davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (GA)

This company went into bankruptcy without signing over my title. Sold my loan to a debt collector that illegally repossessed my vehicle and personal items, but refuse to provide me with a purchase agreement.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

To Whom it may concern, I was the victim of identity theft and the Me-To-Me Scam. I had someone call me with the caller ID Chase Bank, they said they were a representative of the bank, and that someone was trying to make fraudulent charges, he gave me his name and badge #. They told me to send money to an gmail address that I thought was sending it to myself thru XXXX. I realized the next day this was not a bank Rep and I had been scammed to send {$500.00}.

I called the fraud department they said they couldnt do anything and directed me to XXXX, and said they couldnt do anything. Btw this was just 2 wks before XXXX. As I dug deeper I found out they had hacked into my XXXX account and set up a new account under my name, a bank account and I had to contact XXXX to please shut down the fraudulent account and my account because I was no longer receiving emails. They had also hacked into my yahoo account. Had to create a new account as I was getting XXXX XXXX/connected with Chase that they were trying to take more money. I went to the Branch they said they could do nothing but again tried to call the fraud department and they said they couldnt get the money back from the Bank that was set up because it was frozen. We tried XXXX again and thats what they told us. I found an article in the New York XXXX about this Scam and that the CEO of JP Morgan Chase made a statement that Chase would refund the money to the Chase Customers who were victims of the Me-To-Me Scam, however, the branch assistant manager escalated it to the claims department with the article and they called me and declined it again. I have had to contact all my creditors, change my emails, filed an identity theft on the government website, set up a new account and changed my direct deposits of my pay check. I am still battling this and I just feel like Chase made a false statement to the public and their customers who have been a victim of the ME-To-ME scam in the XXXX XXXX XXXXXXXX. I showed all kinds of proof of fraudulent email account, credit journey emails, even that the email is no longer registered with XXXX, and really just frustrated and upset I cant recover my {$500.00} which I thought Chase was protecting my money. I am considering withdrawing my money from the bank however this scam has hit every major bank. No one is listening or doing anything to help me to recover my {$500.00}.
Consumer complaint received 2023-03-07
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)

The following is not mine and I also had a credit lock on my Experian account, so I am not sure how all these inquiries happened. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/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
Consumer complaint received 2023-02-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

Dear Ally XXXX Offices, CC : CPFB and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : incorrect bonus I spoke XXXX this evening when I saw the getpaid bonus. I was told I was only being paid {$54.00} because I closed the 11 month CD and opened more. 

The funds remained in my individual name which the new month total {$50000.00} was brought in and funded on XX/XX/XXXX CD xxx XXXX. 
I was told there would be no issue closing the CD and opening another one as long as the funds stayed with ALLY. I continued to ask these questions and was re-assured that the bonus would be paid in full 1 % x {$50000.00} = {$500.00}. I have been a customer for many years and I even spoke to a representative last week who said if there is an issue to call customer service. I explained to XXXX during the call tonight XX/XX/XXXX @ XXXX PST. She was not willing to assist, open a research ticket, and was rude by just reading your terms and conditions. The {$50000.00} was a new CD in my name XXXX XXXX, XXXX were closed and transfer performed by Ally who on the recorded calls stated it would not effect my bonus, the funds remained in there the entire time through the period XX/XX/XXXX and are still in there as of today. I am looking for someone to rectify this ASAP. 


Please research this and call me at XXXX.
Consumer complaint received 2019-12-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC (MO)

I got a pay day loan from QC Financial Services for {$350.00} I was charged XXXX Annual Percentage Rate making the loan {$690.00} payable in 6 monthly payments of {$110.00}. I want an investigation into their practice of charging Usuary Interest Rates
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

XX/XX/22 I was scammed by XXXX XXXX XXXX XXXX XXXX for XXXX, I made a payment with XXXX that is incorporated with my NFCU online account, not the app! I paid the company ; but I did not receive Services. I then tried to solve with company but cant find a lead, then put a claim in with 30 days NFCU and the first claim was denied due no error found, then I requested another review of the 1st denial, with additional information sent inn and it was still denied I offered to get a police report, but the customer service reps said they do not need one..NFCU is not holding up to their part of there contract. " 0 '' fraud liability..My claim was not correctly investigated both investigations.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

I had unauthorized charges on my checking account from random strangers I didnt know that hacked into my account and sent XXXX payments to themselves. The totals equal {$7900.00}. I am working with truest bank in an investigation and Im hoping they will restore all the money to my account.
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (LA)

XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).
( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FEDChex Recovery, LLC (CA)

On XX/XX/XXXX, I purchased a textbook rental for {$110.00}. On XX/XX/XXXX, I submitted an order to purchase the payoff amount for the textbook for {$100.00}. These two purchases total {$220.00}, which was the full purchase price of the textbook. According to my records, the payoff amount of {$100.00} was already remitted to the XXXX XXXX XXXX XXXX XXXX. However, on XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX attempted to charge my account {$260.00} for this same textbook, which is egregiously erroneous. On XXXX XXXX XXXX  FCR Collection Services sent an email stating that the XXXX XXXX XXXX XXXX XXXX is its client and that the email is an attempt to collect a debt and any information obtained will be used for that purpose. 

Between XX/XX/XXXX and XX/XX/XXXX, FCR Collection Services identified my account number as XXXX. Then, the account number changed. Between XX/XX/XXXX and XX/XX/XXXX, the company identifies my account number as XXXX. These alterations in identifying my account with XXXX XXXX XXXX XXXX is misleading and a possible violation of fair collection practices. For example, if I paid an amount under one account number, FCR Collection Services may turn around and double charge under a different account number. 

According to my present understanding, I can not trust the credibility of FCR Collection Services to settle this disputed amount. Furthermore, I can not trust XXXX XXXX XXXX XXXX XXXX to settle this disputed amount because it attempted to charge {$260.00} in addition to the {$110.00} that I already conveyed to the XXXX XXXX XXXX XXXX XXXX. 

Therefore, I request a good faith management of the disputed amount pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2019-10-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

When I was contacted by this company I informed them that the credit card from XXXX XXXX is not mine and was opened in my name. they sent me a letter back regarding the validity of this account and was unable to provide me with anything. I contacted XXXX XXXX in regard to the account and they stated it was owned by the portfolio recovery associated. This collection account has appeared on my credit report and is erroneous and should be removed. I have request validation and have received nothing. Please remove this information from my credit report it is causing a hardship on my score.The company stated it would send me a detailed payment statement for this account but they could never produce that because I have never made a payment on this account as it was not mine
Consumer complaint received 2023-03-01
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: OneMain Finance Corporation (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Dear FTC, I am writing to file a complaint against Toyota Financial Services regarding their unethical business practices. I purchased a car and financed it through XXXX XXXX toyota and with their toyota financial department in that store on Date : XXXX with toyota financial ACCOUNT : XXXX. However, what seemed like a simple loan turned into a nightmare of deceit and fraud. 

Initially, I thought I was taking out a standard loan with Toyota Financial Services, but it became clear that they were more interested in making money off me through various interest fees. To make matters worse, the contract we signed was breached multiple times and they continually changed the terms of our agreement. I was pressured into returning to their loan office, where I was tricked into signing a new contract with terms that were not favorable to me. 

Despite my repeated attempts to resolve the situation, Toyota Financial Services continued to exploit my trust and deceive me. They added various extra fees to my account, and even after I had paid these fees in full, they still reported late payments and delinquencies to my credit report, which caused serious damage to my credit score. 

Their actions were not only unethical, but also illegal. I demand that Toyota Financial Services take full responsibility for their actions and compensate me for the harm they have caused to my credit and my financial well-being. 

I am writing to file a complaint against Toyota Financial Services for their unethical and illegal practices in reporting false information to credit bureaus. As a customer of Toyota Financial Services, I experienced late payments in XXXX California from XXXX, which caused late fees, but all fees were paid. 

However, I later discovered that Toyota Financial Services reported three late payments and two delinquencies to my credit report, even after I paid all the late fees. These false reports have caused severe damage to my credit history, resulting in denial or high interest rates for apartment rentals, car purchases, and business loans. These records will remain on my credit report for seven years. 

I have tried to resolve this matter with Toyota Financial Services, but their customer service representatives have been unhelpful and unresponsive. I have even hired credit repair attorneys, but to no avail. 

Furthermore, I have reason to believe that my finance paperwork was tampered with by a XXXX  male at XXXX XXXX Toyota after the paperwork was completed by a XXXX finance manager named XXXX. This action is illegal and adds to my frustration and mistrust of Toyota Financial Services. 

I request that the FTC investigate this matter and take action against Toyota Financial Services for their unlawful practices. I believe that their actions have harmed not only me, but potentially many other customers as well. Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have been trying to get these unauthorized inquiries removed for the last few days, but they are no available. They were unauthorized and fraudulent. Please help me remove them from my consumer report. I was told to submit a complaint to the CFPB because you could help me. I have sent in my FTC report and other documents proving this isn't mine. I didn't authorize this. These inquiries are damaging my credit score and keeping me from getting new credit ; I am looking to apply for new credit products as we speak. 

These inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-19
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. (LA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-08
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: CITIBANK, N.A. (NV)

I went to The XXXX XXXX of Nevada for a sleep study. There was an agreement for me to pay six ( 6 ) equal payments on the XXXX of every month for {$89.00}. For two consecutive months they billed me twice on or about the same day. When I noticed it, I disputed the second charge. The credit card stated they sent me a notice saying that the merchant responded and they required additional documentation. Even in my online account, it says two notices but there is only one. The second notice, I did receive and responded providing the contract of the payment arrangement. I am still waiting for a result by XXXX of XXXX  My issue is the first one, I never received notification because I would have provided the same document.
Consumer complaint received 2019-12-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MO)

Due to some unforeseen circumstances we have fallen behind on our mortgage and when we have contacted Mr. Cooper to set up some kind of payment arrangement and ask for a forbearance or a deferred payment they refuse. They told us that we have to have two payments and now it's three payments before we can save our house. They also told us we were not able to even make one payment because they refuse to accept it. They want a big lump sum and unfortunately that's impossible but yet they won't let us make our monthly payments now that we're on track. If we were able to make our monthly payments we would be able to get on track and keep the payment made every month. but they refused to let us do that so now we have fallen even further behind, and they said that they are foreclosing on our home.
Consumer complaint received 2023-07-29
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. (OH)

Disputed all three bureaus in the last three months and creditors did not correct. 
Loan default and anything that has a negative impact that resulted from the default is not allowed to be reported for loans in fresh start program. The Doe now has the loan and has corrected their history. This loan was in default with this lender since XXXX.this issue cost us 3 months of not being able to replace our dead car. I will be filing through her or small claims to be made wbole by fedloab and the bureau
Consumer complaint received 2023-03-08
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. (NM)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2007 ; XXXX XXXX  XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00}.