davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I have been working to pay off my loan with Toyota Financial Services. Over the last 30 days, I made over $ XXXX in payments to pay off the loan in its entirety ; {$6300.00} was paid towards the principal. I notice that when I made what I believe is my final payment in the amount of {$730.00} which was the balance of my account on XX/XX/2021, TFS still has yet to apply the payment to my online account. I scheduled the payment for XX/XX/2021. The payment and funds was immediately taken out of my account on XX/XX/2021. As of today, XX/XX/2021 the payment has not posted to my account and has been showing as pending for the last 5 days. Meanwhile, the TFS is steady accruing daily interest on the account. Whereas the balance should be XXXX, it is still showing an account balance of $ XXXX ( see enclosed ). This behavior from TFS caused me to revisit the account from its inception and I have notice this has been the behavior of TFS, i.e., immediately take the scheduled payment from my bank account, yet wait 3-7 days before posting the payment to the account only to accrue more daily interest. 

This is foul and corrupt corporate practices.
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DE)

I received a notification ( 3rd time ) that a collection was placed on my XXXX  credit report. The bill was from XXXX and I have NEVER had an account with XXXX. I wrote letters to the past two collection agencies and they removed the entry from my credit report. However, this company, CCS Collections has entered this collection on my credit report and refused to remove it.
Consumer complaint received 2021-07-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I wrote the three credit bureaus, XXXX, Equifax and XXXX  on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2021-07-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote the three credit bureaus, XXXX, XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

A debt collection company named XXXX XXXX XXXX sued me in court. Before court I sent a written request asking for a signed contract. I never received a signed contract. We went to court on XX/XX/2021. I told the judge I asked for a signed contract and I never received it. Consumers have rights. This is the second company that the debt was sold too. I didnt authorize them to purchase the debt and my personal information. The judge ruled in the debt collector favor but Im going to appeal. They didnt have the correct address in court. Its illegal for a collection agency to buy debt and come after the consumer. I need a signed contract.
Consumer complaint received 2021-07-29
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. (AZ)

On XX/XX/XXXX, I asked Equifax, XXXX, and XXXX to investigate validity of debt on certain items inside my credit report. No response from any of them by XX/XX/21. I Sent a letter to demand to comply on XX/XX/21 as they have 30 days they have to respond to disputes, which they haven't done.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (HI)

XX/XX/2021 Prepaid online to rent car from XXXX {$210.00} XX/XX/2021 Car rental agency charged my credit card on XX/XX/2021 {$260.00} XX/XX/2021 Contacted car rental agency and was told they would look into. 

XX/XX/2021 Filed dispute with my credit card owned by Barclays, Claim # XXXX. 

XX/XX/2021 Contacted by my credit card, instructed me to provide all receipts, credit card statements, bank statements, notices, printouts, etc and fax to XXXX of which I did. ( later learned I was given incorrect fax number ) XX/XX/2021 I contacted my credit card for status, was told my claim was closed because they did not receive required documentation as instructed on XX/XX/2021, was informed I had incorrect fax number and was given XXXX. 

XX/XX/2021 I refaxed all required documentation and mailed out hard copies as well. 

XX/XX/2021 I called credit card company to confirm all required documentation was received. 

XX/XX/2021 I received a letter from my credit card company dated XX/XX/2021. 
" After further review, we're not able to assist you with obtaining a credit to your account due to the following : " '' Insufficient proof that the merchant has violated the invoice/contract 's terms and conditions. '' '' I prepaid for a car rental and was then charged a second time for the car rental and my credit card 's notice dated XX/XX/2021 does not address this issues. 

I no longer have any faith in my XXXX Visa/Barclays credit card and need your assistance please.
Consumer complaint received 2021-07-29
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-07-29
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: SECURITY FINANCE CORP (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX SECURITY FIN XXXX ... XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-29
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX  XXXX ... XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent several letters to Transunion and XXXX  with no response to corrected addresses that do not belong to me on my credit report. 

Transunion is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  is reporting the following inaccurate addresses and names : XXXX XXXX XXXX UNIT XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-29
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: ACIMA CREDIT, LLC (CA)

XXXX XXXX has a charged off a car loan that doesn't belong to me. I have reached out to them multiple times as well as the 3 major credit bureaus. I haver asked to see the persons ID and the signed contract this has gone unanswered. from 3 credit bureaus and XXXX. the amount they claim I owe is XXXX XXXX {$7500.00}
Consumer complaint received 2021-03-23
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: EQUIFAX, INC. (TN)

XXXX  is reporting a charge off every month when it should be only reported once that it was charged off. Not that it has charged off 45 times which is impossible. They have XXXX XXXX and XXXX XXXX which I am sure are the same company reporting Charge off numerous times on my credit report. General credit was transferred to XXXX XXXX because of the building being closed down. I am asking that XXXX XXXX and XXXX XXXX be removed and deleted from my credit report immediately. None of the dates nor information lines up with the other credit bureaus. I have asked for a full investigation numerous time from all of these bureaus. Nothing has been resolved. I am asking again that the XXXX XXXX  and XXXX XXXX be removed for reporting inaccurate information. All 3 credit bureaus have different information and I can't tell which is accurate and inaccurate. When you compare all 3 none of the info matches but the balance. No dates match or info about the debt matches. Then I have receive a letter from a company called XXXX XXXX that I am assuming has purchased this debt.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (PA)

This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (NC)

I contacted the creditor listed on the credit reports and they informed me to contact Equifax. And some creditors did not have contact number to contact. 

I have tried disputing the issue with Equifax and they are stating I need a letter from FDC Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX XXXXXXXX XXXX XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXXXXXX XXXX XXXX Dispute this Dispute this XX/XX/XXXX XXXX 'S XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXXXXXX XXXX XXXX XXXXXXXX Dispute this Dispute this XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-07-12
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: DISCOVER BANK (CA)

I closed this discover account in XXXX XXXX XXXX and there was heavy fraud on the account and to find out the card was being used since and now has a high balance of {$11000.00}. And they're trying to make me responsible for this.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Without warning or justification, HSBC USA froze my account in XXXX XXXX after I deposited a check and after my direct deposit was paid into the account on XXXX XXXX. I was not given notification, and despite alleged claims that their fraud department told verbally that that thee check would be held 5 days that never happened and in reality the hapless overseas employees HSBC uses asa their back office rather than give me a timeline implied that there was no timeline they had to respect. I now see this is the case as 7 weeks from then they are still holding my money illegally and can not tell when I should be receiving it.

According to the regulations from the Federal Reserve bank that governs availability of deposits, as my deposit was a state check from CA not deposited in person the funds should have been made available to me for withdrawal no later than the second business day afterward what an HSBC customer service agreed was the funds availability schedule. and yet I was never given notifications to this day the only written notification I have received about my checks and direct deposit and anything having to do with my account being frozen has been in response to my formal complaint to regulators. HSBC has brazenly been in non-compliance of various regulations that dictate availability of funds for withdrawal, all of which stress that the bank has a duty to do it in a timely manner, and must notify me anytime they deviate from these strict guidelines ( XXXX ; XXXX ; XXXX ; XXXX ), and even taking into account the exceptions in XXXX they must still be made available to me in a timely manner. I do not believe HSBC had 'reasonable cause to doubt collectibility '', even if it had, that was answered when the check was paid. Keeping my funds for 7 weeks after this and not allowing me withdraw my money via ACH transfer violates my rights under regulations Especially since my account was not officially closed for the past 7 weeks. I think HSBC has so violated the spirit of the regulations that I am well within my rights to seek the maximum civil liabilities from them as outlined in XXXX.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I have disputed many times with Experian about my credit report and some loans that were effecting my score. I have provided them with all the necessary documents as my identity theft report and they still have not removed it from my credit. Its still showing a negative which effects my score tremendously.
Consumer complaint received 2021-07-28
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. (TX)

some one in XXXX  Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/2020 and the second one was on XX/XX/2020 same dealer ship XXXXXXXX XXXX XXXX XXXX  XXXX, Kansas Phone XXXX, I also did disputes on Trans Union, XXXX  and XXXX  but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.
Consumer complaint received 2021-07-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC (CT)

At end of my lease, rather than return the car to the BMW Dealership, I sold the car to a XXXX Dealership, from whom I was leasing a new car, for the total payoff amount due BMW Finance. I returned the plates to the DMV and cancelled insurance. 

The XXXX dealership contacted BMW Finance, which quoted them the payoff amount. The dealership wired the amount into the BMW Finance account -- which I have confirmed from both parties. 

Since then BMW Finance, however, has been harassing me.They state that because the XXXX dealership payoff was a couple of weeks past the end of lease date, BMW Finance has assigned approximately {$1200.00} in late fees. I have repeatedly informed BMW Finance that I no longer own the car and they should address underpayment, if any, with the dealership. As I see it, they entered into a contract with the dealership and accepted their payment. BMW Finance, however, says it shall hold me responsible for the dealership 's underpayment ( which is questionable ) and will continue to enter negative information on my credit report unless I pay it. They refuse to contact the new purchaser, the XXXX dealership. 

They have done so twice before. When there was a bank routing number mix-up for automatic payment, they first sent us an email acknowledging payment, then a follow up email indicating a bank issue to be resolved THE DAY AFTER THEY ISSUED A NEGATIVE REPORT TO THE CREDIT AGENCIES. I corrected the error immediately, but they refused to retract the negative report. This is spite of ten years of customer history. As a result, our otherwise good credit has been damaged materially. 

A quick perusal of XXXX and other reviews will reveal countless similar complaints about BMW Finance. They are seen as lacking good client service at best ; many reviews are much harsher..
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed many times with XXXX  about my credit report and some loans that were effecting my score. I have provided them with all the necessary documents as my identity theft report and they still have not removed it from my credit. Its still showing a negative which effects my score tremendously.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I pulled my credit report and seen that there all inaccurate information on my credit report Collection accounts that are

only on one credit report that i dont have any knowledge of.

Late payments and charge off accouts With different names and address that arent mine. 
From XXXX XXXX XXXXXXXX, and XXXX that is only showing up on equifax credit report. 
18 U.S. code 894
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (DC)

My balance has been the same for 3 months despite me overpaying on payments to the card earlier than the due date. The balance owed has stayed the same and the company Fortiva has not been crediting the payments to the card balance. If I made 3 overpayments and the balance was {$2000.00} owed, and my minimum payment is XXXX and I made {$300.00} payments 3 times, the balance owed should not still be {$2000.00}! Fortiva has refused to credit my last 3 payments to my account balance on account ending in XXXX.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MI)

XXXX XXXX XXXX Credit Card managed by Comenity Bank they are charging interest on {$0.00} balance accounts. I paid off my balance and received a {$2.00} interest charge. Paid the {$2.00} charge in addition to a {$2.00} late fee and another {$2.00} interest charge, my total payment was {$6.00} ( paid ) then I received another statement for {$2.00} interest charge on the {$2.00} that was paid the previous month. I since closed my account to keep from paying this {$2.00} a month interest on a {$0.00} balance account.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I made a payment on XX/XX/XXXX. Payment is still outstanding in my credit card. I called and they stated there is a hold until XX/XX/XXXX. I have proof that the payment cleared my account in XX/XX/XXXX. When asked all they said is that it part of your terms and conditions.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

Aspire Master Card sent my account to collections {$1200.00} I settled the account with XXXX XXXX XXXX for less than that leaving a balance of {$280.00} and they will not XXXX  out the account and still show a balance, This account has been closed for over a year. I have reached out to XXXX  and XXXX  3 times in the last 5 months regarding this issue and even though I send them my identity documentation and a letter of satisfaction from the collection agency called XXXX XXXX XXXX, they don't do absolutely anything about it and in particular with XXXX, a lady was rude and tried to lecture my on past disputes. I just want Aspire to honor the letter of satisfaction and XXXX out my account and report a XXXX balance to credit bureaus but everyone seem to be making it impossible when I call Aspire they do acknowledge all payments made through XXXX XXXX XXXX  however, they say I still owe them {$280.00}. Why is Aspire not honoring my settlement from XXXX XXXX? Crooks!
Consumer complaint received 2021-07-29
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: CREDIT ACCEPTANCE CORPORATION (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( THE FCRA ). Credit Acceptance Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).