davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

Toyota Financial stopped sending us monthly statements since I settled my personal bankruptcy case several months ago. I was originally on the loan, but I did not declare my XXXX on the bankruptcy. We have been making every payment since we purchased the vehicle last year. 

I can not access my account information online because they denied access. I can not call them to see if the payments have been applied to the balance because they refuse to talk to me about the account. My mother can not talk to them because she doesn't speak good English. They have been treating me as a criminal since I declared bankruptcy even though I did not include the vehicle. My lawyer has tried several times to contact them, but they refuse to honor the request.
Consumer complaint received 2018-06-29
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. (TX)

**This is my 3rd time submitting this information. I received a confirmation email, however when I log in it shows that I have no complaints. 

I did not authorize XXXX XXXX XXXX to pull my credit. I never signed an application. I reported this to Experian because they are who I have credit monitoring through and to XXXX XXXX. I was told by Experian that I need to contact the creditor which I did but to no avail. There are two credit pulls from them. 

I noticed there is a XXXX XXXX inquiry on my report from 2017. I NEVER authorized a credit pull. Period. I have reached out to both Experian and XXXX XXXX but have gotten nowhere. 

XXXX pulled my credit twice without my authorization. It was only supposed to be pulled once but it shows a pull on 2 separate days. I contacted Experian and again was told I needed to contact the creditor. Did so but have not heard back concerning this issue.
Consumer complaint received 2021-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have disputed multiple times closed accounts on my report I have called XXXX, transunion and XXXX about this violations and have repeatedly been ignored these credit bureaus continue to try to validate these debts with the original creditors and all three of these collection account was paid off and full with secondary agencies who bought the debt I have stated this many times and I did not give permissible purpose for all of these items on my report was also told for secondary creditors that if accounts was paid items would be removed off my reports
Consumer complaint received 2021-01-28
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: Experian Information Solutions Inc. (CA)

I contacted Experian asking for verification of account : XXXX # XXXX. I just received a notification from my credit monitoring that this account was updated from showing lates for the month of XX/XX/XXXX and XX/XX/XXXX. The update reflects no lates on the account currently. This has taken place in the past then the lates were added. also this account shows open XX/XX/XXXX which is inaccurate, discharged through chapter XXXX bankruptcy which is inaccurate. They also reflect that the status was updated XX/XX/XXXX. Theres no monthly payment amount and the current balance is not reflecte.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (FL)

I had a target credit card many years ago. I was going over my credit report with my XXXXnancial advisor. We agreed that {$37.00} dollars was a petty charge-off and I should have paid it a long time ago. When I contacted the XXXX customer service line the representative informed me the report was inaccurate. She said a part of the payoff agreement was any late fees would be waived. She said the fees had never been waived. Target has contributed to the obstacles I have faced while trying to re-establish myself after a traumatic experience. I asked if I could have some type of confirmation of what we discussed, she told me that they didn't have a way to give me any confirmation that my account was paid off four years ago. The rep told me the pay-off will be reported the next time the company reported to the credit bureaus. 

I have tried to contact Target RedCard, but I can not get past the part of the automated system that asks me to dial my card number and press pound. I don't have a card number. I do not have an email address that works for me to reset my password to access my account.The carelessness of how my account was handled makes me feel like I was a victim of name and race discrimination by one of my favorite retail places.

I just spent {$200.00} in Target for house supplies and my XXXX XXXX XXXX effort to support pet abuse in the past week.
Consumer complaint received 2021-10-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC. (LA)

XXXX XXXX has a debt collection on my Equifax and Equifax wont remove or delete it from my credit report and XXXX XXXX keep updating and change the dates for this debt collections on my credit report constantly its {$55.00} and was paid by XXXX or XXXX. And they are costly Robo calling me.! And calling family members.
Consumer complaint received 2021-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MD)

Ive owed a credit card debit that I started a payment plan with Synchrony Bank who is works with a law firm bt the name of XXXX XXXX XXXX and they started the withdrawling the funds each month until the last payment was not released or never taken out of my bank account while the funds was in there to cover the payment. Then they waited a whole year to go by and take me to court for {$64.00} and send the company I work for a XXXX of wage notice by the Court house raising the amount to {$130.00}. I've found over XXXX of complaints on XXXX with these two company doing the same to many more customers just to get more money out of us! THIS NEED TO BE PUT TO A STOP and needs to reported so others customers dont have to deal with this.
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank (MO)

FIRST PRROGRESS was informed that a prepaid card acct was fraudulently opened under my name and {$500.00} stolen from me in XX/XX/2021. 
After weeks of calls, they finally submitted a fraud report and ultimately settled in my favor. 
My XXXX was taken out, I disputed with my bank and ultimately First Progress was allowed to keep my money. 
I want either my bank, XXXX XXXX, or First Progress to refund my XXXX money immediately. 
First Progress claims they don't have it, but the bank cleanly shows they do. 
I have a XXXX son and can not afford to lose this money. I am a month behind on rent since this happened!
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

On XX/XX/XXXX we received a loan estimate where Escrow payment at closing was estimated to be {$3000.00} by Rocket Mortgage. The banker ( XXXX XXXX ) we were working with informed us the estimated escrow had decreased because they confirmed that the property taxes had been recently paid. As a result of reviewing this estimate in its entirety and the information we received from the banker we made the decision to move forward with refinancing our existing mortgage through Rocket Mortgage. After having gone through the entire loan application process ( including running our credit ) and we are just getting ready to schedule a closing with them, we were informed by Rocket Mortgage that the Escrow payment had increased to {$5600.00} due to property taxes not having been paid for this most recent quarter ( see revised statement provided on XX/XX/XXXX ). They informed us that the latest information they received from their tax certification team was that we paid the property taxes in XX/XX/XXXX for the quarter ending in XX/XX/XXXX. I confirmed this with my current lender was correct with respect to the last payment made on property taxes. And while we expect the cost of those property taxes to be paid by our current lender any day now, which would be reflected at Rocket Mortgage as well, when we asked our assigned Solutions Consultant at Rocket Mortgage, XXXX XXXX, why was the XXXX property tax payment not reflected in the XX/XX/XXXX statement? The explanation she provided was that they collect escrow for 6 months. She also confirmed that the statement on XX/XX/XXXX only showed escrow for 3 months and she did not know why. This leaves us extremely concerned that we were deceived all along by Rocket Mortgage because if these were known constants all along ( they collect 6 months escrow and our property taxes remained as paid back in XXXX ) why were the escrow numbers from the XX/XX/XXXX statement intentionally displayed with 3 months of escrow due at Closing? When discussing our closing costs it seems clear that they had falsely decreased the value to make it more attractive than what it was to lure us into the loan application process. This was a bait and switch predatory loan process that we were only able to catch just as we were getting ready to close. We can only imagine how many other consumers have been deceived using these same predatory techniques.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

AGAIN I RECEIVED A LETTER FROM DISCOVER STATING THAT I HAVE NOT FILLED OUT FORM 4506-C THE VERY FIRST TIME I WAS JUST ADVISED TO SIGN MY NAME. 

THEN RECEIVED A LETTER STATING I DIDN'T COMPLY WITH THE DEMANDS. FILLED OUT FORM 4506-C FOR THE SECOND TIME AND UPLOADED IT HERE AS WELL. IF I NEED TO FILL OUT YET ANOTHER 4506-C YOU HAVE TO SUBMIT IT AS I INFORMED YOU BEFORE. BECAUSE ONCE YOU FILL IT OUT AND SUBMIT YOU CAN NO LONGER ACCESS IT. 
SO FOR THE RECORD BOTH HAVE BEEN UPLOADED AS PROOF IN THE COMPLAINTS I HAVE HAD TO SUBMIT. AS I AM UPLOADING PROOF OF THE SECOND TIME I FILLED OUT AND SUBMITTED FORM 4506-C. AS WELL AS NOTARY PAGE OR WHATEVER ITS CALLED. AND AGAIN NO HONEST NOTARY IS WILLING TO NOTARIZE BANK STATEMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. BECAUSE THEY COULD BE HELD LIABLE, FINED AND MAYBE EVEN JAIL. 
FOR NOTARIZING DOCUMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. AGAIN IM ADVISING YOU ARE DEMANDING SOMETHING THAT IS IMPOSSIBLE AND COULD BE ILLEGAL BECAUSE XXXX THE BANK THAT I BANK WITH DOES NOT HAVE A BRANCH IN XXXXXXXX XXXX. AGAIN I HAVE ADVISED YOU OF THIS NUMEROUS TIMES. AND IF DISCOVER HAS A NOTARY THAT WILL NOTARIZE THE DOCUMENT 'S THAT YOU ARE DEMANDING, PLEASE HAVE THEM EMAIL ME SO WE CAN SET UP AN APPOINTMENT. 

IM ALSO UPLOADING STATEMENT. WHEN I GOT APPROVED FOR THE DISCOVER CREDIT CARD XXXX I WAS LIVING AT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

SO NOW I HAVE UPLOADED THREE MONTHS OF BANK STATEMENTS AS YOU HAVE DEMANDED. NOTARY PAGE. 
AGAIN UPLOADING FORM 4506-C FROM XX/XX/2021 THE SECOND TIME THAT I WAS DEMANDED TO FILL OUT. BUT YET THAT FORM IS NEVER MENTIONED ..... EVEN THOUGH I HAVE SUBMITTED PROOF. 
I HAVE UPLOADED XXXX PROOF OF OWNERSHIP. XXXX DEBIT CARD XXXX BANK ACCOUNT. XXXX APP. DISCOVER CREDIT CARD THAT WAS ISSUED TO ME WHEN I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID AGAIN. UTILITY BILLS BEARING MY NAME AND PRESENT ADDRESS THAT YOU HAVE ON FILE BECAUSE YOU HAVE USED THAT ADDRESS FOR CORRESPONDENCE. XXXX STATEMENTS BEARING ACCOUNT NUMBER.. PAYMENT TO DISCOVER. 

I HAVE COMPLIED WITH YOUR DEMANDS FROM DAY ONE, AS YOU SEEM TO MAKE STATEMENTS OF INACCURACIES STATING THAT I HAVE NOT. 

PLEASE GIVE ME YOUR FULL NAME ADDRESS AND YOUR POSITION WITH DISCOVER AND THE TIME THAT YOU HAVE BEEN WITH DISCOVER FOR MY PERSONAL RECORDS THANK YOU XXXX XXXX AGAIN IF I NEED TO FILL OUT FORM 4506-C FOR THE THIRD TIME YOU HAVE TO SUBMIT IT ... BECAUSE ONCE YOU FILL IT OUT AND SUBMIT IT, YOU CAN NO LONGER ACCESS IT. 

AS FAR AS I KNOW I HAVE SUBMITTED EVERYTHING THAT YOU HAVE DEMANDED AND SO MUCH MORE.
Consumer complaint received 2021-10-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, Equifax, and XXXX. Thank you!
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Hello my name is XXXX XXXX XXXX. I am writing this complaint after reviewing my consumer report. EXPERIAN is reporting a bankruptcy reference # XXXX to my consumer report and I have no idea where they got this information from. XXXX is reporting a bankruptcy reference # XXXX to my consumer report as well. I have no idea where EXPERIAN and XXXX received this information from to put on my consumer report.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There seems to be serious error and or illegal reporting that TransUnion is being apart of for the 5 accounts listed under Dept of Ed/XXXX . TransUnion has failed to reply to orginal Certified letter dated XX/XX/21 regarding inaccuracy in their reporting of the 5 previous mentioned accounts that have been paid in full and closed. I have also sent a follow up Certified letter dated XX/XX/XXXX Not only have they violated federal law by not responding in the specified time, but they also failed to provide me with any viable evidence showing the account is being reported accurately. Please understand I am making a final goodwill attempt to have this matter cleared up. The said accounts need to be deleted immediately from my file. My next complaint will filed with the Attorney General 's office
Consumer complaint received 2021-10-24
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. (GA)

Reason : I'm disputing the company XXXX  XXXX XXXX, Account XXXX XXXX. I disputed this account of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The reason I'm disputing this account because of inaccurate payment history reporting across all three bureaus ( Experian, XXXX, and XXXX ). I contacted each bureau showing them how each bureau was showing inaccurately and inconsistently. XXXX is showing 60 days late for XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and 90 days late for the month of XX/XX/XXXX, But Experian is only showing 30 days late for those months. I also contacted Experian by Phone on Monday XX/XX/XXXX and was told they received the dispute on the XXXX of XX/XX/XXXX and the company had already responded with the information. That is a violation of the FTC Act as this account is reporting inconsistently and inaccurately. I also asked for proof of all of these late payments but I have failed to receive this proof from the company and the Bureaus.
Consumer complaint received 2021-10-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I have a checking and saving account under my name, as well as a family trust account, as a co-trustee, with Charles Schwab. We had a wire come into our Charles Schwab account on XX/XX/2021 from XXXX XXXX. This wire was a refund from an XXXX XXXX account, which was approved by XXXX XXXX. In terms of XXXX XXXX, they held onto the overpayment since XX/XX/2021 after closing the account. All payments cleared. After 60 days holding our funds, they approved the wire and sent it over. After the funds were sent over, as trust funds, they were moved from the checking to the brokerage account on XX/XX/2021. On or around XX/XX/2021, XXXX XXXX attempted to recall the wire transfer. It was denied by Charles Schwab since the account did not have any funds, as the wire was moved to the trust account, which I am a co-trustee. 

On Wednesday, XX/XX/2021, Charles Schwab prevented access to the account online for " our security. '' Charles Schwab said the accounts could be used using a debit card ; however, on XX/XX/2021, the debit cards stopped working and the account is still unavailable to log into online
Consumer complaint received 2021-10-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CNG FINANCIAL CORPORATION (SC)

According to the statue of limitation, in Arizona, the collection agency listed below posted an invalid account on my credit report of {$1000.00} on XX/XX/XXXX regarding a loan with Allied Cash Advance based in XXXX Arizona. I haven't lived in Arizona since XXXX, which clearly discredits the account that was wrongfully posted on my credit report, and in violation of the unfair debt collection practice which has a limit of six years. 

The reporting collections Agency is XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Contact ( XXXX ) XXXX
Consumer complaint received 2021-10-24
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)

Reason : I am disputing account XXXX XXXX account number XXXX in the amount of {$10000.00}. I reported this account before and the company states they haven't received any information from me. Well on XX/XX/XXXX XXXX XXXX received all the information I sent over to XXXX, Equifax, and XXXX via USPS. It contained the correct ID, and a copy of my police report. XXXX are saying they haven't received anything from me but continue to verify this account as mine when I have sent over the correct information numerous of times stating this is identity theft. XXXX has received my information through each bureau and are still saying this is a valid account and failing to update my credit report by deleting this Account. THIS IS A VIOLATION of the FTC. Also they have failed to provide me via usps mail or certified mail with the verification of this account. I have only received information via email from XXXX XXXX with a copy of the ID used to obtain this fraudulent account ( which is not mine ). Prior my last complaint, I emailed XXXX XXXX my correct ID along with the fraudulent one I received from XXXX XXXX. She only followed up saying " Ms. XXXX also sent this email to me yesterday as a follow-up to our response to the CFPB. Thanks!! '' I have called her at the number provided ( XXXX ) But it goes straight to her voicemail. I have to receive anything via mail from this company. I have sent them over everything possible proving this account fraudulent. This company has violated so many times as to not properly handling the dispute process and, reporting inaccurate/falsely information to ones credit report and reporting a charged off account every month as late delinquent just to name a few. The company blocked the account before on XX/XX/XXXX. Then the company rescinded the block on XX/XX/XXXX. I didn't receive a letter or anything stating the reason for the company putting the account back on my credit report but prior to me sending in my ID theft affidavit and ID back in XX/XX/XXXX, the company had all the correct information to delete the account from my credit report.
Consumer complaint received 2021-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tenaglia & Hunt, PA (MD)

Ive owed a credit card debit that I started a payment plan with XXXX XXXX  who is works with a law firm bt the name of Tenaglia & Hunt and they started the withdrawling the funds each month until the last payment was not released or never taken out of my bank account while the funds was in there to cover the payment. Then they waited a whole year to go by and take me to court for {$64.00} and send the company I work for a XXXX of wage notice by the Court house raising the amount to {$130.00}. I've found over 200 of complaints on XXXX with these two company doing the same to many more customers just to get more money out of us! THIS NEED TO BE PUT TO A STOP and needs to reported so others customers dont have to deal with this.
Consumer complaint received 2021-10-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (NC)

I have auto loan took out in Navy Federal for about XXXX on an XXXX XXXX XXXX. The thing is I don't even have an XXXX, I have a XXXX XXXX, but I'm make payments on an XXXX I never got. Could you contact navy federal in get this loan out of my name. I have to pay it because it's on my credit or it's gone affect it.
Consumer complaint received 2021-10-22
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. (PA)

To whom it may concern I noticed there are late payments and a past due balance listed under the collection account XXXX XXXX XXXX. From my understanding collection accounts are not supposed to include a payment history of late payments as I do not have any payment agreements currently set in place with this agency. This collection claiming a history of late payments is a false representation to my relationship with them. A collection is by default derogatory, this goes without say. Please delete this from my report immediately Thank You,