davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I buy a brand new 2023 toyota XXXX  last year, and they insisted in adding extras extended warrantys, and windshild protection, and wheels protection. I say no to all of this but they insisted and toll me i would be able to cancel thme at any time, so when i try to cancel they said to wait longer until the process became solid, so i call back im about 2 months and still insisted in keeping this warrantys, so i like to get help on this situation because i feel like they abuse, for me to be a new and first buyer
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I didn't know much about credit and when I decided to learn about my credit and check my score, I was shocked. Someone took a lot of credit using my information. 
There are accounts on my credit report which are the result of identity theft. I have not applied for any of these accounts XXXX XXXX Account Number : XXXX Opened XX/XX/2022 XXXX XXXX Account Number : XXXX Opened XXXX XXXX,XX/XX/2022 XXXX XXXX XXXXXXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX Opened XX/XX/2022 There are also inquiries that I have not applied XXXX XXXX XXXX XXXX XX/XX/2022 XXXX of XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 These address and phone numbers are not mine as well Addresses : XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX Phone numbers : XXXX, XXXX I am attaching FTC identity theft report and driving license
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (MS)

So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (MS)

So I pulled my credit report around XXXX XXXX 2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XXXX XXXX 2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help.
Consumer complaint received 2022-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Someone acted as a broker name XXXX XXXX XXXX, succeed to convince me regarding XXXX  investment. He/she has fake website XXXX XXXX XXXX and was communicated with me through XXXX XXXX XXXX XXXXXXXX. On XXXX XXXX XXXX  he/she guided me to open coinbase account and wired money to bitcoin. This is the first time I was doing XXXX  and I don't have any idea about wallet. So after the money wired to coinbase, she/he told me that coinbase will send me the wallet address. To trigger the wallet id from coinbase, she/he instructed me to sign up on XXXX XXXX XXXX  which is a fake wallet company that coinbase was failed to recognize and authorized the bitcoin transfer without any warning. 

Unfortunately, the scammer was able to send me wallet address id which was seemed came from coinbase with coinbase logo on it and I sent all the money to the address XXXX that was emailed to me and popped up on XXXX.XXXX  Then he/she asked me the login username and password which I refused to give and advised me to withdraw the money which is then I realized I was scammed because I was not able to withdraw the money at all. I was not aware at all that he doesn't need the login anymore because all the money was already sent to him and gone. I tried to reach out to him/her and he/she is still online on XXXX XXXX  with number XXXX. He/she is not willing to return the money, never replied my XXXX  messages despite his/her status on XXXX is still online until this day. I reported this fraud to few gov website for fraud but yet the scammer website is still online and ready to get more victims. On the other hands, coinbase company has failed to identify fake wallet and refused to help returning the money despite all transactions from the fake wallet was available on their blockchain.
Consumer complaint received 2020-06-11
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. (FL)

I sent out letters certified over 30 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding.
Consumer complaint received 2020-06-11
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: Fidelity National Information Services, Inc. (FNIS) (CO)

I have complained a lot with XXXX  about all those inquires on my report that I didnt do and lately I havent been able to reach them. Ive written letters time after time and XXXX.
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 ACCNT # XXXX XXXX XXXX ACCNT # XXXX XXXX ACCNT # XXXX
Consumer complaint received 2022-10-05
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. (FL)

Transunion alert states that i recieved a hard enquiry on my report from " XXXX XXXX ''. no idea who it is, they can not tell me who it is and phone numbers ask to leave message
Consumer complaint received 2020-06-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

We had an appointment to close on our Refinancing on XX/XX/2020, but due to the covid19 we were afraid to meet Notary in a public place. ( My husband has a XXXX XXXX ) So the only day we could close was the XX/XX/2020 at our home. Freedom Mortgage ( my current lender at the time ) was suppose to be paid-off from XXXX ( new Lender ) They did not get their payoff until the XX/XX/XXXX. The Mortgage companies blame each other and myself. Freedom Mortgage reported to Credit Bureau that I had a late/ or missed XXXX payment. This really dropped my score, lowered one of my credit limits and I could not return my leased vehicle to get another one. I am a XXXX XXXX XXXX Veteran with XXXX  difficulties and I did not understand about this payoff system. I was told by XXXX XXXX XXXX not to pay XXXX and XXXX payments because it's to be paid off. Please Help Me. This was not my doing, my credit is all messed up and I am very XXXX. Can you PLEASE REMOVE this late/missed payment from my credit report?? Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Hi, For many times now, I have been getting fraudulent charges on my account. up to {$8000.00} dollars ' worth of. I told them to change my account number they neglected to and then I opened a savings account which they closed when they held my wire money for 2 months. So far, they are not protecting my money at all and are not reimbursing me.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Credit Acceptance is reporting on me and my husbands XXXX credit reports that {$3300.00} is owed but the account was resold at auction. Credit Acceptance was supposed to send us proper documentation of their Right of Redemption : including  amount of outstanding balance, deadline to redeem the loan, method by which to redeem or payoff Notice of sale : Intended date, time and location of sale of vehicle at auction. A description of how I can obtain an explanation of how proceeds of sale are applied to debt obligation and contact info to find out more information about upcoming sale. 
Post sale notices about if vehicle was sold being provided with account of how proceeds were applied. 
They havent provided me with the information that they were supposed to provide me with. It is my right to know what happened to said vehicle and why am I still been charged when I am not in possession of said vehicle. No docs about how much vehicle sold for, when or where it was resold.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help so i can qualify for a house.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

My wife and I contracted the XXXX XXXX in early XXXX my wife unfortunately XXXX XXXX XXXX. I was XXXX for XXXX XXXX and once I recovered I contacted Shellpoint Mortgage Company to let them know that I wanted to apply for forbearance due to hardship. My wife and I were on social security so I no longer have her income to help with the mortgage. I spoke with a XXXX XXXX at Shellpoint who was to submit a forbearance request for XXXX months XXXX, XXXX, and XXXX. I also discussed the options I wanted to know I had if I chosed to give up the property. The said he was gon na submit the forbearance paperwork and email me information re the different option available to me if I chosed to sell the property. He was to have an appraisal done on the property weeks ago and scheduled a call with me on XX/XX/2020 @ XXXX. I have not heard anything back from the Shellpoint Rep XXXX XXXX, he doesn't respond to emails on left voicemail messages. I have spoken to other Reps who basically give me the same run around as XXXX XXXX XXXX. has. There customer service is the worse I have ever experience in my life the unprofessionalism is otherworldly.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX is reporting on me and my husbands Equifax credit reports that {$3300.00} is owed but the account was resold at auction. XXXX XXXX was supposed to send us proper documentation of their Right of Redemption : including amount of outstanding balance, deadline to redeem the loan, method by which to redeem or payoff Notice of sale : Intended date, time and location of sale of vehicle at auction. A description of how I can obtain an explanation of how proceeds of sale are applied to debt obligation and contact info to find out more information about upcoming sale. 
Post sale notices about if vehicle was sold being provided with account of how proceeds were applied. 
They havent provided me with the information that they were supposed to provide me with. It is my right to know what happened to said vehicle and why am I still been charged when I am not in possession of said vehicle. No docs about how much vehicle sold for, when or where it was resold.
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

I received a telephone call from Credit Collection Services advising of an outstanding balance owed to XXXX, in the amount of {$1900.00}. I have a written statement advising of same. I instructed them that it wasn't accurate and that they needed to rectify the situation and provide the correct amount before I discuss the matter further. The representative insisted that it was the correct amount, and if there was an issue, I needed to contact XXXX. I told them that because they were contacting me, the onus is on them. They refused.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC (SC)

The collection agency is Collins Asset Group. I was not informed of this debt until it showed up on my credit report. I was not given a notice of chance to dispute the account or the amount that its stated I owe. I have disputed with the credit agencies and collection agency and still have not been sent information about the debt and that it is mine and what is owed on it. This is reporting to my credit and it is hurting me and they are not providing me with the information needed. The original company is XXXX XXXX XXXX.
Consumer complaint received 2020-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

I.Q. Data International, Inc. sent me a letter on XX/XX/XXXX stating that I owe a balance of {$910.00} from the XXXX XXXX ( NV ). I showed a zero balance after vacating the apartment on XX/XX/XXXX and even received a refund because I gave proper notice. This debt collection agency advised me to get a letter or written documentation from the apartment manager. On XX/XX/XXXX, I went to XXXX apartments to get documentation. The apartment manager told me they do not provide that but that I could call them back and let them know that I will send a copy of my refund stub as proof. So I had my mother speak this time and the first person she spoke to ( agent XXXX ) was very unhelpful saying that this would not be sufficient and that they are already sending me to collections. This upset my mother who stated she would file a complaint and the representative was even more rude saying to go ahead and file. She then called back and spoke to a Supervisor, XXXX, who immediately began speaking with an attitude before my mother could explain the situation and told her that she is disconnecting the call since my mom was planning to file a complaint. She then hung up on my mom without even giving her an opportunity to try to resolve anything. This is totally unacceptable behavior. I then called the Corp office for XXXX and they are going to research this issue, but in the meantime, this debt agency is abusive and should not be sending me to collections for something I do not owe.
Consumer complaint received 2022-12-26
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.