davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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. (MT)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX ( Original Creditor : XXXX XXXX PC ) XXXX Date opened XX/XX/XXXX Balance {$13.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, and US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Consumer complaint received 2023-03-22
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. (MI)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX/XXXXXXXX
Consumer complaint received 2018-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (NJ)

My personal cellphone is listed on the Do Not Call registry but this debt collector ( XXXX XXXX XXXX ) persists in contacting me in relation to a debt allegedly owed by my ex-wife. They have no right to do so.
Consumer complaint received 2023-03-22
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-06-18
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. (WI)

XX/XX/2022 XXXX  XXXX Account Number : XXXX 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
Consumer complaint received 2018-11-12
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. (TX)

There is an account I have personally tried to validate and nothing was ever received. How are Experian and XXXX able to verify this when I can not and it is on my credit file and it is inaccurate. The social doesn't even match mine Account is listed XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In XXXX approximate date XX/XX/2018 XXXX dollars was outstrips paid to toyota financial services and XXXX dollars is owed to my account due to the unused warranties and coverages purchased. 

Toyota states dealership has not sent the payments to toyota financial services. 

I believe goes is committing fraud and stealing by requiring additional monthly car payments. 

XX/XX/2018 approximately XXXX XXXX Pacific Standard time I informed Toyota financial services that the payment info will be sent to them and they informed me that I had gap insurance to cover the difference between the value of the with the insurance paid and what is owed on the loan I was informed once they receive the payment from the insurance company which they received on theXX/XX/XXXX that they will go ahead and effectuate my gap insurance. On XX/XX/XXXX I spoke with XXXX customer service operator ID number XXXX XXXX she was the nicest one out of all the people have spoken with Toyota Financial Services she explain the process thoroughly and was very professional and patient after her never was able to reach a professional agent at Toyota financial and all they kept asking for is money money money money money they have not updated my credit bureaus and Toyota is extorting money out of me on XX/XX/XXXX I spoke with Toyota Financial Services again the representative who refused ID herself other than her name was XXXX very rude unprofessional yelling at me told me to go to XXXX and it doesn't matter because I'm going to pay for it one way or the other she said I have a problem with it take it up with some company by the name of XXXX and she left me on hold for 37 minutes and 19 seconds today XX/XX/XXXX I called and representative states to me the outstanding account remains and I need to make a payment treated unfairly I've been threatened and now I think I need the help of the Consumer Financial Protection Bureau they're collecting money from the gap insurance and extorting monthly payments from the account holders Toyota are professional thieves and Mafia type and I need help I can be reached at XXXX Today XX/XX/XXXX I call Toyota Financial Services spoke with the representative and she states that the settlement breakdown of {$28000.00} is not correct but yet 3 phone calls prior to today the representatives all of them stated the figures are correct and that I should go back to my insurance company and get more money from the insurance company and give it to them I feel as if I'm being extorted
Consumer complaint received 2018-11-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Figure Technologies, Inc (CA)

I inquired about pricing on a home equity loan from the company " Figure '' ( NMLS XXXX ) on XX/XX/2018. They collected information regarding my income and property address. Their online portal notes that " checking your rate will not impact your credit score. '' I assumed that I was providing information to receive an estimation of pricing - ( rates between x and y %  ). I later received an adverse action notice saying my credit application had been declined as they could not verify my credit history - I don't believe they completed a loan application, so I don't understand how I can be denied a loan that I hadn't actually applied for yet. I believe this was unfair and deceptive. Upon contacting the company they claimed that by requesting to check my rate I was making an application.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This account was put on " paper suppress '' and I didn't receive a statement. Once I found out there was an amount owing I paid the account in full however it had already been reported to all three credit companies as late. I explained the issue and was told I needed to submit additional paperwork which I have. Last, I received a letter my request was not approved however I don't understand why. I've had this account for 18 year and never been late. No one at the company can explain why. This accounting closing lowered my credit score by 100 points since it's one of the oldest accounts I have.
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (OH)

I paid my American Express Everyday Blue Cash credit card off in XX/XX/XXXX and was super excited to finallly have a zero balance and have the opportunity to begin using my credit card for purchases and being able to earn rewards. I began chatting with an agent on the Chat online on XX/XX/XXXX around XXXX EST. I requested a lower APR due to having better credit now than I did when i applied in XXXX. I have been a card holder since XX/XX/XXXX and never have i had my APR lowered or my credit limit increased. My other credit cards lowered my APR and increase my credit limit multiple times except American Express. During the chat of requesting a lower APR i was advised my APR was unable to be lowered at this current time. I accepted that response and asked what my current APR was on the account. That is when I was informed my APR was 25.24 %. I was extremely surprised my APR was so high due to when opening my American Express Credit card in XXXX my APR was 19.24 %. I never received any letter or notification regarding this APR increase and when I asked why I was advised the letter was missing in the mail and they confirmed it was never delivered to me. I continued to speak with an agent on chat on XX/XX/XXXX, and then i requested to escalate my concerns where i began speaking with a Supervisor via chat who advised my the same information and that the letter was sent in XX/XX/XXXX and then notice was on my statement, but the letter was lost in the mail. That was when i was provided a phone number of XXXX to discuss my account with someone and be provided the reasoning my APR was increased and why my APR was unable to be decreased at the time. I made the call to that number on XX/XX/XXXX around XXXX EST where i received no help from the initial agent nor the next supervisor. I requested to speak with a manager and was advised one was not available. I accepted that one was unavailable and requested to leave a voicemail or have a manager contact me back regarding my concerns and the Supervisor advised me that no one would be able to do anything and speaking with someone higher would result in the same answer. I am now waiting for a response back from the manager. I was advised my APR was increased due to my Fico in XX/XX/XXXX and the increase started on XX/XX/XXXX. This is a HUGE increase, I never received a letter, and i was never delinquent on the account and was an outstanding customer. I read the valid reasons on this site on what constitutes an unexpected APR increase and i did not meet or cause any of them. I would like my APR to be adjusted back to the 19.24 % or lower. My issues are unresolved and my customer experience is horrendous.
Consumer complaint received 2022-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MT)

I have worked full time for XXXX XXXX XXXX XXXX  since XX/XX/XXXX, all of this employment has been qualified by FedLoan for PSLF/TEPSLF. My 14 loans were consolidated in XX/XX/XXXX and are Direct Loans ( Subsidized and Unsubsidized ). My servicer at the time was XXXX XXXX XXXX. In XXXX of XXXX my loans were transfered to XXXX, and in XXXX of XXXX my loans were sent to FedLoan Servicing where they remain. 
Since TEPSLF was introduced in XXXX, those XXXX XXXX XXXX payments have been " pending manual review '' with my FedLoan. I have a letter from XXXX XX/XX/XXXX acknowledging the six payments I made between XXXX and XXXX of XXXX. The {$790.00} I was paying at the time under a graduated repayment plan ( I believe ) are far more than I have ever had to pay to MyFedLoan under IBR. 
In XXXX of XXXX, my qualifying payment counts were updated, but still did not include the XXXX months of payments I made between XX/XX/XXXX and XX/XX/XXXX. I recently submitted a complaint which was closed without any explanation of the results of that complaint, or action taken to correct these errors. 

I have over well over 120 payments that are both employment and payment eligible once these corrections to my record are made.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

An American Express impersonator ( with AMERICANEXPRESS callerID ) called our office asking for the owner and said that we were 48 days delinquent on a debt of {$17000.00} on our company Amex Hilton cards. We opened the account less than 30 days ago and have spent a total of {$500.00} thus far. It is clearly a scam that was forceful with one of my employees. 

Call came in at XX/XX/23 XXXX from XXXX
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY (IL)

I called XXXX XXXX on XXXX XX/XX/2019 at XXXX hrs and spoke with XXXX. I attempted to make a settlement with payments for {$4000.00}. XXXX explained that I could not do that and he needed full payment immediately. I explained that I could not afford to pay the amount in full but I could make payments of {$100.00} per month and make settlement arrangements in XX/XX/XXXXwhen I received my military sign on bonus. He said he could not accept this arrangement. I asked for the payment address so I could begin mailing in payments. He said that I could not mail in the payments. I asked again and he said that he could give me the address but they would only accept payment in full. I asked again for the payment address and he refused to give me the address.
Consumer complaint received 2023-03-22
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2022-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

I received a letter from American Coradius International LLC, on XX/XX/2022. The letter identifies them as a debt collector, and provides three pieces of information : 1. that I owe XXXX ' XXXX 2. An account number that is extremely long and that I have never seen before ( in the last XXXX years ), and nor does XXXX understand the format of the account number and 3. that I owe {$40.00} and they would be happy to take my payment. 

The letter has no website listed, and they are not currently answering the phone number provided on the letter. ( XXXX ) They do cite www.cfpb.cov as a place to understand rights. 

I have also called XXXX and they are not familiar with this agency, nor do they consider any of my XXXX accounts in anything other than a perfect standing. 

Given the shady nature of this message and lack of real information I do not feel its appropriate to add any of my personal information to their 'form ' and mail something back to them. How can I understand if this is real without losing my personal information and being scammed?
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (VA)

XXXX XXXX charging me for XXXX XX/XX/2022 in addition to XXXX charges, I did not authorize XXXX to charge me. I was double billed XXXX, XXXX, XXXX, XXXX, XXXX, for which XXXX refunded only XXXX and XX/XX/XXXX.I have requested multiple times refunds for those months of XXXX XXXX XXXX, with XXXX denial per their terms and conditions. I maintain my consumer rights have been violated.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge 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)

I filed dispute XXXX I proved the item was returned, retailer did not issue refund as promised. I provided Tracking # and proof of return, and email from retailer confirming refund which Citi ignored and simply refused to honor the return and credit.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had 2 capital one credit cards opened in my name in a case of fraud. Capitol one removed one of the cards from my credit report and not the other one. They both were opened within months of each other using the same information. I have tried to resolve this with them multiple times with no luck. This is a serious problem.
Consumer complaint received 2022-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (IA)

In XXXX of 2021 i switched from XXXX to XXXX XXXXXXXX. I was not on contract and with ( XXXX  ) to come into store. I refused and they billed me for the next month and only the next month. If anything they owe me for a half month of service. They have collection agencies harassing me
Consumer complaint received 2022-06-18
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. (WI)

In accordance with the Fair Reporting Act JXXXX XXXX XXXX XXXX  acct 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 an account without my written instructions.
Consumer complaint received 2018-11-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Cash Central/and affiliated collection agencies have repeated called my place of employment, friends, and even family members mentioning my debt. They passed on the debt and people are still calling my family and now my NEW place of employment stating " I need to comply or else I will be picked up by the law enforcement assigned to my case. '' This has been on going since 2016.

I would like for the harassing phone calls to my friends, family, and place of employment to stop.
Consumer complaint received 2018-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I just wanted to make you aware of a recent mortgage payment I made to Wells Fargo ( WF ). I've had my home mortgage at Wells Fargo from the beginning, 11 years now. I've mostly paid more than the mortgage by XXXX or XXXX. WF always applies the extra money to the principal. My mortgage payment is XXXX. The last 5 months, I've been paying a large amount to principal because I want to pay off my mortgage. I paid XXXX for XX/XX/XXXX mortgage. WF put XXXX towards XX/XX/XXXX principal and applied the rest to XX/XX/XXXX & XX/XX/XXXX mortgage payment. I called on XX/XX/XXXX and talked to XXXX at WF. She corrected the issue and said the computer assumed I wanted to make an extra payment with the extra money instead of apply it to XX/XX/XXXXprincipal.
Consumer complaint received 2023-03-22
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 want this late payment updated from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2018-11-12
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. (GA)

On XX/XX/2018 I started receiving alerts from my credit report monitoring service that several inquires were hitting my credit at the same time. Being that I have very good/great credit, Im worried that one of the inquires may have turned into an approved/open account. If that is the case then I will be see what I have to do to get that account closed and removed from my credit. 

In addition, I purchased a car from XXXX XXXX XXXX XXXX on XX/XX/2018. However, two new inquires showed up on my credit on XX/XX/2018 and XX/XX/2018. I did not authorize XXXX XXXX XXXX to pull my credit AFTER I've received the vehicle.