davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Improved Data Services LLC (CA)

On XX/XX/2018 and XX/XX/2018 - I received a robo call from the debt collection company identifying as Improved Data Services ( IDS ). Although XXXX appears to have sold the debt to XXXX XXXX XXXX , XXXX and would be handling the matter as of XX/XX/2018, IDS claims to have received my information on XX/XX/2018. After following the prompts and trying to figure out why I was being called, the representative XXXX called and told me to " cut the attitude '' mind you, this is an unsolicited call to my job by people trying to verify who I am but called me. She was rude and said ( since I have an attitude ) " blah, blah, blah, we'll just continue to call you at work! '' She then hung up on me, called back from a blocked number and just proceeded to breath into the phone and not say anything. This is in direct violation of 15 USC 1692d Sec. 806 ( 5 ) of the FDCPA. I called the number from the initial phone call XXXX and spoke with XXXX XXXX, who told me to " focus and get back to the basics '' she said XXXX was seeking a judgement against me and they were trying to settle the debt. I have received no correspondence from XXXX indicated there is a judgement. I explained to XXXX that I am aware of my rights and work for a law firm and the sheer fact that she is mentioning a judgement ( without an actual judgment in place ) is in violation of the 15 USC 1692e Section 807 ( 13 ), which states " the false representation or implication that documents are legal process. '' She stated " it's not harassing, I've been a debt collector for 16 years. How long have you been a debt collector? '' At that point, I had enough of the harassment and hung up. 

As of XX/XX/2018, IDS is continuing to call my job.
Consumer complaint received 2022-10-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

My Vehicle was involved in an accident back in XXXX of XXXX while the car was in the shop getting repaired we had a rental car for 30 days that was covered by the insurance company. 
we were advised by the repair shop, that the repairs were delayed due to XXXX 's delay in sending the necessary parts to the repair shop. I contacted XXXX to expedite the parts but they didn't. the car spent over 4 months in the shop and I was forced to keep my rental car as I have XXXX kids and job I have to get to and not having a car was not an option. 
I spoke with XXXX XXXX XXXX for a reimbursement of the rental fee which they said they would do. they asked me for the pertinent paperwork and I submitted all the necessary paperwork right away, the paperwork showed the XXXX invoices from the car rental company, the credit card statements reflecting I paid for the rental out of pocket. 
I also submitted a XXXX per XXXX 's request when they told me they were going to reimburse me for the XXXX invoices. 
months later when I called to follow up since I did not receive payment I was advised that the claim was denied. then that I had a free will but only for partial payment. in XXXX of XXXX ( 9 months after the initial claim was made ) I received a check for only XXXX of the invoices I submitted, conveniently, the lowest of the XXXX invoices. 
I have been calling XXXX every week for the past XXXX weeks and they keep telling me they are escalating the case but I never receive a call or an e-mail. in addition they tell me that there is a " good will '' on my account and I should be getting the reimbursement in a few weeks, then I call again and they don't have a record of that conversation. This is absurd! a company like XXXX XXXX should be more responsible with their consumers and clear with their message. I am {$2100.00} in debt with my credit card for charges that were accrued because of XXXX 's inability to provide parts. 
I need someone to help me make mw whole as I still believe XXXX should reimburse me for this. I have spent countless hours on the phone with them with a different story every time I talk to them. I feel cheated and abused!
Consumer complaint received 2022-10-27
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 — Problem with personal statement of dispute
Company: Lawson Hamilton & Associates (IL)

I contacted XXXX and XXXX to the validate a medical debt that was on my credit report. I sent both companies certified letters requesting them to do so and they failed to send me any documents to show validation of this debt. I asked them to please remove the debt because this is a violation of hippa law and they have yet to do so.
Consumer complaint received 2022-12-23
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I have recently filed a complaint with you about my name isn't right on my Equifax credit report. The response from them was it was corrected. That's not true. Because it's still wrong on my XXXX XXXX 2022, credit report. Thid refusal of not correcting my name on my report is doing damage to my credit, my name and it's making difficult to obtain funding for the mortgage that I'm trying to get.
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (CA)

Dear THE BUREAUS, I am contacting you regarding The Bureaus collection account reported to my credit reports. Please note, I do not have any responsibility for the debt youre trying to collect or its been more than 7 years since the original delinquency date, in which case your account should not be listed on my report. If you have good reason to believe that I am responsible for this debt or 7 years have not yet passed since the original delinquency date please supply the information regarding my debt and original delinquency date so that I have all information.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Service Finance Holdings, LLC (IN)

Paid off home improvement loan in XX/XX/2019 and credit report is showing late in XX/XX/2019 and failed to pay in XX/XX/2019. I contacted Service Finance and was notified since loan is paid off there is not they can do. I disputed claim with no resolution. I have attached letter for Service Finance stating loan was paid in full in XX/XX/2019.
Consumer complaint received 2022-04-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: JPMORGAN CHASE & CO. (IA)

I set up ACH to automatically make my lease payment on time every month. After XXXX consecutive on time payments, Chase cancelled the ACH without notifying me. When the last lease payment went delinquent, they didnt even attempt to communicate with me in any way no calls, no letters, no Emails, they didnt even send me an invoice! Instead they reported the delinquency to the Consumer Reporting Agencies and ruined my credit. Thats just plain wrong and they shouldnt be able to get away with it!
Consumer complaint received 2021-09-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo exposed myself to fraud and are refusing to answer my questions. Instead they sent me this stupid letter denying any responsibility, even though they are the ones who opened the account unauthorized. They claim I should have the welcome package that never came to my address. They are holding me responsible for the account even though I am not the one who opened it. I want to know what address the welcome package was sent to.
Consumer complaint received 2021-02-19
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. (LA)

Filed numerous complaints and disputes with XXXX  and transunion  also XXXX  and showed proof of inaccurate reporting on my credit with no results will attach all info
Consumer complaint received 2022-12-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I, as a Consumer and Natural Person, requested my Consumer Report from XXXX, Equifax, and XXXX by letter on XX/XX/2021. They all responded that the alleged bankruptcy was Verified as Accurate. As a result, I launched my own investigation for the removal of an alleged bankruptcy being reported on my consumer report by contacting XXXX as they were the initial violators of my privacy pursuant to 15 USC 1681 ( a ) ( 4 ). XXXX was unable to verify the accuracy of bankruptcy case number XXXX and it has been removed. Please see my letters to Equifax, XXXX, and XXXX with my supporting evidence that they are also in violation of my privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The reference of the alleged bankruptcy XXXX follows : XXXX - ID # XXXX : XXXX ID # XXXX : Equifax ID # XXXX.
Consumer complaint received 2021-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I have been trying to work with Pennsylvania Higher Education Assistance Agency to review qualifying payments that they are not counting toward PSLF. They have said that they are under review for over a year, with no resolution. I have made every payment since the disbursement of the Direct Loan in XX/XX/XXXX. However, they are currently excluding 18 payments for which I have not received credit toward PSLF for the following month/years. XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX. I made payments dating back to XXXX while being employed with a qualifying employer, but was not informed that I was under the wrong type of loan until XX/XX/XXXX at which point they were consolidated into a direct loan. I have been employed with qualifying employers since XX/XX/XXXX. I am escalating this because I am approaching 120 payments that have been counted and if the 18 payments are included, I would qualify for forgiveness in XX/XX/XXXX. It is reprehensible the way individuals who have dedicated themselves to public service have been misled, misrepresented and generally treated by PHEAA. I am beyond pleased that they are terminating their contract. I only hope that another equally dishonest and incompetent servicer does not replace them. Thank you and I hope you are able to help me and the thousands of borrowers that have held up their side of the agreement, but have been taken advantage of by PHEEA.
Consumer complaint received 2021-09-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (WI)

We leased a new XXXX XXXX in XXXX of XXXX ( XXXX model year ) through KMF ( Hyundai Motor Finance/Kia Motor Finance same company I think ) lease ended 38 months later in XXXX. Upon lease end we sent in remaining balance to purchase the car outright off lease as well as odometer disclosure to KMF. KMF cashed the check. We were under the assumption that we had the title in hand up until XX/XX/XXXX when we started thinking of selling the vehicle that we owned outright. Upon looking for the title we found we only had a copy of the title in our file. I first contacted the DMV in Wisconsin as I assumed we must have lost the original. The DMV informed me their was still an KMF lien/name on my title and they could not get me a duplicate. ( XX/XX/XXXX ) Same day called KMF and they said, yes we actually have your title but you never sent us an odometer disclosure. ( untrue, and even so don't you think they would call us since they had no problem cashing the check ) So we jumped through all the hoops to send in another odometer disclosure and waited a week. Called several times and they say they never received it. Then literally while I was on the phone calling days later the agent showed that they had received it by some miracle just as I was talking with them. Said it would take a few days to process and release the title. Waited a week and called again. They claimed it was still processing and to try again a week later. Called on XX/XX/XXXX and they said they just released it and mailed it and to give it 7 days or so since it mailed from Georgia ( no tracking of course ). They also repeated the address that they sent it to and it was correct. Called again XX/XX/XXXX and they said again that it was mailed out and there was nothing they could do. No tracking, no nothing but they could escalate my claim via an email to their title department. ( they have done this several times already ) So that has prompted me to go online and see if anyone else has had this problem. To my astonishment their are pages of claims that KMF has done this to them. Some people waiting months to get titles ( and dealing with the same smug scripted responses from the KMF call center people with no way to get anything accomplished except " we will send an email '' ) As of today XX/XX/XXXX I still don't have a title for my vehicle we paid them for almost 4 years ago. This has gotten ridiculous and now after reading the dozens of people having the same problem during the same time period I see that I will have to resort to some other way of getting what is mine in a timely manner.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-14
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. (MO)

Reccently, I did an investigation on credit report which caused me to develop XXXX and XXXX upon finding out that unverified, invalided, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Dept of EducationXXXX 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 Thank you very much for your time.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (WA)

Hi, I am writing about a issue with US Bank. My issue is with XXXX XXXX XXXX, she is a XXXX XXXX. My issue is this loan process is taking too long, there has been too many mistakes, the information that was sent to escrow was incorrect. I have to correct XXXX a number of different things. On my initial visit I spoke with XXXX at the XXXX branch, XXXX was writing down my information and I disclosed to him that I was part owner of my business. XXXX already knew that information before our meeting. Now after I sent all of my personal information in your portal XXXX is just now discovered about the XXXX and she is asking all this information. I feel like I am starting all over from scratch. I had to wait almost a month to get the appraisal on the land after I was rushed to put in my personal information in your portal. I was told by XXXX she discovered me being a XXXX XXXX from a side bar conversion with XXXX XXXX. It is my opinion that if XXXX was doing her due diligence and I was receiving professionalism this would have never taken place. It is also my opinion that I am being profiled because of my ethnicity. My issue is time sensitive due to the lot I am trying to purchase. The XXXX housing market is still hot and I don't want to lose this lot due to the poor service I am getting. I have been trying to close this loan for close to 2 months. I hope to get a phone or email about this issue soon. 

Regards XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2023-07-19
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: Nicholas Financial Inc. (GA)

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Consumer complaint received 2021-09-27
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 



ACCOUNTS : XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017