davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

At XXXX XXXX XXXX in XXXX XXXX, FL I was approved for a lease on a XXXX XXXX XXXX. My father passed away in XXXX & resulted in the loss of his home as well as documentation I had pertaining to the lease agreement on above vehicle. 

I voluntarily surrendered the vehicle to XXXX XXXX XXXX in XXXX. 

The vehicle was over mileage agreed in lease by XXXX miles but in perfect condition. 

I have contacted XXXX multiple times regarding settlement etc on above loan & they werent able to verify my information properly and then stated I owed {$11000.00}. 

They could not explain as to why that amount was owed and refused to send documentation regarding above amount. 

The account was CLOSED by XXXX in XXXX. 

The account has been fraudulently reopened as of XX/XX/XXXX after a phone call with XXXX XXXX in XX/XX/XXXX. 

I am being marked as still being in possession of above vehicle as well as fraudulent reporting of missed payments as of XX/XX/XXXX. 

This is unfair! This account needs to be marked as closed!
Consumer complaint received 2021-07-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MD)

IT would be better to talk face to face, I work for XXXX  and could do a TEAMS call. 
Student loans from XXXX XXXX degree, I never had any Exit counseling ECT or education. I deferred for most of the 12 years I worked as a XXXX  employee in XXXX XXXX. They never offered me a payment plan, I made to little to afford to pay with a wife and XXXX little kids. I would have had most of my loans forgiven, with my 5 years a a federal employee. I am in the income repayment plan now, and they prior to this temporary relief from the president were literally Robbing me every month. I begged them for lower payments, they don't care that I am an XXXX  XXXX with XXXX children in private schools, holidays, XXXX food expenses Ect. they just lump me in a box, and gave me payments over $ XXXX month. I have been trying to get all my forgiveness months added, its XXXX. they want all docs Wet signed I am not sending my SS # over XXXX, and cant do it from work. in add Fed loans is going to stop servicing my loan. I am scared I will get messed up again waiting to see if loan forgiveness ever passes. 17 years public service, I should not be scared of my own government killing my financial freedom. 
Thanks
Consumer complaint received 2024-03-25
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX  XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XX/XX/year>
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I filed for XXXX  XXXX bankruptcy on XX/XX/XXXX and have been discharged since XX/XX/XXXX. 
My XXXX/Equifax credit report generated on XX/XX/XXXX labels 8 accounts as late which is adversely affecting my score even though those accounts are closed and have been discharged through bankruptcy. 

My understanding is that any discharged debt under bankruptcy can not be marked anything other than closed and can not directly report as late. 

I disputed the statuses of those 8 accounts but was denied because This account is scheduled to continue on record until XX/XX/XXXX. '' I just need the following banks and or credit companies to adjust this based on bankruptcy law. 

XXXX and Equifax claims that the following are late/closed but lists 8 account as late and a 35 % payment history. 

accounts that show 60 days late directly in XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is the only credit report that does not have this issue.
Consumer complaint received 2021-07-29
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. (DC)

I am writing due to non- compliance with the CRA ( Equifax ). 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-03-25
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX  and XXXX  are knowingly and deliberately allowing XXXX XXXX XXXX  to report false information. This is illegal yet they continue to allow it. XXXX XXXX has told numerous different accounts of the same debt and they are unreliable. First they told XXXX  that in XXXX of XXXX my balance was {$350.00} ( See XXXX  XXXX ). Then they told XXXX  as of XX/XX/XXXX I had missed no Payments. ( See XXXX  1 ). Then they told XXXX  as of XXXX the XXXX my balance was {$440.00} and I only made one payment and the original balance was {$480.00}. If the original balance was XXXX and I made no payments as they told XXXX  then how was my balance {$350.00} in XX/XX/XXXX as they told XXXX? Then they told XXXX  that as of XXXX I had made no payments. ( See payment sheet and account details XXXX  XXXX ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} and I still had made no payments. ( see XXXX XXXX ) Then they told Experian  that in XX/XX/XXXX my balance was {$350.00} and I had made a recent {$90.00} payment. ( see Experian 1 ) Then they told Experian that as of XX/XX/XXXX my balance was {$440.00} ( see Experian 2 ) yet they told XXXX  as of XX/XX/XXXX my balance was {$350.00} and I had made a recent payment. Then they told Experian as of XX/XX/XXXX my balance was {$350.00} but I had made no payments at all on the debt. If the original balance was {$480.00}. and I made no payments how the balance come down to {$350.00}? ( See Experian Current ) Then they told Experian that as of XX/XX/XXXX My balance was {$350.00} and I had made no payments at all ( See Experian 4 ), They have told so many different versions nothing they say should be deemed as credible. Experian, XXXX  and XXXX  knows this information. I supplied Experian, XXXX  and XXXX  with copies of all the attached documents a few weeks ago. They told XXXX  as of XX/XX/XXXX my balance was {$440.00} yet they told Experian that on as of XX/XX/XXXX my balance was XXXX. Which was it {$350.00} or {$440.00}. It could not have been both. Then they told XXXX  that I made no payments at all. This was after saying I made on {$40.00} Payment. ( See Attg2 XXXX  ). Which version of this debt is correct. It s obvious XXXX XXXX is unreliable and should nit be allowed to have their trade line on my credit report/
Consumer complaint received 2021-07-29
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. (CA)

I had a lease from XXXX starting from XXXX. And I payed off the lease on XX/XX/XXXX. But my credit report is still showing that the loan is open and I have balance XXXX. 

I have talked to XXXX and they verify that my account is payed off and close. But the credit report company got different info.
Consumer complaint received 2021-07-28
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. (AZ)

I have disputed debts on my experian and XXXX  report. I have Items on there that is fraud. I submitted a dispute through the credit reporting company as fraud. They said company came back said it was me, with no proof. So I write each company beyond 30days ago. I got no response. Nothing showing I owed the money that the account belongs to me no documents with my ID or anything. I send this to experian and they start a new investigation. Per the law creditors have 30 days to respond otherwise delete. I sent tracking numbers and everything to them. They are not following the process. They said they do not have to re.ove it. That it's not fraud cause they have my DOB, SSN, YEA CAUSE ITS FRUAD. I would like these accounts removed these companies held responsible and ASAP
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Kohls an account which was opened in XX/XX/XXXX recently just closed my account due to what I believe they will say was inactivity. I check my score weekly and have a credit score ranging from XXXX. Obviously I take my credit worthiness seriously. Kohls has damaged my credit score, furthermore they have done so without having sent me any correspondence about actions that they planned to have taken. This is a violation of the FDCPA & I want this account reinstated with the 7 year old status that it has immediately. If Kohls does not comply I will introduce this issue to my state legislatures, FDCPA, and other regulatory entities. This is a way in which certain business entities can keep certain demographics credit worthiness down. They never in 7 years increased my credit limit from {$300.00} up to a level of which I am worthy. Every credit card company does periodic reviews of their account holders & increase their limits without the credit card holder having to ask and incur a inquiry hit to their score. Kohls is unscrupulous and needs to be held accountable for any damage done to my credit score bottom line.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CT)

in XXXX of this year, I was offered a bonus to open a checking account with citi bank. the bonus amount was to be {$1000.00}. I have talked to the manager of the branch, and he confirms that I have met all the requirements, and the money should have been in my account last week. the account # XXXX. the branch is in XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

Coinbase Inc has held my money hostage for over three months without any resaon or any end in sight. I had my account restricted in XXXX which means I can not buy, sell, or trade any of my crypto currencies on coinbase.com. They have not given me a reason why they restricted my account and refuse to communicate any info as to how to remedy the situation. I have also filed a support ticket and issued a formal complaint and still nothing. I currently have XXXX dollars worth of crypto and am in desperate need of my funds. I have sent documents to confirm my identity and still they say nothing.They have also issued me a coinbase visa card and as soon as I try to use it they say I am not permitted. Please help me.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

To : Consumer Financial Protection Bureau XX/XX/XXXX Re : Account XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX I am submitting my complaint to your Bureau with regards to unaccounted for payments. I have submitted previous complaints before to your office but was apparently just brushed off or ignored by XXXX XXXX XXXX. through their servicer Select Portfolio Servicing , Inc. ( SPS ). 

This time, I was able to get legal documentation copies that was submitted before in Court where the court dismissed their ( SPS ) charges everytime for being unable to account for a payment of XXXX payable to Select Portfolio Services dated XX/XX/XXXX. This amount would have paid off the full amount of the loan balance then. And now with interests that have piled up, it is up to over {>= $1,000,000}. 
I was never late in my mortgage payments since the mortgage was all paid for. 

Since then, XXXX XXXX XXXX., through their servicer SPS would quiet down and after six to eight months would start again their foreclosure procedure and this time using a different law firm to represent them. SPS have hired already 3 different law firms at different time intervals and each time the judge would dismiss their foreclosure case for their unaccounted for and unexplained payment receipt of {$510000.00}. 

Right now, SPS per their letter of XX/XX/XXXX is again starting the process of yet another foreclosure proceedings with a Trustee Sale date anytime after XX/XX/XXXX with a different law firm. I request that XXXX XXXX XXXX and Select Portfolio Servicing stop all this until this payment issue is resolved. 

I would like your office to please communicate directly with XXXX XXXX XXXX. to stop this harrassment.Their Modus of Operation has caused tremendous stress to the family. I am even forced to resort to a " SHORT SALE '' to avoid a foreclosure on my record. I have also requested a Forebearance but was denied. 

I am attaching herewith copies of important documents that was presented in Court 3 times with which the Court ruled each time in my favor. 
I look forward for your help in resolving this issue directly with XXXX XXXX XXXX. as SPS representatives are not even aware of these payment and court judgments whenever I discuss this with them. 
I look forward for your help as the bank is under your jurisdiction in resolving disputes. 
Thank you for your help. 

Sincerely, XXXX XXXX ( POA ) for XXXX XXXX *To CFPB ... .. If my document attachments can not be uploaded in your system, I will fax them to your office. I tried to upload already but I'm getting a " Fault '' warning.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have a company called XXXX XXXX XXXX XXXX that has a debt listed on all XXXX of my credit files without providing proper debt validation as requested. I even went through the XXXX for assistance ( see explanations attached ). I find this very unfair for the credit bureaus to list this debt even after I disputed it over and over. I am seeking help from your company now to help me get debt validation
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (CA)

TRS Recovery Service sent me a letter asserting they were collecting on a debt which they assert is mine, regarding a stopped payment at a Wal-mart I have never been to.

TRS has a track record of falsely associating 3rd party debts with victims of their deceptive business practices and intentionally making dispute/validation process difficult/impossible, while making payment easy, in order to convince victims of their practices to just pay and move on instead of invalidating.

I phoned the organization when I received the debt collection notice and requested supervisors, and requested to be transferred to their compliance department, which they stated they would not do for me ( because of internal policy they were unwilling to transfer me to their compliance department ). In both cases I stated I was pursuing invalidation of the debt and was not satisfied without being transferred to the compliance department, and that I did not intend to terminate the call until they transferred me, but in both cases they ultimately terminated the call against my wishes while I was pursuing validation of the debt.
Consumer complaint received 2021-03-23
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: EQUIFAX, INC. (AL)

The account with XXXX on my credit report was paid in XXXX. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The credit bureau verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a recurring subscription for XXXX that was scheduled to renew on XX/XX/XXXX at the price of {$17.00} but the subscription was cancelled on XX/XX/XXXX and the credit card should not have been charged. However, XXXX charged my card anyway one day before it was set to renew automatically. XXXX was contacted and said they would refund the payment but the refund was not issued. I filed a dispute with Capitalone but have not received a response. 

I expect to see a refund of the {$17.00} that was charged to my Capitalone Mastercard ending in XXXX on XX/XX/2021. I am attaching the cancellation confirmation received from the merchant.
Consumer complaint received 2021-07-28
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. (AZ)

i have unauthorized fraudulent inquires on my report i called and mailed disputed and have no results fraudulent inquires still remain on report Name Requested On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2021-07-28
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. (CA)

In XX/XX/XXXX I sent a physical letter to XXXX, XXXX  and Trans Union informing them there were inaccuracies in my credit report and that I was requesting a copy of my free credit report of which I am entitled as per the FCRA.The only company to send my report was XXXX, It has now been more than 90 days and I still have not received a copy of my credit report from XXXX  or TransUnion.
Consumer complaint received 2024-03-25
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-09
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting