davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

Hello Team, Following up again on my XXXX complaints that I raised earlier : XXXX XXXX Apparently, the complaints were closed and the feedback that I provided was never sent to the company. 
XXXX XXXX made an error again in generating the XXXX XXXX per their communication in response to previous complaint. They have been repeatedly poor at handling this case, and all my issues have been documented in these complaints. 

I am adding my response back in this ticket : The company said : As a result, we mailed a notification to you on XX/XX/XXXX informing you that XXXX had agreed to a settlement in the amount of {$29000.00}. I did not receive notification related to the above statement. As mentioned in my original complaint I had explained the situation to XXXX multiple times during every possible conversation I had with them. I did ask for a transcript or log of all the calls that were made. I am expecting an amount of USD XXXX from XXXX XXXX  as a compensation for the mix up they have done in my case. I am not trying to pull a fast one or take advantage of the situation here. XXXX did go ahead and penalize me for a mistake that was from their end and I was sent for rounds in getting these fixed. ( Raising complaints to XXXX, CFPB, Calls with XXXX to name some ). This has caused a lot of suffering in terms of time, money and XXXX. A meagre USD XXXX does not justify the issues I had to face.
Consumer complaint received 2021-01-15
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. (IL)

Every day I receive email from Experian, addressed to a person by the name of XXXX who I believe has stolen my identity to open accounts that I've already disputed with Experian. It is apparent that Experian allowed a person by the name of XXXX to open an account with my email account to even monitor. I have 250 emails addressed to XXXX in my email. There is an account number also associated with this Experian account. I complained to Experian via phone and mail. Experian comes back with accounts verified ignoring my complaints.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BlockFi Inc (TX)

I am a customer of BlockFi and have a bitcoin rewards credit card and a yield interest account ( which is frozen ). BlockFi filed for XXXX XXXX XXXX  in XXXX XXXX  and has frozen all their customer assets ; I have a balance owed which I can not withdraw of {$1800.00}. I also have a credit card which i continue to pay each month with a current balance of {$1000.00}. BlockFi continue to charge monthly interest on the credit card but have failed to pay the XXXX rewards for the recent purchases. I believe they are violating their side of the credit card agreement and are still punishing their customers, even though I am owed funds and they haven't paid out their assets. This seems unethical that they can still charge interest, but not pay owed rewards or release funds from the interest account, to customers who are already suffering from their bankruptcy. On XX/XX/XXXX I called BlockFi customer service to request they pause interest charge and they stated they would escalate my concern and follow up ; to date I still have not received a response. My ticket numbers were XXXX and XXXX.
Consumer complaint received 2023-06-22
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

My ex husband got a house with me in my name then he XXXX XXXX  me and I moved out and filed for XXXX  and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2024 I reserved a Hotel room at the XXXX website. Chase advertised on the XXXX Website that by applying for the Chase XXXX card I would get {$300.00} + XXXX point credit for applying. 

After not getting the {$300.00} credit and the XXXX points I called Chase and they stated they did not have me in their system and to send them the confirmation number. I wrote to them the same request for the {$300.00} credit and the XXXX points on the Chase website on XX/XX/XXXX. They wrote to me stating that they would be willing to match the offer if I found the confirmation number and sent it to them. 

I found the confirmation code and sent it to them. They refused to match the original offer of {$300.00} or the XXXX points. To date they have only given me {$300.00} and refused to match this with another {$300.00}, or given me the original XXXX points + another XXXX points pursuant to their statement they would match the points as well.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (CA)

XXXX  is an inquiry that is reporting on my account that I did not authorize and is fraud. I contacted EQUIFAX multiple times to report as fraud. I called XXXX and they said this is not a INQUIRY from their company and is falsely reporting on my credit report. I also submitted a fraud alert on Identitytheft.org to no avail. This INQUIRY from XXXX is fraudenlent and should be removed from my EQUIFAX credit report. No one knows where this fraudenlent INQUIRY stems from or can validate where it came from? PLEASE DELETE this inaccurate information from my credit report. The INQUIRY date reported is XX/XX/2022. The type of INQUIRY is XXXX XXXX XXXX XXXXXXXX. There is also no phone number provided. During the dispute process EQUIFAX provided me the phone number for this INQUIRY and I called XXXX and they said this is not there INQUIRY and they did not authorize this INQUIRY. I don't even have a XXXX account. PLEASE HELP!
Consumer complaint received 2023-01-16
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 
See the documents attached.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. This account must be removed off my consumer report immediately. Capital One Allegedly {$4700.00} high balance. XXXX XXXX owed XXXX. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I.C. SYSTEM, INC has continued reporting false and inaccurate information on all three of my credit report. 
Even though they have been unable to validate the debt, they continue to report this false and damaging and inaccurate information on all three of my credit reports.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: GLOBAL CLIENT SOLUTIONS, LLC (NY)

I had requested to close my account on XX/XX/XXXX and the rep told me that the remaining balance will be mail to me. I called on XX/XX/XXXX to check the status of the check and the rep said it was mailed on XX/XX/XXXX and I should be receiving it before XX/XX/XXXX. I called again on XX/XX/XXXX to informed them that I didnt receive my check. The rep told me that Ill need to wait and if I would like to have a replacement check then itll be a fee for it. I was asking the rep if theres any tracking number to see wheres the check. The rep stated that I didnt ask for 2-day express or overnight delivery so she wont be able to track. I asked her what if the check is lost or someone took it, I still need to pay for the replacement? She said yes, this is the only option. It just doesnt make sense that they didnt ask if I would like to pay extra for mailing it with tracking number and told me no matter what Ill need to pay an extra fee for the check. As you can see from the attachments, shipping options was never being offered.
Consumer complaint received 2021-01-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I finally started to look throughly into my credit report and I noted unauthrized and fraudulent accounts posted on my report. I can't even get a credit card of my own because of this. These accounts opened due to identity theft is hindering and I need this taken care of ASAP, this isnt fair. Attached are my identification documents, verification of address, identity theft report, credit report and a list of the fraudulent accounts that were posted.
Consumer complaint received 2021-01-15
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 have been back and forth with this company for some time now. I haven't looked at my credit report in years which I admit is my fault but when I do look at it I am showing 2 credit cards from the same company that I never even heard of until I seen it on my report and researched who they were. I have repeatedly asked them to remove it and if they won't remove it to send me proof. There are 3 of us with the same name and there are people out there that is just not right so I want to see factual information in which they won't provide as well as they won't remove off my credit. Then transunion, I dont even think they are sending it to them anymore because there is not letter with the disputes that are coming back. This is beyond frustrating and nobody should have to deal with things like this.
Consumer complaint received 2023-01-16
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. (WA)

On XX/XX/2022 I received a credit monitoring alert from XXXX XXXX that, there were inquires made on my credit report. Upon checking my credit report, there were 3 credit card related inquires made. I called the banks that were involved to have those cards/accounts disabled. The credit bureau informed me that a formal complain is needed to have those queries removed from my credit report. 

These were the inquires made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion
Consumer complaint received 2021-01-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I finally started to look throughly into my credit report and I noted unauthrized and fraudulent accounts posted on my report. I can't even get a credit card of my own because of this. These accounts opened due to identity theft is hindering and I need this taken care of ASAP, this isnt fair. Attached are my identification documents, verification of address, identity theft report, credit report and a list of the fraudulent accounts that were posted.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Equifax sends letters that there are no such items on my credit report when it is. Please see below. 

I have notified Equifax continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from Equifax & creditors stating the information on my report is accurate when it is not. 

The fraudulent items are : XXXX XXXX XXXX XXXX {$1100.00} and XXXX XXXX XXXX XXXX {$650.00} I submitted legal documents from XXXX XXXX XXXX XXXX on XX/XX/XXXX & XXXX with fraudulent things I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to Equifax on XX/XX/XXXX, via postal service PS FORM XXXX -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt. 

I saw more information after the XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX which was faxed to the number the Equifax Fraud Specialist suggested- number XXXX XXXX pages at the XXXX  store I federally awarded the settlement of my claim of fraudulent information on my credit report from the Equifax Data Breach on XX/XX/XXXX I faxed the award letter ( Equifax Data Breach ) and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, and social security number. Please remove the items : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo reported a delinquency on my credit report which changed my score drastically. They then sent me a letter which I still have apologizing for the inconvenience and saying quote have submitted a request to the consumer reporting agencies to correct or remove negative reporting that resulted from the issue. No further action is required from you. Please note corrections XXXX take longer than 30 days. It has been over 2 years.
Consumer complaint received 2021-01-15
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: Experian Information Solutions Inc. (GA)

XXXX XXXX is reporting a collection account as closed. This CRA continues to validate and allow this company to report this on my report. It is even showing past due. This account is inactive and closed and should be removed from my report. The CRAs and XXXX  are violating the FCRA. Ive submitted an account summary with my disputes and each CRA  is apparently using an e-Oscar system which is not correct. 

XXXX cant even validate the account. The attached letter shows they cant validate the account. I mailed the letter below on XX/XX/XXXX and emailed it on XX/XX/XXXX and I received the attached letter a few days later. 

To Whom It May Concern : I am XXXX XXXX and Im writing regarding the above referenced accounts and transactions. 

This vehicle was repossessed by XX/XX/XXXX GeorgiaXX/XX/XXXXon or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. The first date of delinquency was XX/XX/XXXX. 

Under the laws of the State of Georgia Respective rights of buyer, seller, etc., following repossession of motor vehicle sold under a retail installment contract are covered under Georgia Law, specifically Code Section 10-1-36 of the Official Code of Georgia. UCC 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency and XXXX XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This was originally mailed on XX/XX/XXXX and I havent heard back from you. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (GA)

This information is not listed on my credit report. On XX/XX/XXXX I recieved results from my underwriting I have a judgement or lien against me in the amount of {$8000.00} from a company called Calvary SPV1 DBA XXXX XXXX XXXX. I stated to my lender of never having this account I was then sent a screen shot showing it was a joint account with a name similar to my mother. This information did not come back on my credit report but from a local county dock result.I was not able to locate the findings myself. I further research by call XXXX XXXX whom stated no judgement is against me I would have to submit a request in writing in order to get a documented response, they then gave me XXXX number. I called XXXX XXXX  the first person stated the company no longer has my information only thing was seen is they once had it then she gives me the information for XXXX XXXX XXXX. I call this company at XXXX spoke with a XXXX XXXX, she could not verify my correct information but stated I owe this information due to it being in there system. I stated I wanted a dispute and further asked when would I be hearing from the company. SHe could not give me when but stated it may be today, tomorrow, or anyday. Then she further states I owe over {$8000.00} and I have to pay it. I then call back at XXXX after speaking with some resources I know to get more information which i was told the company should be able to give me. I spoke with a XXXX placed me on a brief hold then automatically transferred me without stating he was transferring me, the results was the phone hung up. I called back again at XXXX spoke with Rashaun again and was transferred to XXXX XXXX speaking to her again I still recieved no answers, she tried to verify my identify again I stated to her your verifying incorrect information to update a system to try to charge me with this debt. I stated this is fraud and asked again about the process of a dispute. She then states I'm being hostile by asking the same question and says I send you an email ( Never received ) and  transfer you to a manager. I was on hold for 47 mind spoke to no manager. I called from another phone while still on hold to find out the company was closed for the day. I hung up at XXXX. Never received a call back even the next day XX/XX/. On XX/XX/ at XXXX I spoke with XXXX he tried verify my information which I told him is incorrect. He stated I owed {$8100.00} I stated to him this not my account and it fraud. He stated since I am disputing there is not a reason for him to be speaking with me. I further stated what was told to me on the prior day and the name. He asked would I like to be transferred I stated no. He stated I wont get a call I would receive a letter stating the result. This again is conflicting information. As I stated to him I want this resolved and removed from my name.
Consumer complaint received 2023-01-16
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. (DE)

On XX/XX/XXXX I contacted Equifax XXXX to inform them that I did not authorize inquiry from XX/XX/XXXX which was showing on my credit report. Company stated they could not find my information and they could not help me.
Consumer complaint received 2023-01-16
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: Credit Karma (MO)

My credit report was accessed through Credit Karma by someone other than myself XX/XX/22 and XX/XX/22 and was traced by to an email address than was not mine. 
Since then lenders have done account inquiries ( soft ). I am concerned that the person is trying to obtain financing using my financial information. I contacted Credit Karma via email but have not heard a response.
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (IL)

I checked my credit report AGAIN and it appears that Equifax has reported an item, namely a Bankruptcy. I have reached out to the Circuit Court of XXXX  to find out if they reported a Bankruptcy, they did not. I checked XXXX  XXXX XXXX and it does not exist on either bureau. On the credit report it shows that XXXX XXXX was the furnisher of the item. My XXXX XXXX report has been SUPPRESSED since XX/XX/XXXX and is still in force. I've already filed a report with the FTC regarding erroneous, unverified, and inaccurate reporting. I do not understand what is going on with the bureaus, but they are either not verifying the method in which they've obtained any of these items. They are also CLOSING OUT DISPUTES WITHOUT HAVING PERFORMING THEIR DUTIES TO CONSUMERS. They are only UPDATING ACCOUNTS without answering disputes or sending correspondence. It is COVID 19, people are suffering, laid off jobs and are short on food and funds. The bureaus have been granted leniency with taking long periods of time to respond to consumers. They are not sending out updated credit reports for months at a time. They are misreporting items and placing consumers in horrible positions. I've filed an FTC Report, my next step will be The Attorney General of the State of Illinois.