davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I shesule my payments and they constantly call. When they call they immediately hang up. I received a call today and got the XXXX  answer of of now I see you scheduled your payment today. This is harassment to the extreme. Multiple calls daily and they hang up every time I answer. This needs to stop or I will take them to court and sue for more than the car is worth. Its ridiculous. Im clearly not avoiding them and doing my best to make the payments on time and get caught up but I know my rights and again this is harassment.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had a XXXX XXXX  credit card account XXXX that was opened on XX/XX/2017. I missed payments and it went into delinquency, and XXXX sold this account to a collection agency by the name of XXXX XXXX. I was sued by this collection agency, although I was able to settle the debt with XXXX XXXX, in exchange for removing any bad marks from all of the credit reporting bureaus and also stopped them from taking me to court. I am no longer having anything to do with XXXX, but yet XXXX is still on my credit report, marking my current status as a derogatory account. This is affecting my credit score. I need XXXX to delete the account off from all of the credit bureaus immediately. Thank you.
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/2021 I discovered I could not perform any transactions to my PayPal account. I received a message that the account was under some court legal restriction. I have not received any court papers from any company. I do not owe any lawyer or company. I requested to close this account due to my past history with ID tax theft which cause a spiral of identity theft to my banking, tax and credit report. I would like for this account to be closed as soon as possible for fear of future damage and fraud. On XX/XX/2021 I spoke to PayPal concerning this issue and the fraud and Id Theft concerns but without resolution.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I sent a letter out to XXXX, Experian XXXX XXXX XX/XX/2023. However it been more than 30 days and the credit bureaus failed to send my investigations back. This is not making sense. According to the law 15 U.S.code 1681 I Procedure in case of disputed Accuracy of any item information contained in consumer 's flie at a consumer reporting agency and the consumer notifies the agency directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is Inaccurate and record the current status of the disputed information or delete the item from file in accordance with paragraph ( 5 ) before the end of 30 day period beginning on the date.
Consumer complaint received 2021-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

shopped in gap end of last XX/XX/XXXX than in XXXX I left the country. 
While I was in XXXX, country lockdown due to covid_19 on XXXX XX/XX/XXXX I was stuck in XXXX 8 month. 
Finally, I was able to come back to the XXXX on XXXX XX/XX/XXXX Soon as I saw the bill from Gap, I called them and explained to them about the situation I was in due to covid_19. then I send them a check and nice later again explaining my situation and I ask them to forgive the intrust money they have added in. after all my payment was let because I was stuck in XXXX. 

After that, I thought my case is resolved, but the phone call continued for a debt collection agency. finally, I spoke with the lady in the Synchrony bank explain to her everything I want true and I made the payment directly to the Gap. She was cooperative and understanding I thought the case is resolved, but no, I just find out your company has scrod up my credit score and thats not a kind act at this point. 

Please check all my document I am sending you and close down my Account so my credit score can go to normal again.
Consumer complaint received 2023-06-28
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. (OH)

XXXX XXXX XXXX XXXX XX/XX/2022 Filling a collection under my name. 

i do not know who XXXX and XXXX is nor have i ever done business with them or been lent any my by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything. 

XXXX False, deceptive, or misleading representations or means.
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. (FL)

I was examining my credit report and I saw some accounts that are being listed on my credit file but are false. I do not have any debt with these companies and have no knowledge of these accounts. I believe they are fraudulent or there is an error in their system. Please investigate this issue because it is stopping me from gaining any new credit. These accounts are not mine.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently reviewed my credit and shows the following incorrect information is being report. 

Late payments : XXXX XXXX XXXX XXXX reported late XXXX XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This has been a XXXX  year ordeal dealing with credit bureaus I have tried numerous times requesting Equifax, XXXX XXXX, and XXXX to update their database because my profile has numerous inaccuracies and they still have not been able to provided a fully detailed credit report with the corrections I requested. I demand that ALL negative remarks be removed from my credit report ASAP. This is a violation of my rights under 15 USC 1681a ( d ) ( 1 ). If this matter is not rectified I will be forced to file a Lawsuit.
Consumer complaint received 2024-03-14
Product: Credit reporting 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. (LA)

Upon checking my credit reports, I spotted some unauthorized and fraudulent inquiries that needs reporting and correction through your company. I'm a victim of Identity theft. I've never authorized anyone to open these inquiries and I have not initiated any transactions to these companies.
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)

On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX acct # XXXX. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded it to all CRA. It has been 5 months and this account is still falsely reporting on my credit. The latest false report is 2 new 90 day late payments on Equifax. How is this possible for an account that should not be on my credit report?

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complain on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. If needed I can provide documentation that this should not be on my reports. However, I ask that you correct the error on your part and remove the account entirely.
Consumer complaint received 2021-01-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings (DE)

I have had two previous loans with Speedy cash with have been paid in full, Ad Adstra is stating that I still have a balance with them. There is an account with Ad Adstra showing on my credit report in the amount of {$1400.00}. I do not have a contract with Ad adstra/Speedy Cash. am not liable for this collection or responsible for this debt. I have requested proof of this debt from The credit bureau and Ad Adstra.I was never sent any proof validating this debt even though I have requested it, I have been trying to resolve this matter since XXXX. I hope you can assist me to resolve this matter.
Consumer complaint received 2023-06-28
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. (FL)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. These are not mine.
Consumer complaint received 2023-06-29
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XX/XX/2020 I attempted to access my credit reports online using XXXX. I was unsuccessful in doing so, and was told that I should mail a paper request form to the XXXX XXXX XXXX  XXXX XXXX. I completed the request form, included a cover letter describing my request, and enclosed a photocopy of my Oregon Driver License, as well as a copy of a recent bank statement including my address. The XXXXXXXX XXXX XXXX XXXXXXXX XXXX received my request on XXXX by USPS ( signature confirmation requested ). 

TransUnion replied with a letter dated XXXX titled " Re : Unable to Locate Credit Report '', asking for more identifying information, including proof of my social security number, 2x proof of address, and proof of date of birth, as well as a form. On XXXX, I mailed my response which included a cover letter explaining my request, all the information they requested including copies of my Driver License, Social Security Card, and a recent bank statement with my current address, and a filled out copy of their form. This response was received by TransUnion on XXXX. 

TransUnion then responded to my letter containing further information in a letter dated XXXX titled " Re : Proof of Social Security Number ''. It largely reiterated the requests in the XXXX letter, asking for proof of my social security number along with proof of address and date of birth. I had already provided the information they were asking for in their previous letter, so it was clear that this process was circular. 

I believe that their failure to provide this information is a violation of their obligations under federal law, and am seeking immediate redress from you as a federal regulator.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Equifax has placed an internal " block '' on my credit report. It is negatively affecting my credit lines with my creditors. 6 months ago, I requested them to correct the information. I mailed the requested documentation. No confirmation, no receipt was received from them. 

I launched a new dispute, because of the inaccurate address listed on my account and used their online portal to submit the documentation - the same requested in the previous dispute. They reviewed and accepted that change, but have not removed the " internal block '' on my account. 

I was told that the reason why I received no confirmation or receipt was because I did not include the Postal Code extension XXXX XXXX XXXX on the mailing address for Equifax, Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, which is the mailing address included in their dispute request form. In addition, I did not include a " cover letter '', which is nowhere in their dispute request form. They are intentionally nebulous with their prescription for remedying this situation. 

I have been fighting with them for 6 months - over 15 phone calls and 2 packages including the most sensitive information : social security card and drivers license - and absolutely NO ONE has been able to correct this issue. I have been hung up on, " transferred to tech support '' - which doesn't exist, I have been placed on indefinite holds so that I would hang up and not complete the survey for the representative. They are intentionally vague and unhelpful.
Consumer complaint received 2021-01-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (WI)

I acquired XXXX XXXX XXXX XXXX XXXX to consolidate all of my credit card debts on XX/XX/XXXX. I spoke with XXXX XXXX representative for Midland Credit Management on XX/XX/XXXX, and she stated that my previous payment plan was cancelled on XX/XX/XXXX. Also, XXXX stated that XXXX XXXX XXXX XXXX XXXX established a new payment plan for me, and that the first payment to Midland Credit Management will be XX/XX/XXXX. Since then, I have received several emails and statements from MCM harassing me about a payment. MCM is not supposed to contact me, but should be contacting XXXX XXXX XXXX XXXX XXXX regarding future payments on my behalf. I called MCM several times regarding them to stop contacting me and contact XXXX XXXX XXXX XXXX XXXX XXXX I kept being told that I needed to speak with a representative from a certain department, but no one was available to speak with me and that I should call back the next day.
Consumer complaint received 2021-01-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sa-Vit Enterprises, Inc. (NY)

Hello, I XXXX XXXX sent Sav-It Ent Inc a validation request to confirm the debt I owe. I received the validation letter and now want to settle this debt. I gave them a call and was told theyll do a pay to delete if paid in full but they refuse to send a letter or email confirming theyll delete. I was told we are not a letter company.
Consumer complaint received 2021-01-17
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: SYNCHRONY FINANCIAL (OH)

The checking account that I use to pay this credit with was hacked twice. This is a checking account that is held a XXXX XXXX. Due to the account being compromised, I had to close the checking account, causing my automatic payment to not be sent. I have written two letters to the creditor to address this issue. The issue is that there are late payments on my credit report for something that was out of my control. I would like to have this addressed and to have the negative information removed from my credit report. The creditor is Syncrony Bank, who administers the credit cards for XXXX XXXX. I also believe that Syncrony 's billing practices are unfair. With synchrony, you are penalized for making your payment early. Synchrony posts the payment incorrectly so that the account payment is late and the consumer is charged a late fee.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened checking account online on XX/XX/XXXX at Bank of America and didn't receive {$300.00} bonus for making qualifying direct deposits totaling {$4000.00} or more within 90 days from account opening. 

I filled claim which was closed based on that I didn't meet requirement as far as amount ( from the period of XX/XX/XXXX till XX/XX/XXXX Direct Deposits to my account were made for the amount of {$4000.00} XXXX. 
The claim was reopened but closed second time for the reason that one of the payments wasn't direct deposit ( all Direct Deposits were identical, from the same company ). 
Finally, the bank confirmed that all requirements were met but they denied the bonus because too much time passed after the promotion.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX! 
HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof. 

XXXX XXXX : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date XXXX claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. XXXX has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. XXXX XXXX has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) XXXX also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : USAA has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was. 
Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. XXXX does this to cause deliberate harm and this method was approved by their XXXX XXXX XXXX and likely other board members. XXXX literally creates a command for charged off accounts to continue to report each month, as a result my XXXX XXXX is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.