davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I just received a copy of my credit report and there's different spelling 's of my name, different addresses, and phone number 's, account I did not recognize. I reached out to all three credit beau 's to remove items
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis and Associates has falsely reported information to the credit bureau. After deletion, reported to a different bureau with a different amount and have reaged the account as well. Disgusting! After speaking with them several times and explaining to them that there is no way I have any relation to this, also asking for proof, they have not removed it. They ask questions to try and add legitimacy to false claims. How can they be allowed to falsely report, delete, report again, pad, and reage?
Consumer complaint received 2019-02-12
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 (WI)

I am writing to complain once again about Toyota Motor Credit. Below you will find my original complaint and their response. I feel that their response is still unjust and I will continue to file complaints until they take proper action. The fact that they can damage my credit report negatively for 7 years over one written attempt which I did NOT receive is absurd. As the co-signer on a lease with Toyota Motor Credit how can it even remotely be a fair practice to collect a debt through one letter and ZERO phone calls if that letter was not acknowledged. Now i'm left with a damaged credit report thanks to their lack of due diligence. I am right in the process of home buying and this is basically killed that. I want Toyota to take responsibility for their lack of attempt at collecting this debt and REMOVE this unfair charge-off report from my credit report. They claim they are are required by law to report accurate information and I would hardly describe their attempts as and this " Charge Off '' as accurate. You have the power to remove this do so! Otherwise, i will continue to complain, and even seek legal representation if need be for such unjust business practices and reporting. Hardly the intent of the FDCPA to say the very least.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

They are preventing me from adding my bank account to make payments. 

All of this has been ongoing for the past 2 months or so. 

I previously used the same account for many months to make payments, but at one point I accidentally double payed and rather than carrying a negative balance on the card I opted to cancel the payment from the side of my bank. 

As soon as the transaction was rejected, I was no longer able to use that bank account at all. I've called them multiple times and have tried numerous things but nothing they propose ever works, and they eventually started blaming my bank. However- I know the bank is fine because when I call them and ask them to charge the bank they have been able to do so, even after it was blocked on their end in the website UI. 

I opened a new bank account in order to try and get around this but am having trouble with that bank account, and likely I will end up being charged late fees because of the credit card companies refusing to take my payment. 

I also setup a new account with my original bank account which worked for one payment, but I got a bonus from work and after transfering that out to XXXX apparently my bank blocked all outgoing payments because it was so large/I hit some limit for the month. This caused another payment to be canceled on the new account and now that one is blocked by by my credit card also. 

I want to highlight that I have spent hours across several support calls and my own debugging to try and resolve this issue. The company has been completely unwilling to do anything, and to an extent does not seem to even acknowledge this as a problem. 

This is the Amazon Store Card from Synchrony.
Consumer complaint received 2020-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (PA)

I requested my account to be closed in early XX/XX/2019 and Navy Federal did not close my account which one of the representatives said was due to processing time. By the account being left open according to the information given by the representatives they stated the account accrued multiple overdraft charges which resulted in multiple overdraft fees which I found highly unfair and poor practice. Furthermore, my account has been satisfactory without overdraft issues for a very long time, however, my wife overdrawn her account which is separate than mine and according to Navy Federal it  was set up at the time at the branch for me to have the ability to transfer funds into her account if need be. Navy Federal instead of using my account as overdraft protection allowed her account to overdraw and charged her overdraft fees and when she decided that was unfair and not to use the account any longer Navy Federal waited almost two weeks then transferred money out of my account without notice and the result was my account went low and caused overdraft fees. I asked is " joined '' to her account why wouldn't it overdraft protect her account if I am responsible for it or why wouldn't someone inform me that money is going to be taken out of a separate account and no one could have a clear answer as to why this occurred. I think its a crime to say my account can overdraft protect an account but then don't overdraft the account which caused overdraft fees on both accounts. I want to explore all my options in regards to how this scheme takes advantage of individuals.
Consumer complaint received 2023-12-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

Despite numerous requests to remove a debt due to ID theft XXXX, XXXX and national credit adjusters you need to violate the fcra regarding credit reporting negatively a debt that does not owed and due to ID theft.
Consumer complaint received 2020-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (TX)

I was approached by Equitable Acceptance Corporation in reference to my Federal Student loan in XX/XX/2017. The company representative stated that I qualified for a special program of repayment. I was told at the time to pay a set monthly rate for three years with an annual income review each year. At the end of that period of time my student loan debt would be forgiven. I currently pay {$39.00} monthly.

I recently discovered that this company shows up on my credit report as a charge card.

I called Equitable Acceptance Corporation and got a total run-around. This led me to call The Department of Education/XXXX. The representative informed me at that time that this company is known to be scamming people in reference to student loans. All the payments that were collected were never applied to my loan. They provide no services. Consumers are able to negotiate repayment directly with the Department of Education free of charge.

After some internet searching I have discovered the following information : 1. The FTC has taken action against this company and other similar companies. I have included a  link to the article : https : //www.ftc.gov/XXXX 2. There is an ongoing class-action lawsuit filed against Equitable Acceptance Corporation by XXXX XXXX and XXXX XXXX XXXX. I have included a link to the article : https : XXXX 3. The company has also been sued by the state of New York. I have included a link to the article : https : XXXX 4. Here is another article on the same subject : https : XXXX These are by no means the only negative articles and information about this companies deceptive business practices. I was scammed by Equitable Acceptance Corporation and hope to prevent another person from being taken advantage of by their deception and outright lies.
Consumer complaint received 2018-03-04
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. (AR)

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (TX)

I recently applied for financing for a home, unfortunately because of the false delinquent reporting XXXX XXXX currently ) on my NC Financial account ( XXXX ) my Credit scores were too low. 

I reported the inaccurate reporting to the company Net Credit for them to fix the issue of misreporting on the beginning of XXXX when I saw the first misreporting. They said it would take up to a month, for the reporting to be corrected with the credit reporting agenciesit has now nearly been XXXX months and still the misreporting shows that Im late to my payments.
Consumer complaint received 2020-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IL)

XXXX XXXX altered paperwork to where Im not even the owner of my car my co signer is. Then I was sold a warranty which the very last page canceled the whole warranty so it was worthless, still waiting on that to be refunded. And Ive tried to get a paper copy of my financial contract and people from XXXX keep hanging up or telling me theyll fax it and one blank page will get sent To me.
Consumer complaint received 2022-12-26
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. (TX)

I recently applied for financing for a home, unfortunately because of the false delinquent reporting ( XXXX  currently ) on my XXXX XXXX XXXX XXXX XXXXXXXX ) my Credit scores were too low. 

I reported the inaccurate reporting to the company XXXX XXXX for them to fix the issue of misreporting on the beginning of XXXX when I saw the first misreporting. They said it would take up to a month, for the reporting to be corrected with the credit reporting agenciesit has now nearly been two months and still the misreporting shows that Im late to my payments.
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I am a seller on XXXX  selling a XXXX XXXX laptop for {$1000.00} It started with a message from someone claiming to " buy '' the laptop from me. The buyer agreed to cover the shipping ( + {$100.00} ), this totaled to {$1100.00} and I asked to have it paid through PayPal. This is where it things go wrong, because the email contact claims to be PayPal, has a domain " XXXX ''. But I didn't realize it until I paid {$850.00} of Gift Cards to the buyer in order to " authorize payment ''. However, that didn't end because the last email I got asked me to pay {$1000.00} for their ridiculous 'insurance '. This is where I know they definitely crossed the line. The damage has been done and I submitted complaints to my bank, FTC ( and you also ). The liability totaled to {$2000.00} ; I want my laptop back and the {$850.00} that was mistakenly paid.
Consumer complaint received 2018-03-04
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. (AR)

Creditor Name : XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I reported this problem around 6 months ago regarding XXXX  XXXX, XXXX, transunion and XXXX. I filed bankruptcy on XX/XX/2019 and received a discharge on XX/XX/2019! Of all my debt owed. I reported this problem about 6 months ago and it was fixed. Now XXXX  is reporting this same information as being late and a balanced owed. My credit score just dropped 47 points because of this incorrect information from XXXX and XXXX  XXXX, XXXX, transjnion and XXXX.
Consumer complaint received 2020-01-03
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: ID Analytics, Inc. (AL)

I didn't authorize the below inquiries : XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Third Floor XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX Bank XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
Consumer complaint received 2023-06-29
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. (MI)

I notified Trans Union of the hard inquiries on my credit report that needed to be removed due to identity theft. Trans Union have been contacted regarding this multiple times and are not cooperating.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SUNTRUST BANKS, INC. (DC)

*XX/XX/XXXX - 7 charges to a SunTrust MasterCard at a XXXX XXXX amounting to # XXXX ( 4x {$100.00} and 3x {$200.00} ). 
*SunTrust alerts me via text ; I respond immediately that these are not my charges. 
* ( the same day, XXXX XXXX XXXX. called w/ similar fraud charges at XXXX and immediately dismissed them from account when I assured they were not my charges ) * Approximately 2-3 weeks later I receive a letter from SunTrust stating that their investigation determined that these charges are my responsibility. 
* A long phone call followed with several people at SunTrust 's security/fraud division. After more than an hour, their conclusion was the same. The investigator cited " inconsistencies '' but no one could tell me what they were. 
* I visited my local bank mngr. several times and exchanged sevearl emails with him ; he tried to help but could not. A phone call from a higher regional exec. said the same. 
* During another call w/ ST, I was finally told that an inconsistency was that the card chip was used and because the card is in my possession, I must have used it. 
* XX/XX/XXXX - I wrote letter to Mr. XXXX. XXXX, president of SunTrust. His office called to tell me there was nothing they could do. 
* I spent more than an hour on phone w/ XXXX business div. who researched charges and found nothing at cited store ( XXXX XXXX XXXX, XXXX, DC ) or in any other XXXX store where this card has been used. XXXX case # XXXX ( I have NEVER used this card anywhere and card statements confirm this ). 
*XX/XX/XXXX - I filed police report w/ DC Police , file # XXXX. 
*XX/XX/XXXX - I called MasterCard.They can't do anything - in SunTrust hands. 
My next step will be to contact the DC Attorney General 's office. 

I don't know what else to do or how to use the police report to support my case. I'm at wit 's end and out of more than {$1000.00} which means a great deal to me. I am retired and live on SS and savings. I have banked w/ ST since XX/XX/XXXX and have 2 different accounts there including a non-profit for people w/ disabilities that has more than {$70000.00} in it and I have never bought a gift card for any amount at a XXXX. 
I'll appreciate any help or advice you can provide.
Consumer complaint received 2022-12-26
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.