davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2018 {$3000.00} incorrect Miss payments also I try to settle with the company but failed on the issue I offer to paid {$1000.00} that I only can afford because hardship ... Capital One sent me to their legal team a third party try to settle agreement but the lawyer/ secretary pushing for more money I do not have ... this mark on my credit reporting and stopping me from getting a new job and also getting out of hardship ... it was on the first credit card and I was naive how credit car 's work and I had got into a car crash and that's when my problem started
Consumer complaint received 2015-07-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Associates (VA)

There are XXXX medical collection that were paid from a judgement placed on my ex husband. Both have been paid off for few months. His credit report has them closed. Mine still has the same debts as open with full amounts owed. I contacted Piedmont credit collections that was listed beside the collection accounts. They acted like there was no information about it in their computers. I know they have handled it, because I contacted them and asked about how it would be handled when my ex got an email from his work about the garnishment. They had the information about it then. I even asked for any other info needed to pay off other items in my name and got the account numbers needed to pay those off.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

This issue started on XX/XX/2019 when I first made an attempt to contact Toyota Financial Services ( TFS ). I grew to understand that Toyota Financial Services is a federally chartered bank and that they handle most of their own legal issues. I am trying to inform them about a issue with one of their loans that I am currently involved in. The vehicle that I am financing is reported as Frame Damage. The used vehicle disclosure wasn't presented to me as structural damaged at the time of purchase. I told TFS about the calls that I've made to the Federal Trade Commission and the Attorney General. They transferred me to the XXXX department because I mentioned it was purchased at a XXXX dealership. Who told me they couldn't do anything about the issue and that I should contact Toyota Financial for the matter. I grew frustrated at this time because instead of  connecting me to the correct department I was bounced around due to key words which they are using any reason to transfer to issue to someone else. 
Fast Forwarding to XX/XX/2019 I called again trying to result this matter. I asked to speak to a supervisor seeing that I wasn't able to get anywhere the day before. A supervisor came onto the phone and now I am repeating my complaint for the 4th time after being on hold and then hung up on previously. The supervisor to connect me to the Toyota Headquarters. I spoke to someone in the Customer Experience Center which then I was told again that I need to contact Toyota Financial Services because the Experience Center is unable to help or find any documents involving my contract. I am simply requesting someone to handle this breach of contact and speak to someone about the next steps. It is highly unfair to be treated this way. I currently am financing a vehicle which is deemed : unsafe to drive '' with a balance over 60,000. 

I would like to exercise my " Right to refuse a contact '' their contract has been breached due to selling a frame damaged vehicle unsafe to drive noted by XXXX XXXX of XXXX XXXX, CT after doing routing service. The original dealership XXXX XXXX XXXX in XXXX, New Jersey should be penalized for negligence forcing their hand at vehicle buyback and closing the loan.
Consumer complaint received 2016-01-08
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Capital Accounts, LLC (GA)

This company continues to contact me at work after I have indicated that I should not be contacted at work. 

I requested all contact be in writing but they continue to call. 

At first it was a male calling me and I informed him I would contact the doctor 's office and he told me people like me was causing this doctor to almost have to close his doors because we refuse to pay our bills. Again I told him I would call the doctor and he said the doctor 's office did not want to talk to me. This is ridiculous considering I do n't owe this company anything.
Consumer complaint received 2019-07-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: JPMORGAN CHASE & CO. (NY)

I am trying to remove a lien from a boat title. We purchased the XXXX boat, used, in XXXX. There were no loan institutions involved in the transaction with a private party - we paid cash. When we received the title from NYS DMV there was a lien indicated on it. The lending institution indicated on the title ( XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX ) is no longer in existence. ( We have never done business with XXXX XXXX in any way. ) According to FDIC Bank Find, the XXXX XXXX XXXX became part of national Chase Bank in XXXX. At the advice of OCC Customer Assistance Group I contacted Chase Bank Customer Service today ( XX/XX/XXXX ) to try to track down the history of this lien. However, I was told that they don't have a department that does that. 

The NYS DMV ID for the boat in question is XXXX. The NYS DMV title document number is XXXX. The title was issued XX/XX/XXXX. 

I want to get the lien removed from the title because I want to sell the boat. We have taken out no loans for this boat. If there was a loan by the previous owner that is still active ( which I doubt ), we will then decide how to proceed. But first we need to know who holds the lien. 

I have attached the title in question. 

Any help you can provide will be greatly appreciated! 

Thank you XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2016-10-27
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC (IN)

FAILED TO VALIDATE DEBT, CALLED FAMILY MEMBER AFTER CEASE AND DESIST, XXXX ONCE AGAIN VIOLATED DODD-FRANK ACT OF 2009.
Consumer complaint received 2019-07-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX and Experian are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on the original amount that I owe however, the amount keeps changing and I have still not been provided with any itemization and/or any documentation as to what the additional sum of money owed is for. This false reporting is harming my credit score.
Consumer complaint received 2019-07-11
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. (CA)

The following accounts belong to someone else and they were fraudulently put on my credit report : 1.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1900.00} 2.  XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1000.00} Both accounts are not mine and I have disputed them with each Credit Reporting Agency ( XXXX, XXXX, and Equifax ), and also with XXXX XXXX XXXX. The accounts were fraudulently blamed on me, but belonged to someone else that rented that apartment prior to me living in it. I complained to both the XXXX XXXX company and also the Texas Consumer Commission regarding my concerns about an apartment that had been damaged and rented to me in duress. After I moved out the apartment was left in a better condition than what I rented it. I have provided attachments to support my claim against both the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, and I am requesting that both accounts be removed from my credit reports at all Credit Bureau Agencies and Credit Reporting Agencies due to my Consumer Rights and Fair Credit Reporting Rights.
Consumer complaint received 2018-05-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

bill is being paid every month,300.00 -- -400.00 a month, they stated not enough.threatened to garnish my wages, wants my employer phone number, has called my parents home saying they have a right to.my parents phone number and my mothers phone number are unlisted numbers, have asked them to stop.
Consumer complaint received 2019-07-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2019 I submitted my first initial dispute due to incorrect and erroneous account information reflecting on my credit report. I asked the Bureau to provide me with THE ORIGINAL CONTRACTS on file between I and said creditor/s. The bureau responded to dispute as either verified or accurate, however they did not supply their Methods of Verification or the ORIGINAL CONTRACTS on file between I and said creditor/s. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the Credit Reporting Agency and this Agency has VIOLATED that right by not supplying any explanation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. However, they have not, and have broken the law. I DEMAND these accounts be REMOVED and DELETED.
Consumer complaint received 2019-07-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EMBRACE HOME LOANS (GA)

As per complaint #, XXXX was closed because the company agreed to pay me monetary relief of {$510.00} on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the {$510.00} monetary relief as promised. Please reopen the case against them. Please see the initial complaint below. 


YOUR COMPLAINT Contacted Embrace to refinance my mortgage in XX/XX/XXXX, I paid for the appraisal and it was ordered by embrace and conducted early XXXX. The process went on for an additional three months. After sending various loan documentation I realized they were stalling, treating me unfairly and discriminating. I provided everything they asked for in a timely manner. After I realized that this re-finance wouldn't get done by them, I requested a refund back for the appraisal and was told It would be refunded back within two business days. After sending several emails inquiring about the status of the refund, I finally received the refund 3 weeks later. I was able to find another company to refinance my loan and was able to use the appraisal that was mailed to me by embrace. Once I submitted it to the new company I was told it was not the complete appraisal. It should be in color and with the SSR. Which should have been supplied to me once paid for and appraisal completed. Via mail or electronic which they held. I contacted embrace and was told that the entire file was sent and it wasn't. First, we were told it would be {$50.00}, that changed to {$510.00}, I originally paid {$460.00} so they withheld the appraisal report and said they would only provide or release it unless I would pay for it again more than the original cost. They refused to take my credit card but stated they would take a check from city worth on my behalf. I paid XXXX {$500.00} and XXXX paid embrace for the complete appraisal. Attached are the correspondence between Embrace, XXXX my current lender and myself verifying these statements. Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-07-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I disputed the inaccuracy of an bankruptcy that was on my credit report with all 3 credit bureaus. XXXX was the only on deleted the inaccuracy from my credit report. XXXX and Equifax are still reporting it as being verified but want state how they are verifying it. I have disputed it several times with my lastest being XX/XX/XXXX. I tried again in XX/XX/XXXX but they are not letting me dispute again and keep saying it's verified. This is the message I keep getting from them : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have been going back and forward with them about this for the last 6 months. On both of my credit reports it shows no numbers or account numbers to even verify the information so how is it even being verified as they are saying.
Consumer complaint received 2019-07-11
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. (GA)

I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY   CH-XXXX  account ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1981
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (CA)

On XX/XX/XXXX I notified XXXX XXXX  that I was the new trustee for the Estate of XXXX XXXX XXXX and that XXXX XXXX XXXX the trustee before me had passed away XX/XX/XXXX due to a target car accident. I also entered into a repayment plan with XXXX XXXX  on XX/XX/XXXX effective XX/XX/XXXX which was expected to last 12 months. The last payment XXXX XXXX drafted out of my account was on XX/XX/XXXX in the amount of {$490.00}. The loan was transferred to FCI Lender Services , Inc. effective Thursday XX/XX/XXXX but according to FCI Lender Services the loan was transferred by XXXX XXXX with very little information. FCI claims they do not have records of the repayment plan or the XXXX XXXX XXXX which shows that I am the Trustee of the estate and is handling all administrative matters. I have received a statement dated XX/XX/XXXX which shows late fees in the amount of {$60.00} have been assessed to the account and a second notice dated XX/XX/XXXX telling me I am delinquent and need to remit a total amount of {$1300.00}. 

After several attempts to locate my account manager XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and the XXXX I finally spoke with a representative today on XX/XX/XXXX by the name of XXXX who tells me that unfortunately XXXX XXXX did not send in evidence of the trust and the repayment plan I entered into with XXXX in XX/XX/XXXX. XXXX confirmed that they can not reach out to XXXX XXXX on my behalf. I then immediately call XXXX XXXX and was told that they had an entire servicing team which FCI can contact and request clarification if there are any missing documents. 

I have attached the most recent Payment Statement sent by FCI, and the Delinquent Payment Reminder notice. I have included evidence of the repayment plan I entered with XXXX XXXX as well as my last bank statement showing the payment that was made. In addition I have also attached evidence of the living Trust. I will also be faxing this information to FCI Lender Services at XXXX. 

I am requesting that FCI waive all late fees assessed on the account, authorize me as the Trustee of the Estate of XXXX XXXX XXXX, and honor the repayment plan that I entered into with XXXX XXXX. If FCI has additional questions I am requesting that they reach out to XXXX XXXX. 

I am also requesting that XXXX XXXX  send me a payment history of my account as well as send all relevant information to FCI.
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (GA)

I submitted my letters to the credit bureaus to investigate charged off accounts that are not my accounts as well as another persons information listed as mine. I have submitted and asked for deletion of that information and have not received a response nor deletions in the timeframe allotted.
Consumer complaint received 2019-07-11
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. (GA)

I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX  L for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/XXXX
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (PA)

On XXXX XXXX I recently obtain a copy of my credit report and found many errors reporting on all three credit bureaus, including hard Inquiries that was Unauthorized. On XXXX XXXX I sent a Certified letter to all credit bureaus, Equifax XXXX XXXX being two out of the three regarding unauthorized inquiries reporting. I XXXX XXXX waited 2 weeks for a response. I contacted Equifax XXXX XXXX via phone on XXXX XXXX and stated this matter, Equifax Representative stated that I have to call the lenders one by one and state that these Inquiries are reporting also they don't have Access to disputing Inquiries over the phone, I have to dispute online. XXXX Representative Stated I need a police report.I XXXX XXXX Disputed the inquiries online with Equifax on XX/XX/2022. Equifax stated it would take XXXX XXXX to complete the Investigation. On XXXX XXXX I gotten a emailed from Equifax stating my Investigation was complete and it stated The hard inquiries was verified.Their method of verification was not Thorough as stated in the letter ( pdf ).
Consumer complaint received 2022-12-01
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2019-07-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX ; XXXX  and Transunion are reporting incorrectly lates on the XXXX XXXX account number XXXX. ( Please see page 4 of  the attached credit report. ) These student loans were deferred and consolidated and therefore should not be reporting on my credit report. I have contacted the ( 3 ) bureaus to remove this item, however I was unsuccessful. This incorrect reporting is harming my credit score and  these line items need to be deleted from my credit report.
Consumer complaint received 2023-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One, accessed my report without my permission which is a violation, pursuant to 15 USC 1681n. They put inquiries on my report on 3 dates ( XX/XX/XXXX ), ( XX/XX/XXXX ) and ( XX/XX/XXXX ). This has affected my credit. By these violations, Pursuant to 15 USC 1681n, I am entitled to {$1000.00} per violation.