davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

I have a loan payment with Toyota Financial services for a XXXX Toyota Corolla. 
I 've had the loan purchase since XX/XX/XXXX and I 've realized that the Financial Service are Double Billing me, with an already High Interest rate, then threaten repossession If I do n't pay the double charge. My balance over a years worth of made payments are not as it should be. I 've asked for a transaction history to compare my payments/receipts and sent my bank statement of the date I was first told in XX/XX/XXXX my Payment was not received. I have not been mail or sent a payment transaction history at all. 
The date the discrepancy in billing started, was XX/XX/XXXX. My payment amount is XXXX a month and they repeatedly, since XX/XX/XXXX say I have not caught up till this date and I 've made double payments on 3-4 occasions. I 've also paid my bill XXXX XXXX 3 times and on one of the occasions they said they did not have the payment If I did n't have my receipt, then said, " Oh! I see it here ''. I believe the other XXXX XXXX payments, which were two other ones, they are saying I did n't pay for those months either. Please Help. XXXX XXXX
Consumer complaint received 2022-11-16
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. (NV)

I found account on my Equifax credit report that was opened around 6 months ago. That do not belong to me. Account belong to XXXX XXXX. It is line of credit for about XXXX. That somebody is using it and make regular payments. I dont understand how this company could open account without hard inquiry on my credit? I noticed this account by accident. I contacted Equifax to remove this account from my credit report.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was alerted by vendor on a fraud alert with Transition and the other two credit bureaus. 

I DID NOT Order nor authorized a credit freeze or fraud alert. I want them removed immediately.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (NC)

It has come to my attention that Medical Data Systems is reporting an alleged debt on my consumer report without my written consent to do so. 

The reported information is a violation of the Health Insurance Portability and Accountability Act of 1996 also known as HIPPA. 

The FCRA has affordable me the informed consumer the right to privacy and Medical Data Systems has violated that right by reporting protected information on my consumer report.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (VA)

I was not aware that a judgment has been placed to our house until we applied for a refinance of the house. What happened was XXXX XXXX XXXX offered me a service to be able to accept credit cards as payments for my business. I agreed to it and signed the contract but after a few days I found out that there were more fees to pay each that was not told during the presentation. So I cancelled it right away but they won't let me. I didn't even get a chance to touch or use their device. They kept harassing us to pay for a year contract but I told them that I'm not paying for it. Little did I know that on XX/XX/XXXX a judgment of {$1500.00} was against me in favor of XXXX XXXX XXXX. 

Because we want to proceed to the closing of the loan the Title Company tried to contact XXXX XXXX XXXX but was unable to locate them anymore. After a lengthy research they found that it is now handled by the XXXX XXXX. So the XXXX XXXX  XXXX XXXX immediately reached out to the XXXX XXXX to get the payoff amount but to no avail. The XXXX XXXX  XXXX XXXX have reached out to XXXX XXXX 10 times between XX/XX/XXXX and XX/XX/XXXX. They have talked to several contacts on several dates and did not get the payoff needed. We are unable to move forward without a payoff from XXXX XXXX. I myself attempted to call several times and the same result. It's costing us more due to the interest lock in had expired. 

I need your help please!! My case number XXXX and the XXXX XXXX phone # XXXX. The last contact made by the Title Co. was on XX/XX/XXXX and was transferred to lien specialist at Ext XXXX, spoke with XXXX and my name was provided and she stated that she didn't remember seeing that account but will review the request and will get to us as soon as possible.
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

My ex husband got a house with me in my name then he XXXX XXXX me and I moved out and filed foXXXX XXXX  and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.
Consumer complaint received 2023-06-22
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: JPMORGAN CHASE & CO. (NC)

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

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NC)

I spoke to this company and stated that I was in a hardship due to the pandemic and they told me that this would not reflect on my credit at this time because of the cov-19 they would not show that I was late at all because that was law. This is for my XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. This hardship was due to my employment status that affected my payments. I was told that I would not show reported late. Please help me out as this was not my fault as a consumer. I am in the process of buying my first home and by this company telling me inaccurate information about my late payments may hurt me now. When they told me I would show current. Please help me as this has been a stressful time for me as a consumer and my family. This account has been paid in full.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX XXXX I deposited a check for {$6900.00} which I received from buying Home office setup from a propective employer. Once i deposited the check it was in pending status for whole of Friday and saturday the amount was added to my balance which I understood that is happened after the check got cleared. After the amount reflected into my account I withdraw {$6700.00} for the purchase of the office supplies as instriucted my the prospective employer. 

On XXXX XX/XX/2023 on checking my daily balance mail realised that my balance is lower than expected and when logged into the bank account found that the check {$6900.00} has been returned with message " Refer to Maker '', when I enquired with the bank ( Chase Bank ) they say that check was not cleared and they had actulally given me temporary credit. I checked with them how would customer know that its the temporary credit and not the actual check getting cleared to which they do not have any answer but they can't still raise a dispute for the same with the counter part bank which check was given to me. 

Due to bank 's temparory credit, about which I was not having any knowledge not was informed my the bank I lost money. When i tried contacting the issuer of the Check now he is not responding and rulling out any help about my loss.
Consumer complaint received 2020-09-25
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. (GA)

My information was involved in the XXXX  Breach and I found a lot of things on my account that was not accurate / I disputed the accounts and they were deleted from one of the credit bureaus only / I noticed that the information was still on my credit report and sent documentation to all 3 bureaus again and the other 2 remaining credit bureaus will not remove them from my credit report and me and my husband is attempting to purchase a home and we can not due to the errors on my credit report. I would like for these items to be removed so I can move forward with my home and life here are the accounts that was removed and are still on my XXXX and Transunion report All of these accounts were deleted from my credit report and i mailed it in to all 3 bureaus and no resolutions for none of them they are still showing on my credit report until this day XX/XX/2020. All of this documentation was from my XXXX account and it's showing as if I am not credit worthy at all. I also wanted to inform that it is my right for most of the companies to be removed because the information on the reports are not the correct information as far as my personal information and also when I first acknowledged the information on my report the amounts that they stated someone had charged or spent is even different from credit report so that's why I know the accounts were fraudulent and needs to be removed and my next step is to hire a attorney if this can not be resolved because it has went on to long with no resolution and me and my fianc is attempting to purchase a home.
Consumer complaint received 2023-08-09
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. (NJ)

Inaccuracy reported by credit reporting agency which asked to correct Paid as agreed no lates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED- XXXX XXXXDEPT OF EDXXXX XXXX XXXX XXXX/DEPT OF ED-XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.
Consumer complaint received 2019-06-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Fleet Financial, Inc. (FL)

I bought a new XXXX XXXX in XX/XX/2016, the apr was very high at 17 % financed by XXXX XXXX XXXX. I received a flyer on the mail from ilendingdirect with a refinancing offer and I called them. On the phone, I talked with some representative like 2 weeks ago, and he offered me very attractive numbers, like an APR of 6 %, a reduced payoff balance from XXXX to around 11k, a new monthly payment of {$310.00} ( compared with {$390.00} i was paying ) and the same remaining period that is from 36 to 39 months. I verbally agreed with these offers from ilendingdirect. Immediately after that, this man sent me electronic documents to sign and, without give time to read, he made sign and write down my initials on the parts he pointed me to do so. I was told that my new financial institution would be XXXX. 
After a few days I called XXXX And asked about my loan refinance status. 
They identified my loan, but they told me a totally different numbers. the new payoff balance raised up from XXXX to more than 14k, the new period of time from 36 to 54 months, the only true thing he said was the monthly payment ( {$310.00} ). 
I called ilendingdirect direct to complain, and the same man told me that I dont understand mathematics and even told me that i dont understand English. After these insults, i asked him to please cancel all this operation because I never agreed with something like that, and he said No because it has already been processed. 
I dont really make too much money in my job, and I was looking for some reduction help from 17 % APR to something better, I never thought i would ended up paying more money. I better stay the way my loan was before. 
They told me lies on the phone and made sign a different thing. 
I fell scammed and Im looking for help.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: MoneyLion Inc. (MI)

Moneylion had taken out loans in my name..because I donated {$50.00} to XXXX XXXX XXXXXXXX  to help musicians out because of the pandemic..they tried taking {$1500.00} out on my bank card..then they got loans to get the {$1500.00} then damaged my credit..I don't live in XXXX XXXX transition dispute XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. File # XXXX Money lion Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have a bunch of different amounts in my name..I have had my credit ruined..my car insurance went up..I had a card that was canceled on me because of them and I can even get another car because of this...
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion & XXXX XXXX is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that XXXX XXXX is reporting a collection on my credit from XXXX. According to the Fair Credit Reporting Act ( hereafter referred to as FCRA ) Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed I am absolutely certain that the item is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.
Consumer complaint received 2016-02-19
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Santander Consumer USA Holdings Inc. (VA)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Santander consumer usa Santander consumer usa credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : SANTANDER CONSUMER USA XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I XXXX verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (DC)

Over the holidays, between XX/XX/XXXX and today, XX/XX/XXXX, Chase Bank has charged me Insufficient Funds fees ten times, totaling {$340.00}. 

These fees are excessive, flagrant, and predatory. They also do not seem to comply with the Consumer Finance Protection Bureau 's 12 CFR Part 1005 ( Regulation E ). I have not opted-in to these overdraft services. In fact, on more than one occasion, I have spoken to Chase Bank customer service representatives about ensuring that Chase Bank does not provide this predatory service to me, and I have been told there is no way to opt-out. 

I have asked, " if my account has insufficient funds to cover a transaction, how can I prevent Chase Bank from issuing the funds and charging me this {$34.00} fee? '' to which I was told there was no way for customers of Chase Bank to avoid these fees. 

But XXXX ( b ) ( 2 ) states that Chase Bank must provide equal services to customers who do not opt-in. If there is no way to avoid these fees, then Chase Bank is not complying with this provision. 

Chase Bank has refunded some of these fees, but all should be refunded, and no further fees should be issued as I have not opted into this predatory practice which CFPB has recognized as a crutch that the banking sector relies upon to siphon money out of the more vulnerable and into Chase 's ledgers. 

I expect that Chase Bank will reply to this complaint in the following way : They will furnish some purported evidence of an affirmative consent where none exists, likely obtained through the flagrant practice of smuggling binding and irrevocable consent agreements into otherwise routine terms and conditions, which is an attempt by Chase Bank to neuter the CFPB 's authority. 

I encourage the CFPB to recognize this for the manipulative attack on its statutory authority that it is and to continue pursuing regulatory action against this overdraft fee practice that overwhelmingly targets the poorest or vulnerable, whom Chase Bank has demonstrated it is eager to exploit.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

Experian & XXXX XXXX is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that XXXX XXXX is reporting a collection on my credit from XXXX. According to the Fair Credit Reporting Act ( hereafter referred to as FCRA ) Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed I am absolutely certain that the item is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

I periodically receive emails from Paypal saying that they are updating their legal agreements and informing me that I am agreeing to be bound by their updated terms unless I close my account. I no longer wish to use their service anymore, so I want to close my account and delete my data. 

However, when I try to close my PayPal account, I receive a message that I can't close my PayPal account. I have attempted to contact customer service about this multiple times, but no one has been able to resolve my issue.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (TX)

The below companys have reported my account as past due for 60 days when payments had been done timely, credit one has reversed one and acknowledge it was their mistake but have failed to remove second one while self inc has not done anything to address this matter. 


XXXX XXXX XXXX Self inc