davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

On  XXXX   XXXX  , 2017 I contacted Toyota Motor Financial Services because nega tive reporting appeared on my credit report. I am a cosigner on my step-daughters loan and apparently in     XX/XX/XXXX / XX/XX/XXXX  h er payments were late. She is in the  XXXX  and had set up auto-payments while out to see, but due to bank account issues her payments did not go through, unknown to her.     I was never even provided the courtesy of contact by  Toyota Financial in order to have an opportunity to make the payment s and prevent the negative reporting, nor was I ever notified a negative report had been made. I discovered it myself during an annual check of my credit repo rt. ( Comically, during my phone call with Toyota, they advised they had attempted to  call me  2-days befo re but left no message - I have no record of a call and even at that it was way AFTER the late payments had appeared on my credit report. ) This does not demonstrate compliance with this section of the code  : 623 - 15 U.S.C. 1681s-2 ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial   institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section  603 ( p ) furnis hes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.     When I discovered the negative reports on   XX/XX/XXXX ,  and contacted the company, I was advised to write a dispute letter noting that I was the cosigner and had never been contacted to make a payment before th e 30-day delinquency, nor even notified that not just   XXXX  , but   XXXX   negative reports had been made on my credit. I wrote a 2-page letter only to receive  an auto-reply form letter dated   XX/XX/XXXX , stating the information was correct. ( see attachment ) The reply did not even ad  dress the points I brought up regarding non-notification. To-date, I have still not been officially notified by Toyota of the negative consumer reports they sent to the credit bureaus in my name. I had also asked to receive monthly billing statements addressed in my name as a duplicate of what they mail to my step-daughter and they have failed to address that request as well. My question is how can the Creditor  hold the Co-signer responsible when I was never afforded the opportunity to be aware of, much less resolve the issue.  My   XXXX   credit score h as plummeted more than  XXXX  points from this specific issue. Is that really the way to treat a loya l Toyota customer of 40+ years? Is this truly legal?
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

On XX/XX/2019, I paid off my mortgage with Ocwen/PHH. I requested the Satisfaction of Mortgage and the Original note. Ocwen/PHH stated that the County Clerk will mail it to me within 30 days. I contacted the County Clerk and they stated that the payoff was recorded on XX/XX/2019 and the documents were sent back to Ocwen/PHH, and they are to send to me the Original Note and the Release. I continued to contact Ocwen/PHH and they are telling me that it could take up to a year for me to get these documents. When I ask to speak with a Manager, they continue to hang up on me. The laws in Florida and Mississippi states that I should have these documents not later than 30 days from the payoff date. I would like to get the documents that I have a right to have, but there is no one at Ocwen/PHH that knows anything about these documents.
Consumer complaint received 2022-04-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX account on my XXXX and Experian account is reporting a balance on my account as of XX/XX/XXXX. This account was transferred to XXXX XXXX XXXX In XX/XX/XXXX, I paid a settlement on this account with the collection agency. This account is not showing as settled and a balance is still being reported was being reported as of XX/XX/XXXX. I have disputed this account several times and Experian and XXXX and instead of reporting the account correctly both credit bureuas have removed the payment information as Unknown on my account.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
On Account : NA in the amount of {$2300.00} This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2019-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MD)

To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with First Credit Services or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-10-07
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. (NC)

On XX/XX/2018 someone used my information and tried to open an account at XXXX XXXX and XXXX XXXX XXXX. Both applications were denied due to the applicant being unable to submit proof of identity. However the inquires are being reported on my Equifax credit report. I was trying to buy a house in 2018 and these inquires lowered my score affecting my ability to purchase a home at the interest rate I deserve. I filled a dispute with Equifax and the results of the investigation were as follows : Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. It listed the company 's mailing address but not the phone number, so I had to XXXX and wait on hold and be transferred multiple times before I found the right department. After speaking with both companies, I was told that they will submit a request to all 3 bureaus to have the inquiry removed. I waited 90 days as instructed then checked my report on XXXX XXXX. The inquires were still being reported. I have called Equifax, XXXX and XXXX XXXX XXXX 6 times since this and the issue still has not been resolved. This is not only frustrating but preventing me from giving my children a home. This is unfair and if this is not handled soon I will take this to the media. I'm sure XXXX would run a feature on it considering I have documentation, emails and recorded phone calls. It should not be this hard to remove fraudulent inquiries.
Consumer complaint received 2019-10-07
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. (TN)

Every year I check my credit just to make sure I'm on target with my goals ; well, this year upon having my credit pulled, I discovered several items that are NOT mine and I'd like them removed as soon as possible. I also took the liberty of contacting the police and FTC for your convenience. These are items from removal : XXXX/XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2019-10-07
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. (CA)

Purchased a ticket with XXXX on XX/XX/2019 and cancelled it on XX/XX/2019. 
The cancellation was over the phone and was successfully competed. 
To be on safe side I also disputed the amount from Citibank card. 
The amount {$890.00} first was credited from my account on XX/XX/XXXX and was charged back to my account on XX/XX/XXXX. 
The document on my account was very clear that merchant has fully hold itself liable for total credit and explained that credit is coming in two amount for total of {$890.00}. 
First amount was {$60.00} which was credited and second amount {$830.00} that was not and still is not credited to my account. 
Called Citibank many many times and talked to their billing disputes with no results. 
Called merchant ( XXXX  ) and they said the credit amount of XXXX has been sent to Citibank. 
Called again and this time talked to one of the disputes specialists named XXXX from Kentucky and she was able to contact the supervisor to track the money and she said that has a very good news for me, my money has been received from merchant and is in hold with Citibank. In two business days I will see the credit on my account and that was eight days ago. 
My complaint is with Citibank which has kept my credit money on hold for no apparent reason.
Consumer complaint received 2019-10-07
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. (TN)

Every year I check my credit just to make sure I'm on target with my goals ; well, this year upon having my credit pulled, I discovered several items that are NOT mine and I'd like them removed as soon as possible. I also took the liberty of contacting the police and FTC for your convenience. These are items from removal : XXXX/XXXX, XXXX, XXXX  XXXX.
Consumer complaint received 2019-05-24
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. (MI)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have provided XXXX with several letters for a method of verification for a bankruptcy and accounts included to be verified. Ive mailed XXXX letters from the bankruptcy court and XXXX. 
I have provided physical proof in document forms.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX, I called Citizen Bank at XXXX to request that my Savings and Checking account be closed. 
XXXX moved the balance in my savings account to my checking account and successfully closed my savings account. He then told me I had to go into a branch to fill out a form to close the account out. The nearest branch in XXXX XXXX, NY is over an hour drive from my home and not an easy commute going thru the city. XXXX then suggested I do a wire transfer and transferred me to XXXX in the mobile transfer department. 
XXXX couldnt help me and transferred me to XXXX in the wire department. 
XXXX said I needed to go to the branch to fill out a form which I told him I live too far. He then transferred my call to the customer service department. 
I asked to speak to a Supervisor as I was now on the phone over 1 hour and 20 mins. XXXX identified herself as a Supervisor and instructed me to send a letter to the XXXX XXXX office requesting the account to be closed. As soon as I hung up the phone with her, I wrote the letter and immediately mailed it as I need the funds as soon as possible. 
Yesterday, my husband took a call from XXXX XXXX, XXXX XXXX XXXX XXXX indicating that I now need to write ANOTHER letter requesting my account to be closed and mail it to a different address. Due to the inaccurate information I was given by XXXX, I now have to wait even longer to get my funds. This is completely unacceptable. 

To top it all off, I called the Citizen Bank number today, XX/XX/XXXX from the number that XXXX XXXX called from yesterday ( XXXX ) to determine if the letter I already wrote could be sent interoffice instead and while waiting in queue for a customer service representative ( where the automated message indicated the wait time was in excess of 5 mins ), a message came on that due to technical difficulties, my call can not be handled at this time and I should call back later. The call then was automatically disconnected. This occurred at XXXX today, XX/XX/XXXX. 

I then called the XXXX XXXX Branch Office at XXXX and pressed the option to speak to a Branch colleague. It rang about 20 times and then automatically disconnected.

Ive had accounts at many different banks throughout my lifetime and I have NEVER experienced an issue getting money out of any accounts until now. This experience and level of no-service is scary and completely unacceptable which is why I took this opportunity to file a formal complaint.
Consumer complaint received 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I looked at my credit report today and I found inaccurate information about my address my employment and accounts. My name is XXXX XXXX XXXX my DOB is XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I AM SELF EMPLOYED XXXX XXXX XXXX ( OWNER ) NEVER WORK AT XXXX XXXX   PLEASE DELETE. 
The following addresses are not mine possibly Fraudulent Please delete : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my report actually belongs to me. I have not records of the items listed above, if the above items are inacurate, misleading, or incomplete, you may have violated federal law. 
the following items are unverified PLEASE DELETE : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC ADMITTED ON XX/XX/2024 TO CFPB THAT THEY ILLEGALLY AND FRAUDENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX  XXXX ( ACCOUNT XXXX ). LVNV DID NOT RECEIVE DISCLOSURE FORMS FROM XXXX  XXXX WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION. LVNV  HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! 
ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15usc 6801 Protection of Non- Public Information. 
15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 
2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 
3. The financial institution giving me an explanation how to exercise the non-disclosure options. 
15 usc 6802 Disclosure of Institution Practice Policy
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (OK)

On XX/XX/18 synchrony bank called me to remind me of a payment I immediately get them my debit card number for {$190.00}. Payment was taken from my account. They can't find it. They have been calling daily wanting me to send it. My bank XXXX and I have fax them several times proving how, and when they withdrew the monies. We just do not know what we can do to resolve it. They are not cooperating.
Consumer complaint received 2018-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, Coinbase disabled the trading of my account. My account was a fully verified account : legal ID and SSN were provided to Coinbase as  required in XXXX. No communication or notification was given to me by Coinbase in any form about why the trading ability was disabled. All " Good till Cancel '' limit orders were also removed without any form of notification by Coinbase. 

On XX/XX/XXXX, I contacted the customer service and they stated they can not provide any reason as in why my account trading was disabled and why all the orders were removed. They also stated they could not provide any estimation of when I can receive a follow up of the problem investigation, not to mention when can the problem be resolved. An escalated support case was raised and case number is XXXX. I was told to check after 2 business days however till now there is not any update about this case by Coinbase.

I am launching this official complaint with the Consumer Financial Protection Bureau about the below Coinbase/GDAX 's multiple unprofessional malpractices : 1. My account trading is disabled without any notification in any form even my identity was fully verified long time ago.

2. When contacted with Coinbase/GDAX customer support, no reason was given about why the trading is disable.

3. No estimation was given on when I can hear back on the escalated case for the problem.

4. Good till cancel order was removed without any notification nor with any explanation why.
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (AL)

LVNV FUNDING LLC/RESURGENT ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information LVNV FUNDING has violated my rights and failed to protect my information by sharing my personal information with XXXX parties without my consent. 

15 usc 6802 Obligation with respect to disclose personal Information. There are XXXX disclosure forms that I have not received. 
XXXX. Financial Institution making me aware that they will disclose my information to a non-affiliated XXXX party XXXX. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a XXXX party XXXX. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy LVNV FUNDING did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2018-09-20
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. (NV)

They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months now.
Consumer complaint received 2024-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld systems I XX/XX/XXXX As well as over 40 hard inquiries. I have been disputing for fraud for several months and the services keep adding the listing back to my report. The inquiries are hurting my credit. I have called the inquired places several times and they say they can not assist me because I dont have an account for them to look up my info. I am getting very frustrated because I did not approve any of the above dating back to XXXX to XXXX.