davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
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 (IL)

Car was purchased and salesman deceptively added on two packages saying they came with the car already. I have package that does not work. XXXX doesn't exist. I have tried to call and email them, even Toyota has tried to call them only to be sent to voicemail from two different phone numbers. The website they created to submit a claim only responds with an error 500 code. I don't even think they applied the XXXX to the car because unlike the product advertises " Our hydrophobic chemistries are specifically formulated for maximum stain protection on leather/vinyl surfaces as well as fabric/carpet ''. There was a water spot stain on my seat on the first day I received the car. Again, the stain was already in my seat and the dealer said I could contact XXXX to fix it. Its been over 2-3 weeks and all Toyota financial has done is say they will call me back and then never call. I just want my money back for this bogus package that wasn't even applied to the car and doesn't work. There was also an employee there who sent an inappropriate picture. At this point we have begun research on looking info auto fraud. If that is the only way that we can actually achieve a resolution for this situation, with this picture we probably can get the entire car paid off. Is that what you want Toyota, I'd love it for you to pay off my car.
Consumer complaint received 2023-01-23
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. (WI)

i contacted transunion as well as creditors to try and get down to the removal of the inquiries involving a removal letter but no one i contacted helped me reach a solution. all companies were contacted on XX/XX/XXXX. after several unsuccessful attempts the inquiries remain on my credit file. 


unauthorized inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC (VA)

I was notified by official mail addressed to me that I was to pay a debt not incurred by myself, but by result of someone acting as myself via using my personal identity in order to create a credit account with a consumer financial platform. I'm actively working with the appropriate agencies as I'm disputing the debt as a result identity theft, as I did not incur said debt that I was notified to pay.
Consumer complaint received 2019-12-13
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. (OH)

XXXX XXXX XXXX opened a fraudulent savings account in my name. After learning of the fraudulent savings account I am mediately froze my three credit bureau reports and contacted the credit union. Someone from their staff informed me that the information would be removed from my credit file and that they had received the dispute from the credit reporting agencies. Shortly following the conversation with one of their representatives I received a letter from the credit reporting agencies telling me that the information was verified. I attempted to contact them again but to my avail no one would return my phone calls after being transferred to numerous voicemails. 
Finally I spoke with someone in their freight department who had informed me that once again they had received my dispute from the credit reporting agency but they would not remove the account because they acquired my ID. Additionally I asked what was causing the balance on the account and they informed me that it was a fee. I asked them if they could remove the fee to have the information removed from my credit report because it is reporting negatively. They are refusing to remove it from my credit report because they say they are saying the {$30.00} fee is in another department even after I explain to them that I was not the one to open the account. They have refuse to delete the account from my credit report although I have submitted FTC reports along with a police report to them and the credit reporting agencies. They told me that my police report was insufficient and that I needed to come to Kentucky although I live in Ohio and traveling to Kentucky would not be an option. I have never done business with them and did not authorize the opening of the incorrect account on my credit file.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (TX)

I have been disputing this account with Wells Fargo from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

I put in with a outside company for a personal loan, of course I had to give them my personal information, I was told I was approved, then hours later I noticed money in my account, figuring this was the money I applied for, I started to use it, only days later I checked my account and it was negative and after calling the bank was told I had called them to reverse all of my payments made to my creditors, I explained it wasnt me, why would I say I want to reverse all the bills I owe, I feel the bank didnt protect my finances, they shouldve made sure it was me by calling my phone, also voice recognition is what they claim to use, well it wasnt my voice, this is the stupidest action ever to reverse charges because the members ask. Now I can never have another account cause XXXX cant afford to pay this money back. I wasnt familiar with this type of scam, but the bank is and they were of no help for me as their client, they should be held accountable.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed this before and still it shows on my credit reports. This is not mine, I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I sold my home XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/2020. Prior to this I did a loan modification with Wells Fargo because I was behind on my payments. I believe additional fees and costs were added to the loan when the modification was completed. When I sold the home the total owed due to modification was approximately XXXX. I was no where near delinquent to this amount Prior to the modification.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is an issues with account balances, payment history, and with old accounts that should no longer appear on the credit report. I have disputed accounts multiple times, and the dispute results say that the account is updated to no longer be delinquent, but then my report still shows them all as delinquent. 

Additionally, there are accounts on there that are over XXXX XXXX XXXX, which have reappeared with a more recent date.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MD)

I received a letter in the US Mail on Saturday the XXXX stating I owed {$430.00} to PayPal. The reference number they gave me is XXXX and the account number is XXXX. I check my PayPal account and it show no outstanding balance. I contacted PayPal an confirm this. I believe XXXX XXXX XXXX XXXX is phishing to get me to pay when I dont owe any money. I contacted the collection agency and they said they are going to close this inquiry and sent it back to PayPal fraud department. This whole scenario sound like possible fraud.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

My name XXXX XXXX. my SSN is XXXX. I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but or immediately or delete the negative items but its seems your ignoring this. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you
Consumer complaint received 2023-01-16
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. (MD)

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 2023-01-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

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

XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 15 U.S.C 1681 section 602 A. states I have the right to Privacy! 5 U.S.C1681 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 items 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This company XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX # XXXX ) has put a {$4600.00} on my credit report and refus to step off.I worte letter to dispute to all 3 credit agencies to take it off and they refused as well. The XXXX sented me some copies they got from XXXX XXXX XXXX with fake amount of bogus charges and trying to scam me out of {$4600.00}. With this on my credit report it put a hardship on my credit being damage until I get this resolve.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NJ)

I have a zero interest if paid within one year credit card that was issued by Wells Fargo for an XXXX central air unit. I have automatic payments. I want to change the payment to increase it, but the Wells Fargo website says i can't change it online, but I have to call customer service. I called customer service and they told me they can't change the payment, they can only cancel the current payment and add a new one,  which will take 30 days to become effective. That means it would miss my next due date ( or as its 30 days, any consumers due date ), and I might be late on my payment, triggering all of the interest they forego when I pay my balance in full within one year. 
Very crooked customer service from Wells Fargo, the issuer.
Consumer complaint received 2023-01-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 15 U.S.C 1681 section 602 A. states I have the right to Privacy! 5 U.S.C1681 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 items 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 2023-01-16
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. (RI)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Upgrade, Inc. (MN)

I am having an issue opening up an Upgrade Rewards checking, savings, and credit card account. Upgrade is refusing to open up any accounts for me due to me having a current bankruptcy on my XXXX XXXX, XXXX, and XXXX credit report. Upgrade is discriminating against based on my race and me having a recent bankruptcy on my credit reports. Upgrade is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. I want Upgrade to immediately approve and open up a Rewards checking, savings, and credit card account for me online.
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc. (FL)

I recently sent GM Financial a Notice of Violation of 1006.6 Communications in connection with debt collection. They insistently send me emails at the most inconvenient times ; I am a very busy, hard-working woman and need not be disturbed with payment reminders between the hours of XXXX. GM Financial have sent 5 emails concerning payment reminders and payment status after XXXX and before XXXX. 

I sent them this Notice, attachments of the 5 emails sent from GM accounts receivable department, and attachment of my invoice for each email I am requesting {$1000.00} per violation a total of {$5000.00} plus 7 % tax rate totaling {$5300.00}. 

Please look into this matter since my consumer rights have been directly violated and I feel harassed with these payment reminders.
Consumer complaint received 2023-01-16
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. (SC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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. (NV)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-01-16
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. (NV)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I closed on my home on XX/XX/XXXX, and our homeowners insurance was paid in full at losing in the amount of {$2400.00}. My loan was sold to XXXX XXXX in XXXX, and they became our loan servicer in which they also paid our homeowners insurance of {$2400.00}. I made contact with Citizens and explained that our homeowners insurance was paid in full at closing. 

I was informed that the payment for the homeowners insurance was already sent and that there was nothing that could be done, and apply the amount of {$2400.00} back to my escrow once I received a refund from our insurance company. We received a refund and made a payment to our escrow in the amount of {$2400.00}. That payment should have cured the escrow shortage - {$1000.00} that was caused by Citizen 's failure to recognize that our homeowners insurance was paid at closing. 

Based on Citizens failure to properly apply our payment, they have sent us a letter stating that we have an escrow shortage and that our mortgage payment will change effective XX/XX/XXXX. I have called their customer service number multiple times and they are not able to locate the payment that was made in the amount of {$2400.00}. We have proof of payment, and i requesting that the payment is applied to our escrow immediately and our escrow is corrected along with our monthly payment.