davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2018-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

Hi, I have worked in public service consistently since I graduated from graduate school in XX/XX/2006, either at a 501c3 organization or the federal government. This SHOULD qualify me for forgiveness, but alas I refinanced my student loan a number of years ago with XXXX who have since sold my loan and it is now housed with Navient. It was never explained to me that I'd be giving up my right to loan forgiveness, and now I'm out thousands upon thousands of dollars. I have called Navient and asked about potential forgiveness and was completely rebuffed. 

I know that there is a lawsuit happening against Navient right now, but is there anything else I can do? 

Thank you, XXXX
Consumer complaint received 2020-01-29
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. (MA)

XXXX, Experian and XXXX, are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, EXPERIAN is reporting the account as XXXX/XXXX XXXX, XXXX is reporting the account as XXXX XXXX XXXX XXXX/ XXXX   XXXX and XXXX  is reporting the account as XXXX XXXX XXXX XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.
Consumer complaint received 2018-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

My issue is with Toyota Financial Services ( TFS ). In XX/XX/XXXX, I wanted to make a payment to principal on my loan. I attempted to do this on the TFS website where I make standard payments. The website does not allow for principal payments. I telephoned TFS and spoke with a customer service representative name XXXX. XXXX provided me with the TFS address for sending principal payments. XXXX also informed me that I could make a principal payment over the phone with a representative. On XX/XX/XXXX, I called TFS and made a principal payment by phone, and about a week later, I received a letter of confirmation from TFS for this payment. 
This XX/XX/XXXX, I again called TFS to make a principal payment to my loan. This time, the representative told me they do not accept principal payments over the phone ; they only accept payments by mail. This was confirmed by a supervisor and I submitted a formal complaint about the matter. 
In my opinion, this is a shady business tactic. TFS charges interest on a daily basis. Not allowing online or phone payments that can be processed in a timely manner, allows them to charge more interest to the consumer, in the time it takes for the consumer to hand write a check, place it in the mail, the parcel ships ( 2-3 days ), and while it sits on someone's desk waiting to be processed.
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by XXXX XXXX XXXX XXXX XXXX loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX XXXX when trying to purchase a new home because of the inaccurate late payments. I called XXXX XXXX XXXX and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from my credit report.
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MN)

I applied to open an account at BMO Harris on XX/XX/2020. At the time of my application, I signed up using a promotional code that promised a bonus upon the completion of certain requirements. These requirements can be found here : https : //www1.bmoharris.com/api/us-banking/secure-message/customer/conversations/5f7b536c7324033affe4ad04/attachments? url=7C7769BA-D9AE-4DD0-B0D4-3CE580A376C7 & type=pdf & filename=promo031820 My account was not initially opened, as they needed to verify my address. However, after I sent in my verification documents, my account was opened. However, this occurred after XX/XX/2020, which was the last day of the promotional period. Therefore, BMO Harris is now claiming that the promotional code that I applied is not applicable and that I am no longer eligible for the bonus.

I have already started the process of completing the bonus by changing my paycheck direct deposit to BMO Harris and depositing the required amounts for the Money Market bonus. I believe I am eligible for this bonus because I completed my application within the promotional period, the fact that BMO Harris couldn't verify my information is not my fault. My account should not have been opened if I wasn't going to be eligible for the promotion and it should have been clearly stated that I wouldn't receive the bonus BEFORE the account was opened.

I have reached out to BMO Harris numerous times and they confirm that I am not eligible for the bonus and they could only retroactively apply the promotion if there was an error on BMO Harris ' end, which they are claiming there is not. I believe there is.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I received a collections notice from XXXX XXXX XXXX. I immediately contacted them and let them know this debt was invalid and I wanted to dispute the debt. as of XX/XX/2018 this has been reported on my credit and I have not received any information regarding my wish to dispute this debt.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

The XXXX recipient called from a Wells Fargo number, the one that was on the back of my debit card. They were reporting fraudulent transactions on my account. The recipient also also stated for the transfers to be refunded there needed to be a transfer from my account which would be refunded immediately, upon checking the morning after the refund was not in my account and that is when I realized that it was fraud. I filed a fraud claim with Wells Fargo. They closed the claim stating it wasnt on their end that the fraudulent transaction occurred, they stated a request has been sent to the receiving institution and there was nothing else that could be done on their end and closed the case.
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 


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.
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 


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.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; XXXX  XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX call schedules XXXX. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt,
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (GA)

I purchased a lawn mower on XX/XX/2020 using a promotional offer for 0 % interest for 60 months. The purchase was completed and the merchant initially submitted the charges incorrectly. The charges were submitted and a promotional fee of {$120.00} was applied to the account. The merchant reversed the charges on XX/XX/2020 and submitted the correct purchase amount. The initial promotion fee was not reversed and a second promotional fee of {$120.00} was applied to the account. 

Customer service was contacted upon receipt of the first billing statement and I informed them that a duplicate promotional fee was applied without the first being removed. 

I have submitted disputes online using their online system and I have contacted the bank numerous times, sometimes with wait times in excess of 45 minutes. I advised them that until the charges were reversed I would not be submitting any payments on the account. I have now been charged with late fees for 4 months and I have requested in subsequent calls that both the late fees and the duplicate promotional fee be reversed at which time I will immediately bring the account current. Its is now XX/XX/2020 and none of the charges have been reversed despite numerous conversations with the creditors collections department. They continue to call to request payment and the dispute has been refiled on numerous occasions. This has now cause a significant impact to my credit and has caused me significant stress and a great deal of time addressing the issue. I have not been contacted by any representative who is authorized to make the necessary corrections despite numerous requests and I am still being assessed fees for non payment.
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (AZ)

Received a bill for {$210.00}. Apparently someone has purchased a bunch of perfume under my name. It was not me. I called the company and they said I need to file a fraud complaint with you.
Consumer complaint received 2021-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This company has never verified my debt, I have sent mail to them asking for this information. They proceeded to file a writ of garnishment of my state tax return, then turned around and filed a EX Parte Motion and Order to Renew Civil Judgement. 

I never received a document stating there will be a court date. These individuals have lied by stating that I made a payment in XXXX. This has never been the case, and I still haven't received any documentation that this payment was done by myself, nor how the payment was made. 

I have no idea that this debt is mine, nor have I received and correspondence from them giving my a chance to pay this debt. They filed the documents with the court without any information from me. I would like this company to validate the debt as well as how these payments were payed. 

I would like this issue resolved, and any and all judgements they have against me removed.
Consumer complaint received 2021-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX**** This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.
Consumer complaint received 2019-08-27
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. (NJ)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-07-24
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (VA)

My original student loan was through XXXX XXXX, and it was for less than {$12000.00}. EOS CCA, has not tried to contact me via phone, I have never received any voicemails. I have recieved two physical letters asking for over payments of {$26000.00} or telling me there will be legal action. This has also been going on even though there was a federal law passed for student debt being cancelled for several months with also 0 % interest because of covid-19. I let them know that I want to work with them but the fact that they want over twice as much as the debt I owed is scary. I need help
Consumer complaint received 2023-04-06
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 XXXX XXXX XXXXXXXX Amount {$3300.00} This account is incorrectly reporting a running balance which is negatively affecting my credit usage. This account is wrong and needs to be deleted off my report. 
XXXX XXXX XXXX This account was paid for and never charged off but is reporting as charge off. This is false. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX credit card accounts reporting false and incorrect late payments XXXX XXXX XXXX XXXXXXXX Incorrect Charge off this was a paid account and i even reopened a new account with them. This is all reporting falsely. 
XXXX XXXX XXXX No account numbers listed, this account is negatively reporting incorrect information and has been removed by all other reporting agencies but this one. 
XXXX XXXX False information and false reporting XXXX XXXX XXXXXXXX False reporting. This is reporting repossessions and late payments on this vehicle. This vehicle is 100 % paid off and in my possession. 
XXXX XXXX XXXX Incorrectly and falsely reporting late payments creating negative marks on my report. 
XXXX XXXX XXXXXXXX negatively and falsely reporting twice on my credit report. this is a against the law XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXXXXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXXXXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate Also they are incorrectly reporting my name. My only known name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (NC)

I checked my credit report and found a collections account from XXXX XXXX, stating that I openen an account with them on XX/XX/2021. And I have never opened an account with them.