XXXX with Equifax and XXXX. This egrigious error was either caused by a clerk or management. Intentionally or unintentally, it borders on criminal misconduct and may be subject to a lawsuit in the near future. This problem should have been corrected by now. I will also file a duplicate report with the U.S. Attorney General to look into possible criminal mischief.
Consumer complaint received 2024-04-18
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: Experian Information Solutions Inc. (TX)

In XXXX XXXX XXXX I terminated the lease of my XXXX XXXX with XXXX XXXX XXXX XXXX. I paid all the dues by XXXX of XXXX except for their " estimates '' for property tax. The problem is I reside in Texas and there are no such taxes for vehicles for private use. XXXX failed to produce an official bill from the state of Texas, or from my county. They persisted in keeping the charges and then labelled my account as a charge off. I am attaching evidence of having paid all dues besides the estimated tax, and the bogus document that XXXX cited as proof of taxation by state, that does not have a single reference to me or the vehicle I leased. 

I shared this evidence with XXXX, XXXX and Experian. XXXX and XXXX immediately deleted the account. Experian failed to do so despite trying twice. I have no confidence in Experian 's ability to objectively review evidence and reach the right conclusion.
Consumer complaint received 2024-06-12
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX To Whom it may Concern, I was notified by a collection agency by email which they posted on my credit report by an unknown credit company from the company listed above requesting me to pay amount {$290.00}. By email, I asked them to validate this debt by sending the government photo that was submitted with the rental application which is a requirement by every rental landlord from each applicant which is a requirement for identification verification purposes, they refused to send me. This has been badly affecting and hurting my credit report which was posted by this company. I will be glad if proper investigation is taken concerning this matter so I can be able to have my life back on track. 

Thanks for your cooperations XXXX XXXX.
Consumer complaint received 2021-12-20
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. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2019-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (FL)

See attached BMO Complaint for easier reading. 

Opened a new checking account and a money market account with qualifying activities and am entitled to a {$500.00} bonus. The company will not pay the bonus, saying the direct deposits do not count as qualifying transactions. With this I disagree. The details of the activity and offer are as follows. 

*Offer 1 : Get a {$400.00} bonus when you open a new BMO Harris Smart Money Account , BMO Harris Smart Advantage Account , or BMO Harris Premier Account and complete the following steps : 1 ) Have a cumulative total of {$6000.00} in direct deposits of a paycheck, pension payment,  Social Security payment, or other government benefits payment electronically deposited into the account from an employer or outside agency within 120 days of opening. We reserve the right to request documentation that the direct deposits qualify. 

1. XX/XX/XXXX -- XXXX ACH DEPOSIT -- Payroll From XXXX  XXXX XX/XX/XXXX -- XXXX ACH DEPOSIT -- Payroll From XXXX  2 ) Enroll in BMO Digital Banking and set up paperless statements within 120 days of account opening. You must still be enrolled in paperless statements when the cash bonus is credited. 

Done 3 ) Have at least 10 qualifying transactions post to your account within 120 days of account opening. Qualifying transactions include ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. 


1 XX/XX/2019 {$100.00} ACH DEPOSIT 2 XX/XX/2019 {$50.00} ACH DEPOSIT 3 XX/XX/2019 {$50.00} ACH DEPOSIT 4 XX/XX/2019 {$50.00} ACH DEPOSIT 5 XX/XX/2019 {$50.00} ACH DEPOSIT 6 XX/XX/2019 {$50.00} ACH DEPOSIT 7 XX/XX/2019 {$50.00} ACH DEPOSIT 8 XX/XX/2019 {$3000.00} ACH DEPOSIT 9 XX/XX/2019 {$3000.00} ACH DEPOSIT 10 XX/XX/2019 {$3000.00} ACH DEBIT
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

I have sent letters to Equifax for 6 months asking them to investigate and remove incorrect information from my credit report. They have ignored every letter I have sent. They violate the Fair Credit Reporting Act.
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (CA)

Transactions that were taken out of my account that wasnt authorized by me and when I contacted the bank doing the time frame, I was told the charges that it wasnt on my account. {$2600.00} meta ( XXXX ) and {$310.00} ( XXXX XXXX XXXX ) XXXX. XX/XX/XXXX {$98.00} XXXX XXXX. XX/XX/XXXX {$120.00} XXXX XXXX. XX/XX/XXXX {$620.00} XXXX XXXX. XX/XX/XXXX {$350.00} XXXX XXXX. XX/XX/XXXX {$600.00} XXXX XXXX. XX/XX/XXXX {$400.00} XXXX XXXX. XX/XX/XXXX {$250.00} XXXX XXXX. XX/XX/XXXX {$88.00} XXXX XXXX. XX/XX/XXXX {$170.00} XXXX XXXX. XX/XX/XXXX {$98.00} XXXX XXXX. XX/XX/XXXX {$98.00} XXXX XXXX. XX/XX/XXXX {$40.00} XXXX XXXX. XX/XX/XXXX {$40.00} XXXX PNC Bank denied all these claims stating that they were beyond the time frame. I contacted them doing the time frame but they stated that I didnt have these on it. I need my money back.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (CA)

im submitting this dispute for the unfair and inaccurate information BMW SERVICES is reporting to the reporting agencies. they are reporting different monthly payments as well as different dates for " DATE LAST ACTIVE ''. im reaching directly to the furnisher as I have already tried to dispute the inaccuracies with the credit reporting agencies and nothing has been done. I am demanding BMW to be removed from my credit report immediately for inconsistently reports and lack of integrity of the account. According to 12 CFR 1022.42 each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2019 I received a 6 month defer interest loan, which I paid in its entirety 
On the XX/XX/2019. eight days prior to the statements due date of the XX/XX/XXXX. 

Few days ago, I see an email with a new invoice of $XXXX   stating that those were the interest charges on the account that had accrued.

Two months prior to this I requested an extension as I believed that 6 months for a XXXX XXXX dollar loan was a bit overwhelming. 
Nevertheless I was denied.
Customer representative said that if I paid before due date I would not include any charges,  he did not mention that I had to pay by the sixth on the final month.

When I asked another customer representative 
Why there was a difference in due dates, he said that that was a grace period.
So if it was a grace period , then why a I being charged interest on my account. 
It was 0 interest for six months
Was paid before the last billing cycle that according to them is the XXXX  of every month. 
I called to many of their "customer care"reps, and "supervisors ", without being able to get help revercing the charges.
Consumer complaint received 2021-12-20
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. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (TX)

They must have a case of mistaken identity. I am a Silver Member of XXXX XXXX 
XXXX XXXX # XXXX XXXX ( current tier through XX/XX/XXXX ) XXXX points to date as of XX/XX/XXXX My account is clear and free and I have spent {$1000.00} 's. in rentals. 

Feel free to call the manager at your XXXX XXXX location to verify any of this comunication at XXXX. 

Thanks, XXXX
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Mortgage company is inaccurately reporting late payments during forbearance/modification process My mortgage was sold to a different company while I was on a covid forbearance plan. The new company immediately reported the loan as over 180 days past due. They admitted it was a mistake and said they did it to a bunch of clients by accident. However, its not been fixed. In fact it was reported a second time and has taken my score from an XXXX to a XXXX. I was planning to buy my daughter a car for her bday in 2 weeks and now I cant. I have disputed it but it is still processing. 
Timeline : First notification of negative reporting received XXXX XXXX. They told me it would be fixed and that it had happened to a bunch of their customers. 
XX/XX/XXXX I called back because it was still not fixed. They said it had been fixed on the XXXX ( the day before ) but then said they send the batches of corrections on fridays, so it would be updated by XX/XX/XXXX. 
On XX/XX/XXXX, I received a notification that it was reported late again and my score dropped even lower and it still remains showing late on all 3 credit reports. 
I called again today, XX/XX/XXXX, and spoke to XXXX XXXX, he again said they fixed it on the XXXX but didnt know why it was reported late still. He tried to help but didnt really have any answers. He escalated the issue and requested an email be sent to me stating it was a reporting error but that the email could take 30 days to receive. 
They have destroyed my credit so badly that I cant do anything. I had excellent credit and no late payments before. It has also done the same thing to my husbands credit since this is a joint mortgage account. 
I asked this question on XXXX and an attorney said it would be a good class action lawsuit. I just want my credit fixed they have literally caused me to put a hold on all my financial plans. The company name is Community Loan Servicing, LLC