davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I respectfully request an Investigation on the automobile manufacture Toyota, CEO XXXX XXXX, CEO XXXX XXXX, and CFO XXXX XXXX as I have been complaining to Toyota in reference to their possible deceit with their vehicles reported Miles Per Gallon ( mpg ) and fuel efficiency. I am stating that Toyota is possibly falsely marketing and advertising that their cars are getting a higher miles per gallon than they are actually getting, possibly conspiring to commit fraud against me, and the United States Consumers, possible Wire Fraud and Violations against the Clean Air Act, possible collusion, possible Obstruction of Justice and Importation of goods through false statements, also possible Predatory, Deceptive and Unfair Trade Practices, to include fraud, forgery, and perjury. 

In their letter to me, dated XXXX ( attached Exhibit 1 ), through the statements of the Toyota Attorneys XXXX XXXX and XXXX XXXX, they affirm that the Toyota on-board computer was reading ( XXXX mpg ), which is almost 16 miles per gallon more than what the vehicle was actually getting and the marketing of the miles per gallon in this vehicle. In this letter, they showed pictures of what the on-board computer was displaying, then copies of what the actual miles per gallon received, which was XXXX mpg ( Exhibits 2, 3 4 Gas Receipts dated XXXX ). That is almost a 16 miles per gallon difference, proving the possible felonies above. 

I sent Toyota 2 letters ( attached Exhibits 5 and 6 ) complaining about my low gas mileage that I was getting in the new Toyota XXXX XXXX XXXX  I bought from Toyota above. I have been complaining to Toyota since I first received the XXXX car in XXXX about the low miles per gallon, which I was receiving about 50 % less mpg ( about 37 mpg ) than what was told to me by the Sales Manager and General Manager from XXXX XXXX XXXX XXXX XXXX XXXX ( 65-69 mpg ). I had called the Sales Manager over 10 times requesting advice on how to get the gas mileage that he and the General Manager had promised me, along with the XXXX XXXX ( attached Exhibit 7 Window Sticker ) which was the only reason why I bought the car. The XXXX Label was at least 10 miles per gallon higher than the actual miles per gallon received. This in itself may be predatory trade practices. I took my Toyota to the XXXX XXXX XXXX XXXX dealership on 3 occasions speaking with the service manager XXXX XXXX for the service department to check the electric motor and batteries to determine if there was a problem. At each inspection, the result was the same : The vehicle is in perfect working condition as it was meant to work and operate.
Consumer complaint received 2018-10-29
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. (MA)

These accounts are fraudulent, after receiving collections calls I decided to look into my credit report, I would like to have these fraudulent accounts removed from my credit report immediately. 




XXXX XXXX  XXXX  XXXX Status Closed Balance {$2600.00} Type Credit Card Payment Status Late XXXX  XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$4600.00} Type Installment Loan Payment Status Late
Consumer complaint received 2023-02-08
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: SYNCHRONY FINANCIAL (GA)

I had a problem with Synchrony Bank concerning over charging me with recurring charges. They attempted to correct the recurring charges after I submitted a complaint to OCC but they changed my credit limit from {$5000.00} to {$250.00} and then had a rep give me a phony URL address which locked my computer and my identity were stolen with my old card. They told me my old card was suspended and all charges on the card was suspended as well. They issued me a new card with a new ending and my limit was back to {$5000.00} when I called to inquire about all those charges popping up on my Bill Pay from XXXX XXXX XXXX the issuer coming from Synchrony Bank. I find out about all these recurring charges and the rep telling me I owed {$50.00} I said for what? Everything from the old card was suspended after my computer was locked after the phony URL given to me by your rep ; then, she said it is a billing dispute and I said when are you going to straighten the issue out. Plus contact XXXX XXXX XXXXXXXX where's my Bill Pay and all these statements coming up. I donot understand where they are coming from and at first I was paying them but not anymore. YOU ARE just adding interest and late fees. When, I hung up. Synchrony Bank sent me a statement they changed my credit limit again from {$5000.00} to {$250.00} and I reported everything to OCC then OCC sent me a letter to report everything to you without letting me know which of these case numbers generated was Synchrony Banks. I have three case numbers : XXXX.
Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

In XX/XX/2014 my father died. A person ( now deceased ) removed monies from a Chase savings and checking account that belonged solely to my father. That Person was not signator. Chase has repeatedly refused to explain or provide an accou t beneficiary form. these are the two accounts # XXXX {$9600.00} # XXXX {$6600.00}. The estate of XXXX XXXX is now closed as the heir I am requesting the the CPFB have the bank Chase # XXXX return the stolen monies. The bank had no right to release any of that money and they owe me.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

I sent a letter on XX/XX/2024, asking for my address to be update so i can remove other address from my credit report that is no longer associated with myself. I emailed XXXX XXXX and he responded that everything was ok and he updated my address. This morning on XX/XX/2024, i get an alert from my credit report saying i added a new address and it was not correct it was XXXX XXXX address. I emailed XXXX XXXX again and he said he updated it again. I also called in to express my issue and they said that they updated and it would take about 30 days which is unacceptable. I have a fraud alert on my credit report and this is causing me so much stress. There is a lot of fraud going on and this ran me through the roof. I also asked them for their mistake to waive the 30 day late reporting off of my credit report and still no response. This was an easy fix and now i am stressed out because i have to contact my credit bureaus to fix the problem and wait 30 days for their mistake i want something resolved about this before i take further action. This is not ok due there is a lot of fraud going on so XXXX XXXX can just update my information he needs to be removed from the company because its causing me a lot of stress trying to fix his mistake.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

in accordance with the Fair Credit Reporting act 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 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted Transunion to advise that I had been a victim of their Inquiry issue. I contacted Transunion and they refused to remove the unauthorized inquiries on my credit report. I called on XX/XX/2018 and spoke with several representatives that were rude and would not address the issue or concern. I have also mailed a certified letter detailing the same information.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Im a victim of identity thief so theres different name and address on my credit report and some of my credit cards are not reporting on my credit report, My XXXX XXXX, My XXXX XXXX and my XXXX all in Great standard but theyre not on my credit report
Consumer complaint received 2018-10-29
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)

I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX  XXXX XXXX  XXXX # XXXX, This account is a duplicate please delete XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.
Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My account was compromised and when I realized my purse was missing XX/XX/2018. I called Chase Bank to inform them of this XX/XX/2018. I asked them to turn off my card once I had heard the different transactions that were unfamiliar to me. I then filed a claim on these transactions. I was sent letters that stated that I would be temporarily given a credit until the investigation was over. One morning I went to pay a few bills and I had noticed that my account wen from {$1100.00} to $ XXXX. I then called chase and they told me that my claim was denied because I didn't dispute the lesser amount charges, and when asked why I told them that one of their employees asked me which claim was more concerning to me and of course I stated the larger more noticeable amounts. I called in again to speak to a higher authority and an agent by the name of XXXX was very nasty and not very helpful. She told me that they denied my claim because my pin was obtainable from the items in my purse therefore I compromised my own pin. I then proceeded to ask her what I needed to do for them to further investigate, she stated that I should bring supporting documents and I asked her for an example and she stated that she couldn't advise me on that and I needed to figure it out on my own. I asked her if I should obtain a lawyer and then she said " Ok so you are threatening to get a lawyer correct ''? I then asked her why would you use such strong language as " Threatening '' she then recanted and said she never used such a word and I advised her that the calls were recorded. After my account was compromised chase went on to treat me as a criminal instead of a victim and they robbed me for the remainder of my funds. I will never in my life trust Chase Bank with any of my money again.
Consumer complaint received 2018-10-29
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. (OH)

I have some addresses on my account that are not mine showing. I need my account updated to reflect my current correct and only address. My full name is XXXX XXXX XXXX please delete any other variation. 
I am XXXX XXXX XXXX of XXXX XXXX XXXX please delete any other variation. I need the following addresses deleted they are new mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2022-02-18
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. (CT)

On XX/XX/21 I filed a FTC report. On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2023-03-21
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. (AZ)

I am diligently checking my consumer report and I have found reportings that are violating my rights as a consumer. I need this item to be updated as paid on time as it is hurting my good name. The account XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX are violating my rights under 15 USC CODE 1681a- definitions ; rules of construction | US CODE | US LAW | XXXX / XXXX XXXX XXXX 15 U.S Code ; 1681 S-2 - responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ;
Consumer complaint received 2022-03-13
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)

I have been in communication with Experian for almost a year trying to get them to update my credit profile. XXXX and XXXX have updated my credit profile to show new lines of credit that I have acquired in an effort to improve my scores but all attempts to get Experian to update my file have failed. Experian refuses to update my mortgage history and all other credit I have obtained. The only trade line they show is a negative account that was resolved and I had to file a complaint with them to update that account to show it paid. This situation continues to cost me money as some companies credit decisions are only based on Experian 's report. My attempts to utilize my relationships with my credit unions have all been denied due to my Experian credit profile or lack thereof. This has caused irreparable damage to my finances due to rising interest rates and my inability to get my mortgage refinanced thru my credit unions. I demand that this failure to comply with credit reporting guidelines be fixed immediately.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was using my first credit card with XXXX XXXX XXXX and I was unable to afford the payment on months due to being unemployed and a student. 

There were 2 missed payments in XX/XX/2016 and there has been nothing since then. 

I am working diligently to rebuild my credit score so I am able to save up and buy a home in the next couple years. 

This would be amazing to get off my report.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to report a serious case of identity theft and unauthorized account activity that has affected me. I recently became aware of multiple data breaches that have exposed my personal information, leading to the opening and operation of accounts without my knowledge. I believe this has had a significant impact on my financial well-being and personal security. 

I was initially informed about these data breaches through notifications on my computer browser, indicating that my sensitive information may have been compromised. Additionally, I received information from my former employer confirming that my personal data may have been part of a security incident during my tenure with the company. 

As a result of these breaches, I have discovered that accounts were opened and operated without my consent. This unauthorized activity is reflected on my credit report, causing further distress and concern for my financial stability. I have taken immediate steps to freeze my credit, but the implications of this breach are far-reaching. 

I am reaching out to you in the hope that your organization can provide guidance and assistance in resolving this matter. I understand that IdentityTheft.gov is a valuable resource for victims of identity theft, and I am seeking support in navigating the necessary steps to rectify the fraudulent accounts, protect my personal information, and mitigate any further damage to my credit.

In addition Hello, and thank you for taking the time to read this. Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-07-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  # XXXX, 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 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 as a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-17
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. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting a collection to my credit with a balance that was paid off in XX/XX/2016. There is no reason this should still be reporting a balance and I would like it removed off of my credit report immediately.
Consumer complaint received 2021-06-25
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: DISCOVER BANK (NY)

the following accounts that appear on my credit report are not mine, they were not authorized, please review Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.