davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I am writing to address a pressing concern regarding my credit report and its accurate representation of my credit history. 

In response to a previous complaint lodged with the Consumer Financial Protection Bureau ( CFPB ), Equifax conveyed that XXXX XXXX  the creditor in question, verified the correctness of the current and prior payment history. Despite this verification, my Equifax credit report is conspicuously missing this critical revolving account and the associated credit history. ( " XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY '' taken directly from Equifax 's response ) I took the initiative to provide a comprehensive history of this account, from its inception in XX/XX/XXXX to XX/XX/XXXX, furnishing all the necessary documentation. However, I was disheartened when Equifax declined to update my payment history and, to my disbelief, purportedly removed the file, despite acknowledging their communication with XXXX XXXX regarding the payment history. 

I am compelled to resubmit a complaint containing every monthly statement from the account 's initiation until XX/XX/XXXX. This marks the second instance of presenting Equifax with the indispensable information needed to accurately update my credit report. 

The distress caused by this ongoing ordeal is palpable, affecting not only my health but also my creditworthiness, amplifying financial strain by hindering the growth of my financial profile. 

I urgently seek a thorough review of this matter, prompt rectification of my credit report to reflect the accurate credit history, and swift confirmation of the resolution. 

To ensure transparency and collaborative resolution, I am including XXXX XXXX in this communication. I have diligently furnished every monthly statement from the account 's inception in XX/XX/XXXX up to XX/XX/XXXX, as evidence of the accuracy of the payment history. It is perplexing and concerning that my efforts to rectify this issue have not resulted in the anticipated update of my credit report. 

I kindly urge both Equifax and XXXX XXXX to collaboratively review this matter comprehensively. Accurate credit reporting is paramount to my financial standing. 

Thank you for your immediate attention and cooperation.
Consumer complaint received 2019-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: American Credit Financial (VA)

I was contacted by a " courier service '' telling me they needed to serve me with papers for check fraud and other offenses. Also contacted 2 of my family members and told them I put them down as references, which I did not. When I called back they sent me to Amercian credit financial LLC. They told me the only option I had was to pay them in full or a {$300.00} down payment and {$100.00} a pay check or I would be  arrested. I mistakenly set up a payment arangement, but all of the paper work they have sent me doesnt seem legit.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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. (CA)

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
Consumer complaint received 2019-06-26
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. (NJ)

XXXX XXXX XXXX is an account that is erroneous. I don't recall the exact scan or  procedure, but it occurred during a time when i had health insurance and it would have been paid by that.
Consumer complaint received 2018-01-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

hi dear. Sir/madam ... I did buy a car from. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX n y XXXX that time i have good credit and i only pay {$350.00} dollars down payment. I agree to buy the car {$15.00} but they changed me maximum intereste rate 15.74 % I did pay them last payment XX/XX/XXXX after that I have financial problems and I 'm sick I ca n't pay them {$460.00} dollars so I hold them XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX by XX/XX/XXXX when I 'm 2 person came from Toyota Motor credit corporation. And the took my car. And the told me you have to call them but? that I m very help less I can not find any solution after one month the send me a later today pay them {$15.00}. I 'm from XXXX if there any chance to taking care me. So please CFPB. Help me why I have to pay them 15.72 % interest it 's almost {$13.00} dollars interest just buy a used car # XXXX thousands miles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please review my complaint. And find for me the best life. Thank you All!!!
Consumer complaint received 2018-01-15
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. (NC)

I sent a letter to the credit bureaus on XXXX XXXX, asking them to conduct investigations on errors on my credit report. I have not received responses, and its been well over 30 days.
Consumer complaint received 2017-06-29
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. (MA)

My wife has a credit card at XXXX 's XXXX. While she listed me as an authorized user, I have no financial responsibility to this account. None of my personal information including Social Security number was attached to this account. XXXX 's failed to mail statements for a month, a {$26.00} purchase became a {$110.00} payment with late fees, and upon being informed of this balance, my wife immediately paid the account. XXXX 's reported this as a late payment on my credit report despite the fact that I have no legal obligation under the account.
Consumer complaint received 2018-01-15
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. (CA)

I have called Equifax consumer relations to notify them of an account with XXXX XXXX XXXX that is on my credit report by error. I have disputed the account with Equifax but everytime I speak to someone on the phone, it sounds like someone out of the country and not someone who can handle my concern. 

I have tried to explain to the Equifax representatives on more than one occasion that they need to obtain the agreements from XXXX XXXX XXXX regarding this account so that they can find the discrepancies and know why it is on my credit report when it should n't be. 

I tried calling XXXX XXXX XXXXXXXX myself but I have not been able to have them help me because this account has information that does not match mine. Equifax continues to report this account on my credit report.
Consumer complaint received 2023-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

At least since XX/XX/2021, the Defendants have engaged in a scheme whereby they issue Auto Loans to consumers and then seek to collect the amounts allegedly due to them which are not legally due to them. 

SEE ATTACHED DOCUMENTS
Consumer complaint received 2023-08-17
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. (VA)

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

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 item 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 2021-10-18
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. (MD)

Please be advised this is my FIRST WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA account : XXXX XXXX ( {$550.00} ) # XXXX, SXXXX XXXX ( {$470.00} ) # XXXX, XXXX XXXX ( {$0.00} ) # XXXX, XXXX XXXX ( {$0.00} ) xxxxxx, XXXX ( {$3600.00} ) # XXXX, XXXX XXXX ( {$160.00} ) # XXXX, XXXX XXXX ( {$3500.00} ) # XXXX Late Payments : State Employee # XXXX, XXXX XXXX # XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, US SM BUS ADMIN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NJ)

I was just looking at my credit report and see some XXXX XXXX that should not be there. Jefferson capital systems is reporting 4 accounts on my consumer reports. These accounts are all under {$500.00} and should have been removed. Also I was never given the proper notice of these alleged accounts or the right to dispute.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$5900.00}
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have several inquiries on my credit report that don't belong to me. please remove .XXXX, XX/XX/2019, XXXX, XXXX XXXX, XXXX   XXXX credit card XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX, XXXX   XX/XX/2019 XXXX, XXXX XXXX  XXXX , XXXX  XXXX XXXX   XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX . im starting to apply for credit and now I have all these inquiries on my report. They stated this was done online and not in person please remove this from my report
Consumer complaint received 2018-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX 2017 at XXXX I went to a chase ATM in XXXX California. I tried to make a deposit for {$2100.00}. It got stuck in the machine and didnt post to my account. The machine spit out a reciept that had the terminal id, time, date and it promised it will give me my cash back. They gave me a credit for the missing funds then a few weeks later they reversed the charges. They have been hanging up on me when I call, ignoring messages and doing absolutely nothing to help solve the problem. They have promised that my case would be handed to an executive office but nothing has happened. I was planning on moving to Georgia and this pretty much prevented my move. I have been doing research and it looks like they are doing this to multiple customers.
Consumer complaint received 2023-04-10
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below is the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/XXXX, and XX/XX/2023 I attempted to pay 2 credit card bills through ACH payment from Vystar Credit Union in Florida. This had been done every month for over 2 years to, and from, the same accounts. The money for both payments were in the account used, yet the bank rejected both payments without notifying me, because of aforgotten payment for a different credit card ( secured card ) that was serviced with Vystar. After speaking with a customer service representative, I was told that their members service agreement gives them the right to reject all payments made from the account until the secured credit card payment is brought current, which makes no sense because i technically prepaid the balance. Without sending any sort of reminder for the late payment before rejecting all payments I made from the checking account and causing multiple fees, then then closed the card and applied the secured payment. They have cost many members fees due to poor management decisions made of their online banking and currently have a class action against them because of it. I want anyone reading this to know that Vystar Credit Union is not a good bank since the past year and not to bank with them.
Consumer complaint received 2023-08-17
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. (CA)

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 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Today XX/XX/XXXX I contacted my XXXX card to ask when and how many times do they report my balances to ALL 3 Credit reporting Bureus. XXXX stated ( and I have their email statement ) ONCE A MONTH. I signed up for XXXX XXXX credit score monitoring with Free Daily Alerts. It appears, that XXXX, XXXX XXXX and Experian are reporting to my credit file balances Two weeks after my closing date with XXXX Card, then immediately decreasing my Fico score as much as 20-30 points at ANY GIVEN TIME OF THE MONTH. I find this to be wrong. My XXXX Card closing date is the XXXX of each month. Verified with XXXX Card. Why is XXXX, XXXX XXXX and Experian reporting balances two weeks after? And decreasing my score? I am AFRAID to use my XXXX Card at ANY TIME because XXXX, XXXX XXXX and Experian is reporting incorrectly HURTING my score. I applied for credit and was denied because of this game the Credit reporting agencies are doing. I have TREND REPORTS by XXXX where it shows the dates, the decreases and the entire month graph as proof. I also have a written statement by XXXX Card that they ONLY report my Balances every XXXX of each month. What is happening here, is that the credit reporting agencies are keeping my Credit Line Utilization Ratio High, when in reality it is low 4.5 to 7 percent. By doing so, my scores drop. I know my rights as a consumer and I demand an Investigation to this bad business practices. XXXX Card advised I should report this immediately because it is wrong.
Consumer complaint received 2016-11-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (CO)

I borrowed money in the form of " Parent Plus '' loans through the Federal government and Great Lakes for my son 's college tuition since the school said he did not qualify for loans based on his own merit. After graduating five years later, my son ( technically I ) had accumulated over XXXX in loans and interest spread out among XXXX different " government backed '' lenders who all wanted separate payments or I could consolidate the loans on an income based plan which would be a smaller payment my son would have to make through me since he still did not qualify to hold the loans himself. Maybe in the fine print somewhere on page XXXX of the novel of a loan agreement it said that the loan would no longer be a true school loan with all the low interest benefits, but I did not know that at the time of refinancing. Now we are paying 8 percent interest on a modified government backed loan. How is that justifiable morally. The price of his education at the Colorado XXXX XXXX XXXX did n't yield an income representative of the hugely inflated cost he is paying and to add insult to injury, my lower income makes it impossible for me to refinance the loan with a lower interest rate.
Consumer complaint received 2023-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America issued me a 1099-C in XXXX. I reported this debt cancellation on my XXXX  tax return. Bank of America never sent me a lien release. Instead, they sold the XXXX account balance to another company called XXXX XXXX Bank of America preyed on my lack of knowledge of what a discharge meant. And XXXX led me to believe a discharge happened because of a bankruptcy, which was never the case. Both of these companies need to be fined and sanctioned.
Consumer complaint received 2023-08-17
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. (CA)

IT'S BEEN MORE THAN 30 DAYS AND XXXX, EQUIFAX, AND XXXX ARE NEGLECTING MY DISPUTES. I HAVE WAY TOO MANY INACCURACIES ON MY CREDIT REPORT AND MY CREDIT REPORT SHOULD BE 100 % ACCURATE. EACH CREDIT BUREAU VERIFIED ACCOUNTS WITHOUT TELLING ME THEIR METHOD OF VERIFICATION AND HOW THE ACCOUNTS WERE NOTED AS BEING ACCURATE. THEY ARE NOT ACCURATE BECAUSE THEY DON'T EVEN BELONG TO ME. THESE ACCOUNTS ARE UNAUTHORIZED AND I DID NOT BENEFIT FROM ANY ONE OF THESE INACCURATE ACCOUNTS. NO ONE HAD FIRST HAND KNOWLEDGE OF THE ALLEGED ACCOUNTS THAT DON'T BELONG TO ME. THIS INACCURATE CREDIT REPORT IS UNFAIR AND HURTING MY REPUTATION WITH THE BANKS AND THIS IS HURTING MY CHANCES AT GETTING A MORTGAGE.