davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Dear Consumer Finance Protection Bureau, I turned in a leased XXXX XXXX to XXXX XXXXXXXX a dealership in XXXX XXXX California and assigned the lease to XXXX  XXXX on XXXX. I was told the old lease would be closed by XXXX. 

Toyota Financial Services debited my checking account on XXXX for {$510.00} for the lease I had signed over to XXXX XXXX. 

I was told on XXXX that Toyota Financial received a check from XXXX XXXX in the amount remaining on the lease, which would allow Toyota Financial to close out the lease. Unfortunately I have no evidence that the check was issued or received. Today it is XXXX and the lease is still open on my customer account dashboard with Toyota Financial Services, which told me that the paperwork has either not yet been received or nor been processed. 

Today XXXX, my customer account dashboard with Toyota Financial Services shows me as past dueon my old XXXX lease, notwithstanding that I was debited for my XXXX payment on XXXX. I fear that the false information posted by Toyota Financial will affect my credit rating. I feel like I have been treated like a ping pong ball between the XXXX XXXX XXXX and Toyota Financial having contacted the former at least 10 times and the latter at least 4 times by phone and opened 4 support requests. Please help me get an adequate response from Toyota Financial Services. Thank you. XXXX XXXX
Consumer complaint received 2020-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

On XX/XX/XXXX I tried to use my debit card and it was declined due to insufficient funds. This was very odd to me as I knew what the balance in my account was. I left the store and while I was in my car I contacted USAA and stated that there was a charge for {$4500.00} on my account and I did not authorize it. XXXX XXXX told me that by Friday the XXXX the funds would be returned to my account. I stated this needed to happen as my payroll was set to be deposited and I also had bills coming out! The limit on my card is not even {$4500.00} so the card should have declined. my account is now over {$3800.00} in the negative! I called USAA on Friday as I did not see it returned and I was told there was a letter on my USAA app ( I checked and I did not ) Still nothing as of today XX/XX/2020. I was told that because my debit card had a chip on it there was nothing I could do! I did not choose to have a chip ( it was mandated ) On XX/XX/2020 I ordered a new card as I had left my purse in XXXX and when I went back for it it was gone!
Consumer complaint received 2020-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent in a dispute to have an account verified by Transunion almost 60 days ago, then another asking them to comply with verifying this account or removing it and I have received no communication back. 

I also recently received a letter from the court that this account came from that they do NOT send any information to any 3rd parties. So there is no way for this account to be verified and unless they prove otherwise and they haven't which tells me it should be removed. 

I will attach the letters I sent as well the letter I received from the courts.
Consumer complaint received 2020-03-15
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: WLCC (GA)

I'm a senior and a veteran that has been a victim of identity theft. On XX/XX/19, I received my TRANSUNION credit report that had the name and adverse info. of an identity thief, including several inaccuracies. I requested correction of 38 inaccuracies, including the fraudulent accounts opened by the identity thief. His delinquencies and new inquiries for credit caused my credit score to drop about 150 points. XXXX has adamantly REFUSED to make adjustments and increases to my credit score. The inaccuracies caused prejudice to my creditworthiness. The other two credit reporting agencies did not have damaging identity theft info. XXXX failed to alert me of the ID theft and fraud even though a fraud alert was on my credit report. I have been rejected for an auto loan as a result of XXXX 's obstinate refusal to correct the damage by this identity thief.
Consumer complaint received 2024-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (TX)

I never received a bill from this collection agency. This was a medical bill that the insurance agency paid late, but I never received a bill from the hospital or the collection agency for {$42.00} dollars. I need to know how to get this removed from my report because it is a medical bill under {$200.00} which I thought shouldn't be on your report anyway. If I need to pay it to have it removed I will do that. But I can't pay what I don't know about.
Consumer complaint received 2021-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from XXXX to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.
Consumer complaint received 2020-03-27
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)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my  credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

As a minor I had a Checking Account at USAA Bank which I continued to maintain after turning 18 years old. In XX/XX/XXXX, I closed my USAA account. Bank confirmed via email and SMS message that account was closed. 

On XX/XX/XXXX, my former employer, XXXX XXXX, sent my paycheck to my old USAA account. The paycheck was in the amount of {$250.00} As of this date USAA Bank has not sent the {$250.00} to me. On XX/XX/XXXX, I wrote to USAA, via certified mail, inquiring about my XXXX XXXX paycheck. There has been no response whatsoever from USAA.
Consumer complaint received 2021-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from XXXX to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.
Consumer complaint received 2020-03-27
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)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-03-29
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: CITIBANK, N.A. (FL)

I've recently disputed about this sears credit on all three of my credit reports XXXX, XXXX  and XXXX  on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my XXXX and and XXXX  account. The amount owed is {$1100.00} but has not been verified on my XXXX XXXX or XXXX   accounts.
Consumer complaint received 2020-03-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: VEROS CREDIT, LLC. (CA)

I contacted Veros Credit on XX/XX/2020, to have my due date changed from the XXXX of every month to the XXXX of every month. The person I spoke to on XX/XX/XXXX was able to change it and confirmed with me that my payments will be due every month on the XXXX, and my next payment will be due on XX/XX/XXXX. Considering the current pandemic, I am out of work from XX/XX/XXXX to XX/XX/XXXX. I tried to contact them numerous times before XX/XX/XXXX so my account is still in good standing, to receive some type of loan relief and extend XXXX ' payment to XX/XX/XXXX, but I was unable to speak to anyone. Today, XX/XX/XXXX I recieved a statement in the mail stating that my account is 22 days past due and now accrued a late fee. I contact Veros same day as I recieved my statement to get an understanding and fix any confusion as well as the late fees and due date change. Veros said they are unable to help to change my due date to the XXXX because XXXX is past due. They then offered to take a partial payment now and the remainder when I start working. I told them I am unable to pay anything right now due to me being out of work. The supervisor then said that he will defer XXXX ' payment to XX/XX/XXXX and I'm going to have to deal with the late fees later down the road. I am  unable to pay anything until The middle of XXXX after I start working again, but they failed to understand that and help my situation accordingly.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MO)

30 days ago I sent a dispute to Lexis Nexis about some information I did not recognize. I was told by XXXX that LexisNexis verified some Bankruptcy information. I do not agree with this information and since it has been over 30 days according to the FCRA - LexisNexis has to delete this information. I am not sure why I did not receive a response from this company.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2021-03-20
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. (CA)

I found out about these fraudulent accounts and activites and inquiries when I just looked at my credit report on XX/XX/XXXX these accounts and inquiries are not mines back in XX/XX/XXXX I had lost my social security drives license and birth certificate and ever since I'm getting fraud XXXX account # that begins with XXXX with a negative balance of {$0.00} is fraud XXXX XXXX account # that begins with XXXX Balance with {$1300.00} is fraud XXXX XXXX XXXX account # that begins with XXXX Balance {$400.00} XXXX XXXX account ending XXXX is a fraudulent account Also fraudulent inquiries that are on my credit report I never authorized these inquiries XXXX XX/XX/XXXX. 
XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

American Express is reporting a closed account with derogatory remarks without my authorization. 
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given said company, written, verbal and non verbal per 15 USC 6802 to report my personal information to third parties such as credit reporting agencies like XXXX, XXXX and XXXX.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (FL)

To whom it may concern : I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both XXXX XXXX standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. If you do not take action and comply with my request, I will have no choice but take legal action against you! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form SEQUIUM ASSET SOLUTION ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (CA)

I spoke with a crypto.com representative about my inability to recieve my card I applied for and provided the proper documents and never heard anything back from your company..at the time I was in the process of moving and used my business address, I also sent the proper documents..now im at my new location and still have not received my XXXX XXXX card. My name is XXXX XXXX and my new address is XXXX XXXX XXXX XXXX CA.XXXX. Please fix my issues..
Consumer complaint received 2020-03-27
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. (CA)

In XXXX of this year, we were reported 30 days late on our XXXXXXXX XXXX   HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of XXXX.
Consumer complaint received 2020-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Called ChevronTexaco customer service. Spoke with a person. Told her my issue. The person didn't understand. What I was trying to explain. I ask for a supervisor. They never came on the phone. Finally got disconnected. Date was XX/XX/2020. 
Then I tried XX/XX/2020, the company wanted me to chat online. That person wasn't helpful either, directed me to the dispute on to download but there isn't anything on for disputing late fees. I also tried to call and I was disconnected again. 
All I want is my {$28.00} late fee. I can show what I paid for the last 4 months. 
The payment is due on the XXXX You can see all payments were paid but not when ChevronTexaco credit card company says. 
This is what credit cards companies are doing now. 
You can't even look at your statement on line unless you request it. 
The company that takes care of ChevronTexaco is Synchrony Bank I pay my bill every month. I feel that they should care about their customers. 
I haven't used this credit card for a long time. 
I feel credit card companies don't care about customers at all. I don't think this company has dispute area. There wasn't a option.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In XXXX of this year, we were reported 30 days late on our XXXX XXXX   HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of XXXX.
Consumer complaint received 2020-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

I received a credit card from XXXX XXXX in 2019. I have made only 1 purchase. Several months ago I began receiving a bill for some magazines they claim I ordered. I began calling them to dispute the charges. Every month my bill grows and show late fees and nonpayment, which is adversely effecting my good credit scores. I was even told to contact the magazine company, which I did. 1 month the charges were removed only to be replaced the following month showing further late fees. The bills started around {$40.00} and now is {$160.00} on the XXXX bill. No one has resolved the matter nor do they seem interested in helping me. They also go under the name Comenity Bank and Comenity- Stage
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Profolio Recovery is reporting inaccurate information to all of my credit bureaus. I have no legal buying contract with them. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4.
Consumer complaint received 2020-03-27
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. (CA)

In XXXX of this year, we were reported 30 days late on our XXXX XXXX   HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of XXXX.
Consumer complaint received 2019-12-19
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019, 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.