davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY (FL)

Acquired a car loan in XX/XX/XXXX. Due to covid and loss of wages, i was unable to keep up with car payments. Was approved for covid relief until XX/XX/XXXX. After that date I never again received a payment statement in the mail. I called many times to request a payment invoice and never received one. On XX/XX/XXXX I contacted TDAuto Finance to again request in writing, the amount owed in missed payments. The customer service rep I spoke with said he would mail out statement containing information on what I owed for missed payments. I informed the customer service rep that I was ready to catch up on payments and just needed total amount in a statement. I never received that statement. On XX/XX/XXXX my car was repossessed, with the cremated remains of a loved one inside, while I was running errands. I came out of a store and found my car gone. Leaving me stranded. I had to taxi home for {$37.00}. I contacted TD Auto Finance and they said I had to pay off entire balance to get car back. I had not received any written notice or phone call stating my car was in repossession status. According to Florida law 537.012 section 2 which states before the lender engages a repossession agent, they must afford the debtor an opportunity to obtain their personal property. I was never afforded that opportunity. After contacting TD Auto Finance on XX/XX/XXXX and informing them I vwas ready to catch up on missed payments, I dont understand why at that point they would repossess my car as i was making an effort to pay entire balance of missed payments. I am a senior citizen now stuck at my home with only a taxi for transportation, which is very expensive for me due to location of my home
Consumer complaint received 2018-08-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I am surprised to see a late payment reporting in XX/XX/2017 from Toyota as far as i'm concerned all my payments have been made on time. I have made requests from toyota to show me when they received the payment which would have caused this late to occur I have yet to receive a response.
Consumer complaint received 2019-03-14
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: Santander Consumer USA Holdings Inc. (FL)

I did not authorize XXXX XXXX to review my credit report. I have a extend fraud alert on my credit reports. XXXX XXXX did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX  reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Consumer complaint received 2023-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (CA)

I am disputing a collections attempt from Lien Enforcement Inc. for the amount of {$4300.00} plus interest of {$29.00}. The stated debt is from a previously owned and sold vehicle ( XXXX XXXX XXXX last of VIN # XXXX ) that incurred towing fees at a later date - not specified by the creditor. The vehicle was sold on XX/XX/XXXX and the Release of Liability was promptly submitted to CA XXXX. On XX/XX/XXXX I spoke with XXXX XXXX from Lien Enforcement Inc., and advised that I would be disputing the debt and sending them proper documentation via certified mail showing them proof that I was not the owner of the vehicle at the time the towing fees were incurred, including the Bill of Sale and Release of Liability. As of today, I have received another letter asking for the debt in full, but never received acknowledgment of the dispute. In attempt to resolve this issue, I have called Lien Enforcement Inc. and talked to several representatives that have only continued to tell me that this is still my debt and just hang-up on me. I have exhausted my options and need additional help resolving this matter.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I HAVE NEVER HAD AN XXXX ILLINOIS ACCOUNT EVER. I HAVE XXXX   MO. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT AGENCIES BACK IN XX/XX/2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THE ACCOUNT WAS REMOVED AT SOME POINT NOW ITS BACK AGAIN.THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX   MISSOURI FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

The problem is I consolidated all my loans due to interests accumulating just got higher and higher in the amount of XXXX. My loans from the schools I attended XXXX loans were higher.. I work for a non profit and I fall under all the criteria for public service and Navient formerly Sallie Mae and the Department of Education didn't help or any of there programs my payments are still out of my reach and I have a low paying job because non profits don't pay much and this situation is very stressful XX/XX/2018
Consumer complaint received 2019-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a customer with capital one for 3 years.. And I have been paying on time. But I got behind on my account because I lost my job and had a baby. I wrote a letter to then explaining that. They checked my credit, which I didn't know was going to happen.. and drop my score down 30 points. Then I received a letter stating that they can't remove the late payments. I really think that sucks.. I have been paying my account on time each month. All I ask is for a little help to get my credit score cleared. I messed up and I'm sorry. I trying to make a better life for my family. I want to buy a house and those late payments are holding me back. Please please help me.
Consumer complaint received 2022-07-12
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. (GA)

XXXX XXXX XXXX XXXX XXXX continues to inaccurately report a Business Account that I am not liable for on my credit report as a Personal Flexible Account which is not correct and is a violation of my rights per FCRA. Additionally, XXXX XXXX has confirmed they will report this account as In Dispute per FCRA, however they have failed to that as well. I am requesting this business account that I am not personally liable for to either be removed from all of my credit reports or appropriately update this account from Personal Flexible Account to Business Account and update the status/comments for the account as In Dispute per FCRA as agreed.
Consumer complaint received 2019-08-21
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. (TX)

XXXX  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2019-01-07
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. (FL)

Contacted Experian dispute wound up in XXXX XXXX- I have multiple reports open YOU failed to address nor did they! Information still wrong- address- our contact phone number- bankruptcy over 7 years they advised it would be removed. Account balances still incorrect. A number of accounts XXXX or reduced they reflect wrong! All of this has impacted us financially- myself and wife who are listed for all of the same! Credit score advised last month XXXX congrats- when applying for credit XXXX! Very upset our so called " SECURE '' information open to foreigners and may be subject to hacking and YOU do nothing- yes nothing- So where is the " protection? " I want a written reply why! Need change of address and phone number to account. This action has been done multiple times and is still incorrect.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (VA)

I was talked into a card I didn't need.It had perks such as a hat, tote bag and a discount.XXXX XXXX XXXX card issued by XXXX XXXX XXXX.Made a {$52.00} XX/XX/XXXX and did not receive a bill for quite a while.First bill arrived with a {$27.00} late fee.I attempted to pay the card but mu account information was not recognized.On XX/XX/18 I called and talked at length with a rep and tried to pay the balance and get the late fee expunged.XX/XX/18 a confirmation number of XXXX was assigned.Next bill came with additional {$38.00} late fee.At this point I couldn't believe this was happening and emailed them concerning the oversight, ( Picture of email attached ). Now the charge is {$53.00}, {$80.00} and $ XXXX.I am a senior citizen who has strived to maintain an excellent credit score all of my working life.On XX/XX/18 I paid the full amount {$91.00} because nothing else was working.At that point I sent an email ( attached ) to XXXX 's customer service so they would know what was happening with the card.Apparently my credit score has taken a big hit due to this unethical business practice of XXXX XXXX.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (NC)

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 2019-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

When I make extra payments to be applied to the principle they apply it as a payment. I emailed them on XX/XX/XXXX and no one has responded. I also tried calling 3 times and Ive waited on hold as long as 20 minutes and still unable to speak with anyone. I want to make sure that extra payments Ive made in both XXXX and XXXX were applied to the principle only.
Consumer complaint received 2021-03-08
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. (PA)

This complaint is in reference to XXXX and as of the date of this complaint I have received zero proof from the results of our investigation. This actions of Transunion has resulted in denial of credit and violate FDCPA Recap : Error was detected on my credit report and filed an investigation into the matter utilizing Transunions online dispute portal Transunion dispute submitted on XX/XX/2020 Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent Several Months Ago ). 
Despite no response from the company, Transunion verified the information Transunion has a duty to validate information, not pass the burden to the consumer This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received zero correspondents from XXXX. 
Company directly submitted information to credit bureaus without notification or validation and Transunion continues to furnish and sell incorrect information which has caused negative impacts
Consumer complaint received 2019-01-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/XXXX ), TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question  should be removed from my credit report. 

ACCOUNTS XXXX XXXX never late XXXX XXXX   XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized
Consumer complaint received 2019-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OH)

XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the acct. responsibly. However during that term I managed to acquire some alleged negative credit items with XXXX.Eventually I look forward to the correct status of this inaccurate account., and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.
Consumer complaint received 2024-02-08
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. (OH)

I recently checked my credit and notice accounts that are not mines. These accounts were : XXXX XXXX  XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX cards is on there also and its alot of inquire on my credit report that are unauthorized by me i have no knowledge
Consumer complaint received 2019-01-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (SC)

I did not have enough money in my account when my mortgage payment was presented for {$840.00}. Wells Fargo went ahead and paid the check which put my account into overdraft by negative {$330.00}. I would have never wanted this to happen. Now I am having other fees for other transactions that came through. I was charged another {$35.00}. fee for a {$5.00} transaction that was paid. The {$5.00} transaction would have gone through if they had never paid the {$840.00} transaction when I did not have the money in the bank. I understand that I should have balance my account better. I over budgeted and things happened. I could have just called my mortgage company and made arrangements with them. Now I do not have money to take me to my pay day, I have other transactions coming through that I am getting charged {$35.00} for. This is not fair to me. I do think the bank should be allowed to pay for a transactions that is going to overdraft my account for {$330.00} at least without letting me authorize or approve it first. I have the ATM Overdraft on my account, but it will ask me first if I want to do this and let me know that there is a fee. I would have preferred that the bank would have sent this back with out paying this and not charge me any fees if something else came through, especially for {$5.00}.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ID)

I have disputed the late payments on XXXX XXXX XXXX  XXXX account for months with no result. Not only that, Experian and XXXX  also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Its been bought to my attention that I've been apart of a data breach and all that inaccurate negative information on my reports may be a part of that breach. I've been fighting with the collection companies for months on this situation with no satisfaction. I've asked both the companies as well as the credit bureaus to send proof that those accounts belong to me but they refused to. All I ever get are letters stating that the information being reported is accurate and cant be removed. I did not sign contracts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Its been bought to my attention that I've been apart of a data breach and all that inaccurate negative information on my reports may be a part of that breach. I've been fighting with the collection companies for months on this situation with no satisfaction. I've asked both the companies as well as the credit bureaus to send proof that those accounts belong to me but they refused to. All I ever get are letters stating that the information being reported is accurate and cant be removed. I did not sign contracts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-08-21
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. (IL)

XXXX ; Experian and XXXX  are failing to report me as an authorized user on the XXXX XXXX   partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have contacted the ( 3 ) bureaus to add this to my credit report, however I have not been successful. Please add me as an authorized user on this account.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX XXXX Account numberXXXX routing number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX I used to have a credit card from them when I called about too many complaining in my credit card they close my account. And they charge me a lot of fee. XXXX My Social Security XXXX XXXX