davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (KY)

On XX/XX/XXXX I paid my property taxes on my XXXX XXXX XXXX county clerk. I mailed and also faxed documentation to XXXX XXXX on XX/XX/XXXX. They have received the documentation and noted my account and assured me it would take 24-48 hours to update on my account. On XX/XX/XXXX Toyota received a check from XXXX XXXX out of XXXX, Ky for my property taxes Toyota indeed cashed the check, check # XXXX in the amount of {$28000.00} it cleared on XX/XX/XXXX. Toyota  has still NOT updated my account, my account is still showing I owe property taxes {$360.00}. 2 months have been dealing with this talked to different agents almost everyday, Im not getting anywhere everyone I talk to tells me different information. I need this resolved ASAP!!!!
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve 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 U S DEPT OF EDXXXX - XXXX U S DEPT OF ED/XXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX XXXX is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED -  XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED -  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 Equifax is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX NC XXXX XXXX XXXX  - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX XXXX DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPT. OF EDUCATIO - XXXX US DEPT. OF  EDUCATIO - XXXX US DEPT. OF EDUCATIO - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (IL)

This company summoned me to court in XX/XX/2017 for this same creditor with the same fake claim. I immediately requested validation/assignment contract from them. Not only did they send me the same robo letter, they illegally tacked on extra charges on their initial claim. Even though I was not satisfied with the proof they provided in the form of robo letters, I agreed to settle the issue with them to avoid having to take time off work to go to court. I agreed to pay {$700.00} to them which was paid in XX/XX/2017. 
Now here we are again with the same issue. I'm being summoned to court once again for the same debt/same creditor, same robo letters stating that I'm being sued for breach of contract. WHERE IS THE CONTRACT that was supposedly breached? This greedy company should not be allowed to continue to harass people about old claims with no proof, only sending fake robo letters. I never signed a contract with them, nor do I owe them any money. I never owed them money in XX/XX/2017, but agreed to settle the account in XX/XX/2017 to make it go away, even though I believed that their first claim was fake. If they have a legitimate claim and are allowed to take people to court, they need to make sure that they have the proper paper work to back up their claims. They don't and they should not be allowed to waste people 's time. I am a hardworking citizen and do not appreciate being harassed by false claims. 
I am not planning to pay this greedy company anything else and I'm asking that you please look into their greedy business practices. 
Thank you.
Consumer complaint received 2022-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Federal Trade Commission Report Number : XXXX Its unclear when my identity was stolen due to me sleeping by my boyfriend at the time home. 

I discovered what happened when I pulled my credit report due to him often stealing others identity. At that time I was afraid of him and believed he will harm me if I indicated his name. So a report was never filled. 

New information? Yes, his name is XXXX XXXX. He has also stolen my money from me in the pass. 

I sent him XXXX XXXX XXXX to return an item and he informed me that the cashier returned my money back to my debt card. When my money didnt come back in my card I contacted the store. The store manager pulled the tape and stated the cashier he requested a cash refund due to it being a debt purchase and put the money in his left pocket. 

She even sent me the video through text. 

Capital One - credit card account number XXXX. I dont know anything else about this account besides what I see on my credit report. 

Ive been requesting that Capital One provide me with proof on this account however the account keeps getting transferred to different collection agencies. 

It was with XXXX XXXX XXXX to Capital One, and now its with XXXX XXXX. This is insane. 

Ive requested that they provided me with verifiable documentation that the Capitol One credit cardaccount number XXXX was reporting accurately, and that my federal rights have not been violated. 

Ive requested that they prove that the account was in fact due for payment on the following dates the entire years of XXXX, XXXX, XXXX, XXXX, and XXXX. 

Ive requested that they prove that the owner of the accounthad legal right to report these payments as late without a monthly payment amount. 

Ive requested that Capitol One have this accountremoved and stop and decease all negative reporting to XXXX, and all credit bureaus. 

Ive requested that they contact the national credit bureaus and have them delete this account from my credit report immediately. 

Im requesting that Capital One delete this account off my credit report if verifiable information couldnt be provided.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

I previously submitted a CFPB complaint because I was the victim of multiple fraudulent charges to my bank account ( Complaint # XXXX ). The bank responded and that complaint was closed. However, in its response, the bank failed to address or resolve one remaining fraudulent charge to my account. This outstanding charge occurred on XX/XX/2023, to XXXX XXXX for {$490.00} to someone named XXXX XXXX. I immediately disputed this charge explaining that I never authorized this nor do I know anyone named XXXX XXXX. I received a provisional credit for the charge on XX/XX/2023 ; however, the bank reversed the credit claiming I " received services or merchandise ''. This is completely untrue. I never received anything or authorized the transaction. I have attempted to reach out to the bank multiple times. The bank has stonewalled me just like last time, telling me that they are looking into my issue and will call me back, and then never doing so. This is a very frustrating ordeal and very unfair to me. I am a XXXX XXXX on a limited income so this is particularly stressful to my well-being and ability to survive financially.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-11-13
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. (NC)

Transunion, XXXX, and XXXX is reporting that a balance on my credit report for XXXX was not paid, and past due. The balance was paid in full, and is not past due. I also receive a check in the mail for paying more than the balance when I closed the account.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX CARD - XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Processing XX/XX/2021 TransUnion XXXX XXXX XXXX XXXXXXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 TransUnion XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 TransUnion I requested that they remove these unrecognized inquiries. I was treated rudely by one agency.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

I bank with WELLSFARGO On XX/XX/XXXX I mailed my rent check to my landlord as I normally do every month. My check was stolen and cashed and edited to be another payee who receives it. My bank fails to work with me to investigate and return my funds as my check has been fraudulently cashed. I need my refund and this to be investigated because my rent is still due.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2022-05-20
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. (MA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I GIVE BELOW THE FOLLOWING INFORMATION FOR MY ONLINE TRANSACTION EFFECTED BY ME VIA MY HSBC CARD ON XXXX XX/XX/2019. 

MERCHANT NAME - XXXX ... GBP  XXXX ( XX/XX/2019 ) - XXXX .. GBP  XXXX ( XX/XX/2019 ) ORDER NO. XXXX - XXXX XXXX MAILING ADDRESS - XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX NAME AND ADDRESS OF MERCHANT - XXXX  XXXX  XXXX  ] XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TELEPHONE NO : : XXXX XXXX PLEASE NOTE THE THE ABOVE TRANSACTION WAS EFFECTED BY AN ONLINE TRANSACTION VIA MY HSBC CARD AND THE ABOVE AMOUNT WERE CREDITED TO MY ACCOUNT. THE TRANSACTION WAS FOR SOME MEDICATION. UPTO TO NOW I HAVE NOT RECEIVED THE SAID ITEM AND WHEN COMMUNICATED WITH THEM I WAS TOLD THAT THEY DONT SHIP THESE ITEMS TO XXXX XXXX. SO I THEN REQUESTED FOR MY REFUND FOR WHICH THEY CONFIRMED MY E-MAIL ON XXXX XXXX THAT GBP   XXXX WILL BE CREDITED TO MY ACCOUNT BUT IT WAS ONLY THE POSTAGE COST OF GBP  XXXX AND GBP  XXXX WAS CREDITED TO MY ACCOUNT. PROOF OF THEIR CORRESPONDENCE CONFIRMING THE REFUND VIA EMAIL IS AVAILABLE WITH ME SHOULD YOU REQUIRE SAME. 

HOWEVER, I HAVE MADE NUMEROUS TELEPHONE CALLS AND SENT NUMEROUS EMAILS REQUESTING THE REFUND OF MY MONIES BUT UPTO NOW I HAVE NOT RECEIVED THE GOODS NOR HAVE I RECEIVED THE REFUND. 

WOULD APPRECIATE IF YOU COULD KINDLY LOOK INTO THIS MATTER AND GIVE ME A FAVOURABLE RESPONSE WITH REGARD TO MY REFUND. 

THANK YOU
Consumer complaint received 2021-11-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX Date XX/XX/2020 ;
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I get two pensions and Social Security and when these checks are due if the date falls on a Saturday or Sunday they dont release the money till the following Monday. Other previous coworkers get all there checks from same pension fund on time from two different banks
Consumer complaint received 2021-11-15
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: Penn Credit Corporation (NY)

I recently received a fraudulent collection account on all three of my credit reports, XXXX, XXXX and XXXX from a collection agency called " PENN CREDIT CORPORATIO '' original creditor being " XXXX ''. This is the exact spelling on my credit report. The alleged balance is " {$920.00} ''. I discovered the alleged collection item on XX/XX/21. I have no knowledge of this account and it was placed on my credit report inaccurately. I have reached out to all three credit bureaus including the collection company with no response yet. I believe I may have been the victim of Identity theft and I want this matter resolved immediately as it is affecting my ability to obtain credit.
Consumer complaint received 2015-04-28
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: C & M Associates Group, Inc. (SC)

Caller was from XXXX and XXXX. Called me on my cell phone which I did not provide express consent to call with an automated dialer. This is a violation of the TCPA. The name of the organization left in the automated message implied a lawfirm, which is in my opinion unfair and deceitful. When I returned the call, I was informed this was a purchased debt from a XXXX deficiency, and is way past statute. I was not given the mini-Miranda, was not provided a written notice within 5 days of my right to dispute the validity of the debt. FDCPA violationsVerbally informed them they do not have my consent and if they thought they did, I revoke permission to call me on my cell phone.
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (MO)

I ordered products from XXXX XXXX XXXX and paid for the original order on time. After that, XXXX sent me additional products that I did not order. They were not cooperative when I contacted them about taking these unordered products back. They 're still trying to collect the payment for these unordered products even though I told them I never ordered them. I now have a collection agency contacting me about this payment.
Consumer complaint received 2022-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (WA)

Hyundai Motor Finance is attempting to charge me extra fees to make a payment. I attempted to pay my bill online at XXXX XXXX XXXX  The website gave the following message when attempting to make a payment to my loan account. It told me, Payment not completed. Please verify bank account number is correct and resubmit. If issues persist contact your bank. 

The account number is XXXX I called Hyundai Motor Finance and spoke to a representative by the name of XXXX. She stated that there is an issue but couldn't not tell me why. Instead she kept insisting that I pay either {$3.00} or {$7.00} to make a payment over the phone. {$3.00} is through their automated system and {$7.00} is via the representative. I told her I shouldn't have to pay because the issue is with their website. I asked if she could waive the fee and she said no. I asked to speak to a supervisor and again she said no. She said if I wanted to speak to a customer service representative I would need to bring my account current. To clarify, I was on day XXXX of my 10 day grace period. I stated its outrageous to charge me a payment fee when there is an issue with your website. 

My complaint is trying to attempt to charge me extra fees for simply accepting a payment. I made previous payments with this XXXX XXXX checking account without issue and there was no history of returned payments or NSF checks. If there were, I would understand, but there was no such history. 

I have since sent them a check, but I feel they are creating unnecessary obstacles for customers to pay on-time payments and charging extra fees for simply making their payment. Please investigate.
Consumer complaint received 2019-01-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

HELLO I'M HAVING PROBLEMS WITH THE BANK CITI BANK THE DAY XX/XX/2019 A PAYMENT OF {$1000.00} WAS ALLOWED TO THE COMPANY XXXX BUT THE MONEY NEVER RECEIVED THE {$1000.00} DOLLARS ALREADY CALLED MULTIPLE TIMES TO CITI BANK BUSINESS ONLY I CAN ANSWER THAT THEY ALREADY DELIVERED THE MONEY BUT THAT IS LIE XXXX STILL DOES NOT RECEIVE THE PAYMENT THE {$1000.00} WAS PAID TO THIS COMPANY FOR THE FINANCING OF MY VEHICLE THE COMPANY GAVE ME A CHARGE OF {$100.00} FOR LATE PAYMENTS BUT I NEVER PAY LATE IT WAS CITI BANK BUSINESS THAT I DO NOT DELIVER THE FUNDS AND I DO NOT KNOW WHERE THEY WANT THIS COMPANY TO PAY ME ALL CHARGES THAT I GAVE FOR CITIZEN OF CITI BANK ..
Consumer complaint received 2022-05-20
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)

In the 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 Account Name : XXXX XXXX XXXX Account Number : XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX  Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : 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. 

15 U.S.C 1681 C. ( 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 more than seven years. 


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