davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
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. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


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 I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C. Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.
Consumer complaint received 2019-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MO)

Paid medical bill in the amount of {$8.00}, check # XXXX on XX/XX/2019. This check cleared payee 's bank on XX/XX/2019. On XX/XX/2019 I received a phone call from Transworld Systems Inc. ( TSI ) in which they attempted to collect this debt a second time.
Consumer complaint received 2017-08-01
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: Experian Information Solutions Inc. (NC)

Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved
Consumer complaint received 2023-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (CO)

Hello, I recently took a loan with XXXX. They were supposed to send a debit card for their rewards checking feature. This debit card is how I planned to meet the criteria for keeping a lower payment. Problem is, I just made my XXXX  request for a card. Haven't received anything. 

They refused to refund me the extra portion of the payment due to me not being able to use the debit card to maintain the lower rate. I feel this is intentional to trick me into paying a higher rate. My bill went from {$490.00} to over {$550.00}. I can't afford groceries now. 

They said I could have switched my direct deposit and met the criteria or maintained a minimum balance. My only intention was to use the debit card for the XXXX purchases necessary to get the good rate.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (VA)

PNC Bank consistently failed to close my account when I asked them to so they could continue collecting fees for low balance. 

This will be the second complaint I've filed against them because they've also consistently failed to contact and follow up with me about this issue.
Consumer complaint received 2021-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Starting balance for XXXX XXXX vehicle was {$32000.00}. According to the Toyota sale contract, my interest rate is 6.99 %. XXXX was the first month I needed to make a payment in the amount of {$540.00} with {$320.00} going into principal payment and remaining into interest. I made two ( 2 ) additional principal-only payments in the amount of {$4900.00}. Payments for these two principal payments of {$4900.00} were posted on XXXX and XXXX. Toyota financial incorrectly added an interest fee on XXXX for the amount of {$5.00} and an additional interest fee for the 2nd payment on XXXX in the amount of {$4.00}. I had to call both times to have them correct the mistake of the interest charges which the entire dollar amount should have been towards the " principles only payment '' as I explained when I made the payments over the phone. 

According to a billing dept rep that I spoke to at Toyota financial, I should only be charged {$3.00} daily for interest. 

Base off my calculation, my current balance should be {$22000.00} not including the {$3.00} daily interest charge. 
My account history statement shows a starting balance of {$32000.00} on XX/XX/XXXX. I don't understand how my current balance is now {$22000.00} as of XX/XX/XXXX. If the daily interest fee of {$3.00} is applied daily, the total cost should not have went up too {$22000.00}, the calculations do not match. 
I have tried contacting toyota dealership for an explanation multiples times and have been unsuccessful.

I requested an amortization fee schedule to justify what hidden fees toyota is charging me and to explain the daily interest daily fee but have been unsuccessful in obtaining the document to break down the charges. The 3 times I requested the amortization fee schedule charges, they provided me with a cover letter only, not giving me a breakdown on what fees they are charging me for. 
It seems like they are overcharging me with hidden fees and no one is able to justify these charges at Toyota financial. 

Can someone please help me out. 
thank you, XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (TX)

This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2024-03-18
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. (CT)

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX  XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
1. This late payment status is irrelevant XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications made on the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (SC)

I filed a complaint with the CFPB previously about Navy Federal reporting incorrect information to the credit bureau. They contacted me within 3 business days and corrected the problem. Navy Federal is now reporting more wrong information and when I contact them they tell me that they dont see it. The incorrect information is on their site and on the 3 credit reports. The information theyve falsely reported is significantly bringing my credit score down. The amount is XXXX dollars with 8 late payments. Never ever made this charge and they wont allow me to close this account. I want that charge removed and my account closed. 

Please help.
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank called my cell phone multiple times in one day stating that my XXXX XXXX account was past due. I indicated to the representative that I made the payment and my account was current, which she confirmed. I told the representative that I was in a public pharmacy picking up my medication and that it was not a proper place to continue our conversation and requested for the multiple harassing phone calls that day to stop. The representative continued anyway and stated that she will put a do not call on my account, which I responded I am not requesting a do not call on be put on my account and went back and forth multiple times. The representative then stated that she could not stop the harassing phone calls and I then responded that if the harassment of phone calls did not stop I would obtain an attorney. From that conversation, without my knowledge or permission, Comenity Bank put a hold on my XXXX XXXX card and my XXXX XXXX card in order to hold my accounts hostage even though all payments were current. Today, I spoke with XXXX  from Comenity Bank and she stated that an attorney called into Comenity Bank stating that " he '' represents me and is speaking to Comenity Bank on my behalf. XXXX asked me if I hired this attorney to represent me and when I asked her what his name was she transferred me to XXXX her Supervisor. During our phone call XXXX stated that my XXXX XXXX and XXXX XXXX cards were put on hold due to saying the word attorney in my previous phone call, which I described in the beginning of this complaint. XXXX also stated that my accounts will remain on hold until I mail in a letter to Comenity Bank stating that I am not obtaining an attorney or plan on obtaining an attorney. Then XXXX informed me that he declined to have our phone call recorded due to XXXX 'XXXX   statement regarding an attorney calling in stating he represents me. He then stated that my XXXX XXXX account was charged off and asked me if I want the credit agency 's contact information that bought it. I have also filed a prior complaint regarding Comenity Bank 's collection tactics in regards to my XXXX XXXX account as well, which they have now charged off due to my complaint with CFPB and affects my credit score. I have requested account statements in it's entirety due to the questionable balance and still have not received them. I have attached a screenshot that shows my credit card limit and no spending availability, which affects my credit score. They have also lowered my limit on only my XXXX XXXX, which also affects my credit score.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A 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. Privacy act XXXX. XXXX XXXX account is reported as charged off which are considered income and income is not lawfully reported to my credit report.
Consumer complaint received 2022-12-18
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: EQUIFAX, INC. (NY)

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.
Consumer complaint received 2019-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

After noticing fraudulent accounts on my credit report, I filed an Identity Theft report with the FTC which is a Federal Law Enforcement agency. I sent a copy of that report and a letter to each creditor that opened an account through Identity Theft. As a result, all but 2 creditors honored my request and information and removed my liability for the debt. XXXX XXXX and Diversified Consultants continue to report the fraudulent debt and demand payments. A representative for Diversified Consultants acknowledged that the email address on file did not match  mine and was the first and last name of another individual ( XXXX XXXX ). They are claiming that my social and birth date opened this account therefore its a valid debt. The selfishness and lack of consideration by both companies is causing me continuous stress and I'm a victim of someone else 's wrongdoing. I followed each step legally and I believe these companies are responding illegally. They are attempting to make a profit by continuing to hold me accountable for someone else 's debt.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — Store credit 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. (MO)

I placed an order online with Home Depot for a XXXX that i paid for. They told me that I could track my delivery on the app. The delivery date changed a few times. But each time they made a delivery date to be delivered I waited all day until night and my XXXX never arrived. I was calling Home Depot trying to see what was going on. When i tracked the app the last time it said my vanity was delivered which was false because I still never received my vanity and Home Depot claim that they did their own investigation showing proof that it was delivered. They only provided screenshots of tracking but no signature that anyone signed showing any proof. They didnt provide a pic of them setting the vanity by the door or nothing. There was no proof because I never received my vanity from Home Depot. This is very unfair because I paid {$1400.00} with tax for a vanity that I never received at all. I feel like I have been scammed and taken advantage of. The delivery driver had to have dropped it off at the wrong address because I never received it and I want my money back. They claim my order was accepted on XX/XX/2022. They claim the order was scheduled and delivered XX/XX/2022. Which is incorrect because I never received my merchandise or my money back. Attached to this complaint is the receipt as well as the so called investigation by Home Depot. They forget to include real proof they only send me a computer print out which is not proof. I have been scammed.
Consumer complaint received 2023-01-22
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. (PA)

I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

In line with the FCRA 605-b, I request ALL the Fraudulent information be removed Immediately! I am being adversely impacted by this fraudulent information, I am a victim of identity theft.
Consumer complaint received 2023-01-22
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: DISCOVER BANK (FL)

DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Telephone XXXX DATE OPEN XX/XX/XXXX credit limit {$4200.00} charge off XX/XX/XXXX {$3900.00} Discover Bank has stolen my Identity and created securities in my name with out my consent.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Fraudulent account on my credit report. XXXX XXXX Bank account that is inaccurate and does not belong to me. I added the phone number that the account belongs to XXXX however my number is XXXX. I need this resolved.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-27
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. (CA)

On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : XXXX Letter Tracking # XXXX XXXX Letter Tracking # XXXX Transition Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

ACCOUNT IN QUESTION : # XXXX with XXXX