davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (DE)

I held two separate accounts with Toyota Financial Services. One account encompassed a lease for a XXXX XXXX, while the other involved a lease for a XXXX XXXX. The XXXX lease was entirely settled on XX/XX/XXXX, and the XXXX lease was similarly paid in full on XX/XX/XXXX. Despite these complete payments, XXXX proceeded to label our accounts as delinquent to XXXX XXXX XXXX. Consequently, both my wife 's and my credit scores experienced a substantial decline of XXXX points. 
I diligently submitted all necessary documentation to XXXX via their web portal, and I even engaged with their representatives on two separate occasions ( early XXXX and XXXX ). Regrettably, XXXX has yet to rectify the erroneous impact on our credit ratings. I kindly request your assistance in resolving this troubling matter promptly.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (HI)

About a month ago, I made a transfer through XXXX from my Citibank checking account to another one of my accounts. I believe this prompted a security alert that has made it impossible for me to access my account. I have tried to verify myself with Citibank by providing my bank balance, my social security number, the last four digits of my checking account, the reference number on a letter sent to me by Citi, and my card PIN. I believe the problem stems from that my phone number has changed and they can not verify me to that old phone number. I recently XXXX XXXX XXXX XXXX XXXX, and when I did, I called Citi to have my phone number changed to my new number. However, Citi told me it was impossible to change to a non-US number and assured me it would not be a problem to keep my old number associated with my account, even though I didn't have access to it anymore. 

Citibank has my life savings and has not let me access it for over a month. I just want my money at this point. 

Barring one office for corporate clients, there is no Citibank in the country where I am living ( I have tried to approach their corporate office and they rejected seeing me ). And even though I am back in the US for the holidays, the closest Citibank is a long plane ride away. I just want my money. PLEASE HELP!!!!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to request your compassionate consideration in removing the late payment entries on my credit report, which were directly attributed to the unprecedented hardships I faced during the national XXXX pandemic. 

Like millions around the globe, the pandemic significantly impacted my financial stability, hindering my ability to meet my financial obligations on time. During this period, I endeavored to manage my finances to the best of my abilities, prioritizing the well-being of my family and striving to stay afloat amidst the turmoil. 

The unexpected job losses, reduced hours, and the overall economic downturn caused by the pandemic placed immense pressure on my financial resources. Despite these challenges, I have since made a steadfast recovery, ensuring that all my bills are paid promptly and maintaining a responsible financial stance. 

I kindly request that you consider the extraordinary circumstances that led to these late payments. The removal of these entries from my credit report would significantly alleviate the lingering burden my family and I continue to bear, offering us a chance at financial recovery and stability. 

I understand the importance of credit obligations and take full responsibility for my financial health. Since the challenging times of the pandemic, I have demonstrated a consistent and timely payment history, reflecting my commitment to financial responsibility. 

I respectfully ask for your understanding and favorable consideration of my request. Removing these late payment entries will not only significantly impact my life and that of my family positively but also accurately reflect my current financial responsibility and commitment to upholding my obligations. 

Thank you for taking the time to consider my request. I am hopeful for a positive resolution.
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My concern is why there is a discrepancy in the information that these companies use to create you FICO score. Ex. XXXX XXXX with XXXX is 6 yr. 1 mo-Trans 4 yr. 3 mo. 
Credit Card use XXXX is 5 % -Trans is 7 %. Hard Inquiries XXXX  is 1-Trans 3. Total accounts XXXX is 33-Trans is 27. Shouldn't this information be the same? There is quite a gap in the FICO scores as well. XXXX  is XXXX and Trans is XXXX. 

I hope you can help me with this. 

Thank you, XXXX
Consumer complaint received 2023-02-12
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)

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. 


XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX. 


Account name XXXX  Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX  Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Closed Account info Account name XXXX Account number XXXX Account name XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2019 synchrony bank deliberately committed fraud sending me l letter saying my credit score was XXXX and approved me for a card at 24.49 % I believe this is a predatory lending practice based on my race and not even acknowledging my real credit score of XXXX the lowest of all three credit reporting agencies
Consumer complaint received 2020-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TN)

On XX/XX/2020 XXXX XXXX received a dispute from me regarding an alleged debt that I owe. They bought a debt from XXXX XXXX who claims that I owe {$1500.00}. I've never had an account with XXXX XXXX, therefore I don't owe anything to that company. I asked XXXX XXXX to provide documentation that proves this debt is mine. They could not. They sent me 7 pages of documents in which NONE bared my signature. There were pages that had my name typed in but nothing that shows where I signed. That is because I never signed anything and this claim of debt is completely erroneous.
Consumer complaint received 2020-01-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Radius Global Solutions LLC (IN)

Well first I told them not to call me at work. They have called me in a Sunday at XXXX. They also call me after XXXX which by law they are not suppose to. They also have never identified their company or the fact that they are attempting to collect a debt which by law they are suppose to do so as well.
Consumer complaint received 2018-03-05
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. (MA)

I am writing to request that Transunion update an inaccurate account on my credit report. An investigation was conducted into the inaccuracy of XXXX ( Acount:XXXX ). Transunion has failed on 6 occasions to investigate, and correct the inaccurate reporting of the late payments that are appearing on my credit report. On XX/XX/XXXX I received a letter from Transunion, dated XX/XX/XXXX, stating that this account had been verified and updated, but no changes were made. This negligence has caused my credit score to drop dramatically, because this account is reporting previous late payments when in fact it was NEVER late. I contacted XXXX in order to conduct my own investigation. XXXX corrected the inaccurate delinquencies and updated my account. Attached, you will find a letter that clearly states that the account is paid, closed and that ALL inaccurate delinquent reporting has been removed and replaced with ALL on time payments. 

They also stated that they sent you and updated on XX/XX/XXXX. Please review the attached letter, and update this account. I will be monitoring this closely, as this should take no longer than 15 days to correct. I would also like for an updated, corrected credit report be sent to me within 30 days.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (PA)

On Monday morning XX/XX/2022 I returned to my car to see that it had been ransacked and my wallet was robbed. The last time my wallet was in my physical possession was XX/XX/2022. I had received messages on my phone saying that there were charges made on my card, these charges occurred while I was asleep and didnt see the messages until i woke up. I immediately talked to Ally support to let them know and made reports that all the charges that occurred on XXXX  and afterwards were fraudulent. I also told them to not let any more charges through and froze my card. A couple months later they locked my account and I received a letter saying that I was responsible for the charges because it was " in the same geographical area ''. Of course it was, they had stolen my physical wallet. Now I have received a letter threatening to take me to collections for the amount these people stole. I did everything to inform them that these charges weren't me and ordered a new card the same day and still they do this. It is not legal, I am not responsible for the charges some theives made on my card as I did nothing wrong and immediately reported it to Ally. I am not even able to access the account to attach screenshots because they have locked me out.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (IL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-24
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. (MI)

Please remove the late payment remarks that is being reported on my credit report. This is unfair on how I work my XXXX day and night just for you to report this inaccurate accounts.
Consumer complaint received 2020-01-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$1000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2020-01-14
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$1000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

2. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2023-12-29
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

JPMorgan Chase Bank, N.A XXXX XXXX  XXXX, XXXX, DE XXXX Dear Chase Bank, Credit Card ending XXXX I am Chase Private Customer ( XXXX ) and Investment Brokerage ( XXXX   ) account holder. 
I have a low credit line on my credit card.I requested credit line and got denied due to low income. 
My credit score XXXX XXXX  - XXXX  XXXX - XXXX   XXXX as at XXXX Please reconsider my credit limit increase request Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ID)

There is an error of the reporting of my account onto the Experian and XXXX  Credit bureau. I have disputed the account asking them to do a full investigation of the account multiple times but they have failed to do so and fully validate the debt as it is still reporting on my credit report. They are not following the guidelines of the FCRA in needing to fully investigate the item they are fully reporting onto my account and if that Is the case and they are incorrectly reporting and not following the guidelines to delete I ask that they delete the account on my report as it is hurting my credit score that they are not reporting correctly. 

I have disputed this multiple times in the last 3 months due to seeing the error on my account. Experian now says it is a frivolous dispute. The last dispute I did with them this month they said the company certified that it is correct. The investigation from my understanding is the credit beau is suppose to be doing the investigation not just calling the creditor.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (TX)

The following credit inquiries are not authorized by me and In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right. 
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 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (WY)

I have tried numerous times to get a debt off my Credit report for the last 5 years! First and foremost, I am sure I paid it in full, then the company turned around and proceeded to send me to a collection. I paid the collection company, as you will see on the attachment, and they still after 5 years do not remove. 
I get in my mail in XX/XX/2014 that the Company has turned me over for Collection. I call and try to talk to this company which only collects a debt! So, if the debt is paid before a certain date the amount to be paid is lowered. I could not and would not spend another ounce of my energy on this so I paid it. Did the Credit Reporting or the Company take off my credit report. NO, they did not. Is this fair, it is not to me, and specially after 5 years.
Consumer complaint received 2020-01-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

XX/XX/1920 - I apply for and receive a {$1000.00} loan from XXXX XXXX who state my credit score is XXXX. A week earlier, WELLS FARGO BANK refused to refinance my home, stating my credit score is XXXX and below the XXXX credit score they require. I asked WELLS FARGO BANK to reconsider their decision, but they refused to. At WELLS FARGO BANK in XXXX XXXX, WA, I applied to refinance my home and was shown the terms of that refinance.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (TX)

The following credit inquiries are not authorized by me and In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right. 
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