davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I contacted Toyota financial services to dispute the points taken off of my credit that decreased my credit score I was informed that its a computerized system and basically so what its nothing they can do. I was building my credit now its ruined for no reason I never was delinquent on my payments to this company and its unfair that they just like that sent a false report to the credit bureau
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (MA)

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. I demand that the following information be verified or removed immediately : 1.The following personal information is not mine XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX remove it from my credit report. 
2.The following account is not mine XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 
3.The following account is not mine XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 
4.The following inquiry is not mine XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
5.The following inquiry is not mine XXXX  XXXX XXXX Please remove it from my credit report. 
6.The following inquiry is not mine XXXX XXXX XXXX Please remove it from my credit report.

7.The following inquiry is not mine XXXX  Please remove it from my credit report. 
( FCRA ), 15 U.S.C. 1681 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] 603 - 15 U.S.C. 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Truth and Lending Act 15 USC 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) 603 - 15 U.S.C. 1681a ( 3 ) Restriction on sharing of medical information. * ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-12-07
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. (NC)

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-12-07
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. (NC)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX  XXXX XXXX  XXXX XXXX, and XXXX XXXX
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

transunion file # XXXX shows XXXX  as closed -it is open and current-show history-this was deleted incorrectly after investigation-i only requested an update in balance, XXXX and XXXX XXXX still show as closed -they are both open and current-show history, XXXX   unsecured is recently paid off, show history of a past open acct with history cfpb has stated this is a repeat but it is not, this has not been resolved pls correct this with transunion as they have been provided the fact from these creditors that these accts are open reaffirmed and have been in good standing, i would like this updated to show all 3 accts as open, show paying history and update scores, i would also like XXXX   credit card to be reinstated on transunions report with the excellent history that i have with them, i have tried to resolve this for almost a year and feel that filing a lawsuit will XXXX  the best results if this complaint does not resolve the matter, this is damaging to credit which i have worked hard to repair
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Im attempting to obtain a mortgage. The mortgage company cant pull my Equifax score, due to an error of a consumer remarks/fraud. Ive called Equifax on three different occasions, I faxed over identity documents asking to remove any stops or remarks. I called and spoke with a supervisor named XXXX XXXX ID # XXXX, who them told me there arent any consumer remarks or fraud stops on my account and the mortgage lender shouldnt have any issues. But the mortgage lender continues to get an error message of a stop being on my account from equifax. Equifax is currently holding ( preventing ) me from obtaining a mortgage. I need a assistance, there should be no holds on my credit profile.
Consumer complaint received 2018-12-07
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. (NC)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX
Consumer complaint received 2018-04-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to investigate errors on my credit report. Almost 3 months have passed, and I have not yet received a response. This is already the 2nd complaint I've filed for not receiving a response.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

Someone sent me a text ( CITI-BANK-FRAUD ) Your card has been blocked due to recent transactions. To restore full access go to auth07-citi.com/secure? token From the phone number XXXX ( XXXX ) XXXX And I dont have Citi bank
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I was denied to get a loan because the reporting agency " Experian '' have wrong information on my credit report, when i called them to fix this issue and verify my identity they wanted my to pay first in order to resolve this problem.
Consumer complaint received 2018-10-09
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CU Recovery, Inc. (NY)

This creditor has called my employer multiple times and I have asked them multiple times to stop calling my work. Once again, they called my work today and I have proof on my work phones caller ID. The number they are calling from is XXXX, and the name is CU Recovery.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I thought this was a useful credit card, but I was inexperienced. I was seeking to repay this collection. However, I was seeing that you as a goodwill to just remove it. 

Balance {$940.00} Capital One Platinum Card
Consumer complaint received 2018-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I already filed the dispute from FTC report and filed the police report on authorized but the hard inquiries are still remaining only on Transunion XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-19
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. (CA)

Someone had used my information to pull Hard inquiry which I had never authorized..

XXXX XXXX  XX/XX/2017 Equifax XXXX   XX/XX/2017
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I have been trying to get a collection removed from my credit reports because there was identity theft on this card. The original creditor, XXXX XXXX did not timely contact me that there were three large purchases made on my card at three different XXXXXXXX XXXX in three different cities in Florida, none within a large radius of my home. Then they suddenly closed the account and sent it to collections. XXXX XXXX was combative when I tried to obtain the statements the purchases were made. 
Now I am dealing with PYOD, LLC who owns this debt. In XX/XX/2020 they were supposed to send me a form to fill out pertaining to the identity theft. They never did so I contacted them two weeks ago and they said they would send a form but I still have not received it. I feel theyre stalling and keeping my credit score hostage, I cant fight this fraudulent activity if they dont work with me.
Consumer complaint received 2019-03-21
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: AMERICAN EXPRESS COMPANY (MI)

THIS IS IN REFERENCE TO THE AMERICAN EXPRESS ACCOUNT WITH THE ACCOUNT # XXXX THAT WAS OPENED ON XX/XX/XXXX AND LAST UPDATED ON XX/XX/XXXX. THE LEGEND REVEALS THAT THE ACCOUNT IS CURRENT AND PAID AS AGREED ALL THRU XXXX AND THERE WAS NO DATA FROM XXXX - XXXX PRESUMABLY BECAUSE THE ACCOUNT HAD A XXXX BALANCE AND DID NOT REQUIRE A PAYMENT. HOWEVER, THE PAYMENT HISTORY INDICATOR CHANGED ON XX/XX/XXXX TO REFLECT A CHARGE OFF OF USD XXXX THAT IS UNKNOWN WHETHER THESE ARE FRAUDULENT CHARGES MADE AFTER I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT AND THE COURT APPOINTED CONSERVATOR XXXX XXXX TOOK OVER AND MADE THOSE CHARGES OR WHETHER THEY ARE DUE TO ANNUAL FEES AND INCIDENTAL CHARGES THAT ARE ASSOCIATED WITH MAINTAINING THE ACCOUNT. FROM MY UNDERSTANDING, XXXX XXXX TOLD ME ALL MY CREDIT CARD ACCOUNTS WERE CLOSED BY HIM. I SPOKE TO AMERICAN EXPRESS AND ADVISED THAT MY CAR CONTAINING ID AND CREDIT CARDS WAS AUCTIONED OFF OVER THE PHONE IN XXXX AND WAS TOLD THAT I WOULD NOT BE LIABLE FOR ANY FRAUDULENT CHARGES OR CHARGES THAT I DID NOT MAKE. IT IS THEN A HUGE SURPRISE TO SEE THIS ACCOUNT SHOW UP ON MY CREDIT REPORT ESPECIALLY SINCE I WAS NOT IN THE USA TO USE MY AMERICAN EXPRESS CARD THAT WAS CANCELLED BETWEEN XXXX - XXXX. 

PLEASE REMOVE THIS INACCURATE ACCOUNT HISTORY THAT IS POTENTIALLY NEGATIVE OFF MY CREDIT REPORT.
Consumer complaint received 2018-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (NY)

On XX/XX/2018 I was informed that our Key Bank credit card was declined. Knowing that there was more than enough money in the account, I called XXXX and spoke to multiple representatives in many different departments of Key Bank. I was eventually informed that our company account was being closed because it was deemed a " risk '' to the bank to keep it open. I asked how that was possible when we have not had any overdrafts, declines, lack of activity or anything, and we maintained a positive balance at all times. I was only told that the bank " calculates these matters and makes a decision '', frustrated with the lack of any detail in the response, I continued to ask what made us a risk. Key Bank continued to tell me that they have no further information and it can not be undone, and that Key Bank has the right to close my account at any time. I asked why I was not notified of this at all. Key Bank then claimed that a certified letter was mailed to an old address of the company, when I asked for proof that anyone signed for that letter ( knowing that it is a vacant building currently for sale ), they said they have no proof that anyone received this letter. I then asked if there is any proof that anyone called the company to inform us this was going to happen? ( knowing that we had not received any such call from Key Bank ). They responded that they do not have proof of that either. So now our company account is frozen, company bills can not be paid ( including rent ), employees can not be paid and feed their families, and the balance of our account will be mailed in a check sometime next week to the abandoned building we used to occupy. I even went as far as calling the local branch we opened the account at XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) -  XXXX for more details. They also would not provide me with any details as to why this is happening, nor would they provide me with any proof that they attempted to notify us of this. I informed them that is the shadiest banking experience I have ever been a part of and I do not understand how they are not violating some consumer protection right by doing this to us. No one along the away showed any remorse, nor were they helpful in any way. Our company will now suffer several late fees and penalties on bills we can not pay since our account was frozen without us being made aware of this. I very strongly feel that Key Bank should be responsible for these fees and should be investigated and forced to provide some proof that they notified us of any issue leading to our account being closed.
Consumer complaint received 2022-07-21
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. (FL)

writen letters sent requesting that the Credit Bureaus remove the following inquiries from my Credit Report. Nevertheless, the Credit Bureuas consciously denied and neglected the letters I sent which is a clear violation of the FCRA regultions. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my requests should result in immediate removal of the unauthorized inquiries below : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP (OH)

I was trying to find my elderly brother a place to stay in Hawaii after his second XXXX vaccination shot. I found a listing on XXXX XXXX XXXX XXXX XXXXXXXX ) and contacted the agent ( or so I thought ) for the apartment. His email is " XXXX ''. I was told to make payment through XXXX. I have never used XXXX before, but was it was through my bank, KeyBank, so I assumed there were protections in place. To be cautious, I first sent {$200.00}. as a deposit, and it went fine. Then, a few days later, I sent the rent payment of {$450.00}. After that, I was supposed to get pin code for the apartment. But, of course, I did not. I immediately called my bank, KeyBank. But, I was told that they could do nothing ... that XXXX was supposed to be used as payments between friends and relatives. Why, then, is this an advertised banking app ... not a " friends and family '' app. I feel the bank and XXXX are COMPLETELY aware that they are the app of scammers, but are looking the other way to make a profit. I feel they should be able to AT THE VERY LEAST, shut down the scammer 's XXXX account. But, I was told no ... nothing could be done. Perhaps you will have better luck. 

The {$450.00} XXXX payment was made today through KeyBank to the following XXXX account. 

PAYMENT VIA XXXX XXXX : XXXX Name : XXXX XXXX I am ashamed that I fell for this scam, but angry that my bank and XXXX helped perpetrate it. Please help.
Consumer complaint received 2018-04-19
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (AR)

University of XXXX is illegally reporting on my credit report and pushing forward dates of last activity. ( Date of payment ) This is allowing them to keep it on my credit report when a private student loan is supposed to be removed from 7 years of last payment. This has been opened since 1998 and needs to be removed from the credit report because it is a clear FCRA Violation.
Consumer complaint received 2022-06-13
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. (TX)

I sent letter to remove personal information that I don't want on my credit report. XX/XX/2022 here are the tracking numbers, XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6082. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-06-13
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)

I sent letter to remove personal information that I don't want on my credit report. XX/XX/2022 here are the tracking numbers, XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6082. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2018-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

This company posted a {$74.00} debt collection to my account. I tried calling to remove from account but personnel were very rude and would not provide clear explanation on nature of debt claim. Prior to this transaction posting to my account, I have never been contacted to solve issue prior to it taking a detrimental impact to my credit report. Shameful to delegate such authority to firm like these.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX 's XXXX, Obtained and Ran 10 hard inquiries on my credit report without my authorization when I was shopping for a vehicle. This dealership was aware that they are not supposed to run this.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Equifax is showing two loans with XXXX when there is only one and it was  paid off in XX/XX/XXXX. They are still showing a XXXX XXXX late payment when it is a student loan in deferment. I called XXXX XXXX and they never called Equifax to report delinquency. I have one mortgage loan with XXXX. Equifax put on a Hard inquiry for a mortgage and there is also a hard inquiry from XXXX in XXXX. I never ever had XXXX especially in XXXX when I live in Indiana. Every time I turn around there is another issue. My credit score was XXXX until this happened. The XXXX account should be closed and there shouldn't be two. The hard inquiries especially from Equifax should be deleted and the XXXX XXXX account should reflect deferment since they were never contacted. This is very frustrating. I have worked hard to get my credit in the 700 's then this ... .I hope you can help me.