davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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 (CA)

I want to provide proof to Toyota Financial Services that there was no late payment made on my XXXX XXXX XXXX account # XXXX. I have already opened a case for which I received a response but, unfortunately, whomever reviewed the case missed the mistake made when XXXX posted my payment in XXXX of XXXX. XXXX sent an itemized list of my payments and when I reviewed this list, it became clear to me where the mistake was made and how it threw off the proper recording of payments between XX/XX/XXXX and XX/XX/XXXX. I have included a copy of my payment report, here. If you go through this report from the beginning, XXXX payment at a time, you will see that the XX/XX/XXXX payment ( the payment that is reported as being late ) was, in fact, paid and posted to the account XXXX days before the due date of XX/XX/XXXX. The mistake that throws everything off is in XX/XX/XXXX when the XX/XX/XXXX payment was assessed but WAS NOT MARKED FOR XX/XX/XXXX. Instead, the XX/XX/XXXX payment, once posted, was marked as the XX/XX/XXXX payment. As a result, all the ensuing payments were marked XXXX month off. When I traded my car in for a new model in XX/XX/XXXX, I was told not to make my XX/XX/XXXX payment, however, XXXX was calling me that they hadnt received the XX/XX/XXXX payment so I made the XX/XX/XXXX payment anyway on XX/XX/XXXX ( well within the 30 day grace period ). Unfortunately, because of the mistake a year earlier, XXXX thought that the XX/XX/XXXX payment was for XX/XX/XXXX ( because all the payments from XX/XX/XXXX were mismarked XXXX month behind ) when that XX/XX/XXXX payment was actually for XX/XX/XXXX. That last payment on XX/XX/XXXX was even refunded by XXXX because it was considered an extra payment after my new lease. NOTE XXXX : I need this corrected on my XXXX XXXX as soon as possible as I am trying to buy a home right now and this has damaged my ability to do so by unjustly lowering my XXXX XXXX. NOTE XXXX : I don't authorize Toyota Financial Services to run a XXXX XXXX on my XXXX XXXX again
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc. (OK)

On XX/XX/2024 I requested a security freeze from Innovis XXXX XXXX. I submitted all requested and required documents which included a drivers license and lease. 

According to law, once documentation is received by mail, the company has XXXX business days to add the security freeze. Innovis has NOT added the security freeze as requested. 

Their case # is XXXX XX/XX/2024 and # XXXX XX/XX/2024. 

Other companies have completed the request and Innovis XXXX XXXX has NOT. The exact same documentation was provided as provided to Innovis XXXX XXXX
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Collection Associates, Ltd. (FL)

Dear Consumer Financial Protection Bureau, I am writing this dispute in reference to the attempts of an unlicensed collection agency, Collection Associates LTD, to collect a debt from me. This agency has been harassing me with frequent phone calls and letters, and I believe that their actions are in violation of both state and federal laws.

Firstly, according to the laws of Florida collection agencies must be licensed in the state in which they are conducting business. I have reason to believe that Collection Associates LTD is not licensed to operate in Florida. 


Additionally, I have reason to believe that XXXX XXXXXXXX XXXX has violated the Health Insurance Portability and Accountability Act ( HIPAA ) by accessing and using my personal health information to collect the debt. I did not give Collection Associates LTD permission to access this information, and their unauthorized use of it is a clear violation of HIPAA. 


I am demanding that the CFPB take immediate action to investigate Collection Associates LTD for their illegal collection practices. I believe that Collection Associates LTD has engaged in unfair and deceptive acts in violation of the Fair Debt Collection Practices Act ( FDCPA ) and HIPAA.

I request that the CFPB take all necessary steps to halt Collection Associates LTDs illegal collection activities and to ensure that they are held accountable for their violations of both state and federal laws.

I hope that you will take swift action to address this matter and to protect my rights as a consumer. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TX)

Had a few unauthorized transactions on account. When I first noticed something it was international charges I called the 1800 # and she asked if I made a purchase From a site frm XXXX XXXX I said yes cause I did and she informed me tht where those charges came from. Next I went to make pay for some in XXXX XXXX realized I didn't have my card on me the young lady informed me I can use XXXX XXXX  which I tried but but couldn't make transactions due to them saying the phone device they had on file was incorrect so I went online to check and saw my account was hooked up to an XXXX which I never owned and at the time I notice the email they had on file wasn't mines either. I was able to change the mobile device online but was instructed to go inside the Branch to change email so I did ... The next day I wake up my account is XXXX I call the 1800 # they told.me to go inside the branch. So I did when I went into the branch she looked into my account and said I wrote check for XXXX and took funds out equaling XXXX which wasnt true I never owned checks. When she printed the check it was from XXXX I never been to XXXX and when I saw the signature on check it wasn't my signature and name was misspelled. I was told to go file a police report which I did and brought back the same day.. it's been since XXXX and I really have gotten any help besides the run around ... I've never been negative and never took large amounts frm the Atm I don't even know why this was allowed without being informed about transactions since these transactions was out the norm for my account ... Nothing as been done and its been since XX/XX/XXXX at Regions Bank .
Consumer complaint received 2023-01-17
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. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX BankruptcyDate Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NC)

1. I have paid off two Citi cards on XX/XX/2020, one for {$270.00} and the other for {$110.00}. I paid a total of {$380.00} and paid by phone. The lady from Citibank took my money and told me that both cards were closed, apparently neither card was closed. Because Citi Card continues to debit my bank account. I believe Citi cards deceive and discriminate against XXXX cardholders. Because we are XXXX cardholders, Citibank Cards do whatever they like to make false statements to continue debiting our bank accounts, took our money from our bank account. 

2. And also from the last statement I received from Citi Card, I  did not see Macys transition statement from my account that is deception and false and fraud statement.
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (NV)

For 10 years a collection agency, Reliant Capital Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, acting on behalf of the state of XXXX, has been trying to collect unpaid income taxes for XXXX in the state of XXXX. 

I have not lived in the state of XXXX  since XXXX. I have sent this company W-2s from my employers for XXXX showing that I lived and worked here in XXXX XXXX. I have sent this collection agency a letter from the power company showing that service was provided to me throughout XXXX here in XXXX XXXX. I have sent his collection agency paper copies of my power bills in my name at a XXXX XXXX address in XXXX. I have sent this company EVERY SINGLE paycheck stub ( 26 ) showing I was living and working full time here in XXXX  in XXXX. I have sent this company letters of employment verification from my employers during XXXX saying that I was living here in XXXX XXXX. I have sent this company a statement from my pension manager showing they reported me working full time here in XXXX XXXX in XXXX. 

For whatever reason they will not accept any of this documentation or tell me they never received parts of it. I have sent all of these documents to them multiple times ( mail, fax, email ) over the course of 7 years! Now they are trying to garnish my federal tax return. 

This needs to stop. Its getting way past the point of harassment. This has been going on for 10 years!
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (CA)

My grandmother was a victim of ransomware scam that resulted in fraudulent activity in multiple accounts of hers in XXXX of XXXX. The issue we are having is with Discover. A total of XXXX attempted Wire Transfers, but only XXXX completed Wire Transfers were made fraudulently out of her XXXX Discover accounts. 
XXXX XXXX Wire Transfer from Discover  XXXX Account for {$22000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX for {$30.00}. 
XXXX XXXX Wire Transfer from Discover XXXX Account for {$25000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX The XXXX Wire Transfer on XX/XX/XXXX was reversed into the Discover XXXX Account, credit {$22000.00}. 
XXXX XXXX Wire Transfer from Discover XXXX Account for {$39000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX XXXX Wire Transfer from Discover Checking Account for {$6900.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX A deposit from a XXXX Bank account was made to her Discover Checking Account for {$21000.00}. 
XXXX XXXX Wire Transfer from Discover Checking Account for {$21000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
XXXX The XXXX Wire Transfer on XX/XX/XXXX was reversed into the Discover Checking Account, credit {$21000.00}. 
XXXX XXXX Wire Transfer from Discover Checking Account for {$20000.00}. 
XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. 
This leaves us with a total of {$91000.00} that was Wire Transferred out of Discover accounts and has not been reversed back, and {$180.00} in Wire Transfer Fees that was taken from her account. 
On XX/XX/XXXX my Grandmother informed me of what had been happening and after I did some research and found that who she had been talking to were not the companies she thought ( Discover, XXXX ). We reported all of the fraudulent activity on XX/XX/XXXX to Discover. We were told that they will really only be looking into the XXXX wire transfers that had gone through and not been reversed back into the account. I was told that they would refund the transfer fees, although I have not seen evidence of this myself. We were told that all of this is under investigation until further notice with no time line of completion. We asked Discover if we should make a police report, and we were told that it would probably make no difference. They also gave us no advice on how to further report this fraud to any kind of authority. In a later phone call we were told that while the investigation was not complete, they had located the accounts that the money was transferred to, but they were empty, and that we are not guaranteed to get any of the wire transferred money back. We have called back several times with no real updates and most times confusion about what is actually in being shown in their system as fraudulent activity. 
After researching myself of what to do I was recommended to make a report about it to the CFPB.
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-03-11
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. (IL)

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 2020-03-11
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. (GA)

Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall releasing my information to a third party. 1. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until the debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MI)

I opened this new XXXX XXXX  card issued thru Citi card in XX/XX/XXXX. Statements were set up for online billing and I didnt make this request. I preferred mailed paper statements and complained in XX/XX/XXXX, I was assured that statements would be mailed in the future. This didnt happen and the online bills went to my junk file on my computer. I received a call on XX/XX/XXXX indicating that I was 2 payments behind. I paid my balance in a payment of {$150.00} on XX/XX/XXXX and {$910.00} on XX/XX/XXXX. I was charged late fees of {$39.00} each for 2 billing dates.
I complained that I was promised that I would receive regular bills back in XX/XX/XXXX and they failed to correct my account. 
I filed a dispute against CitiCard on XX/XX/XXXX with XXXX acting on my behalf.

My 1st mailed paper statement was for XX/XX/XXXX for {$1000.00} and that amount had already been paid I spoke with my credit protection provider, XXXX, on XX/XX/XXXX about the problem. She recommended that I try to contact a supervisor at CitiCard and I finally got through to a supervisor on XX/XX/XXXX. 
I was told the problem would likely get cleared up the next week. 
I called CitiCard a couple of more times and could not get any reply. 
Today, I spoke with XXXX  to see if they had anything back from CitiCard regarding our refined dispute. To date, that have not heard any further from CitiCard, nor have I. 
The representative from XXXX  recommended that I file this complaint against Citicard through the FTC.
Consumer complaint received 2020-03-11
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. (MD)

I'm reaching out because XXXX XXXX has reported m as being 30, 60, 90 days late on XXXX, XXXX, and Experian for a payment that never showed in the phone app as being late.. If I was late on a payment or payment didn't go through ; that's the first thing that should show up when I open the app and not only was I not notified but It didn't even show me being late in the app. I spoke with a customer service agent earlier and explained that even if the payment was missed : which it wasn't The next payment was due two weeks after and the payments all come out automatically. Please explain why I would miss a {$20.00} payment that's auto debited on the day I get paid?? Other people have had issues with bugs on the app and I've had issues in the past. My payments should be updated to all of my payments being paid on time because this as a error on the end of XXXX. It's literally $ XXXX {$20.00} - I wouldn't go 90 days and not pay that small payment ; while making payments. I will attach a screenshot that shows all payments being mad eon time within the XXXX   app
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

I have a Genesis Bank Indigo Mastercard that is holding all my payments as I pay it off frequently for 2 weeks stating this is to verify funds when they are all worldwide verified within 7 business days easily, and if not you can show proof that this payment has cleared your account or have a 3 way call with your bank to verify these funds have cleared. This is an illegal act for holding money and charging more interest on the balance for days that the Card Balance has been paid off. I have contacted them every time I have sent in my full balance payment as to why these funds have not been allowed towards my account. Always getting the same answer by them This is our business policy to hold funds for up to 14 days. Which is by Federal Law illegal to do. I have another Genesis Bank Card by Milestone which it seems they do not use this illegal tactic used by Indigo. This needs to stop or I will file a Civil Class Action Suit against them as this is breaking several Banking and Finance Laws. Please help me correct this by taking action against Indigo Card Services backed by Genesis Bank.
Consumer complaint received 2020-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

For the past month I've been calling Fed loan servicing about student loans that was FRAUDULENTLY opened in my name I've sent them all required documents and all they have been giving me is a run around and not taking my situation seriously.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (TX)

I respectfully request to be provided proof of this alleged item specifically the contract note or other instrument bearing my signature. You cant report this account as OPEN nor a past due balance. Inaccurate information. Failing that the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months or the last XXXX years for employment purposes.
Consumer complaint received 2019-03-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Global Payments Check Services, Inc. (MN)

XX/XX/2019 I told Global Payments Check Services, INC in XXXX, IL I would pay NSF return checks within the day time period from XX/XX/XXXX to XX/XX/2019. and to Stop calling me 8 times a day. Repeat back to back calls and leaving " Threaten Hang-Up Calls '' and harassment. Their number is ( XXXX ) XXXX.
Consumer complaint received 2020-03-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: ECMC GROUP, INC. (OR)

ECMC keeps hiring third party bill collectors to either put a wage garnishment on my paycheck or to continue harassing me despite the fact they have no evidence to prove I incurred this debt. Every time I dispute with the credit reporting they hire another third-party collector based out of Delaware.