davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

To : Consumer Financial Protection Bureau I am writing to bring to your attention an issue that I am having with a Debt collection company under the name of XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a letter where advised that Toyota Motor Credit Corp asked them to collect from me the amount of {$160.00} because according Toyota Motor Credit Corp records after I returned my XXXX leased vehicle by ending XX/XX/XXXX I got an outstanding balance. I first never received notification of a charge against me and this collection letter doesn't explain the reason why I owe them money. I immediately took steps to see what was going on and I decided to call Toyota Motor Credit Corp and  clarify this issue they couldn't explain me the reason why I am getting this charge about it and beside that they were rude over the phone and refusing to talk to me and telling me that I have not longer account with them and I had to be direct to the collection company this happened twice in two different time that I tried to resolve this issue with Toyota Motor, and they kept re-directing me to the collection company. After feel so frustrated I decided to call the dealer XXXX XXXX where I returned my XXXX leased and spoke with same sale person who took my leased back and sold me a new XXXX leased and he checked my records and he said Toyota Motor Credit Corp is charging me because I didn't return the 2nd Key from my XXXX Leased and I called again to Toyota Motor Credit and advised them that I still have the XXXX Leased key with me that I can return it and also I asked them how you can charge for something that I wasn't aware that I will get charge if I don't return also there is not where saying that I have a time frame to return the key and get charge for if it doesn't get returned. I am very concern at this time because they sound not be reasonable and careless if they make a negative mark on their customer credit records for something can be resolve in the right way. Once again I never get any disclosure that I had to returned the 2nd key in a time frame if not I will be charge for. This is incorrect and not acceptable. I really appreciate if someone can assist me in this matter. Thanks!
Consumer complaint received 2018-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MI)

After filing complaints about 1 month latter Huntington Bank has done the same thing of doing overcharge fees on items I dont have. Including charging me twice for same item then charging me overcharge fees. Also they received a complete account audit letter from my attorney and me but havent done audit. In conclusion, still from previous complaints I havent found out why a electronic check was cashed listed as paid then a week later disappeared from account and listed as unpaid but I never was notified and still havent been refunded. Nor has what happened been explained, which a audit should do.
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (VA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

In XXXX I was holding for hours for Santander to advise them that my payment would be a few days late. I was furloughed from work due to covid. I couldnt get through. i made the payment in XXXX and was hit with a late marker. I sent a letter to the credit bureaus and company. No response
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

Southwest credit systems l.p. violated my rights by not notifying me of my right to dispute. 

Item appeared on my credit between XX/XX/2018 and XX/XX/2018, with no prior notification that they had purchased a debt, and that they Intented to report to the credit bureaus. They failed to notify me of my right to dispute. 

As this is a clear violation of my rights remove asap.
Consumer complaint received 2018-12-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (NY)

A representative from UCB ( united Collections Bureau ) contacted a phone number that has not been provided and claimed that they have attempted to call numerous times while this is the first time this company has called. This number was new and the representative claimed they were calling a New York Company number. 

When asked for the name the of the company for which the person they were looking for worked at the representative mentioned the company that I am currently calling. When asked to name the company she's calling she immediately changed the subject and asked if the person worked at the company she was calling at. When mentioned to the representative that she could be transferred to the Compliance Department who can assist with the situation the representative became defensive and immediately said " No that would be okay, goodbye. ''
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

My mortgage originated with XXXX in around XXXX. It the went to XXXX XXXX and the servicers were XXXX, then XXXX and now Carrington Mortgage Services. During these shifts I was told I was behind, which I do not remember ever not paying my mortgage ; however, I did ask for a modification with XXXX and was declined. At that time XXXX XXXX XXXX took over, then when XXXX took it I was again told I was behind. Due to their aggressiveness I filed a chapter XXXX in XXXX, with no other credit issues but the mortgage. I filed with a lawyer who made a comedy of errors and I had to retain new council. I was given the wrong amount for payment for close to two years and was sending in an underpayment. The bankruptcy court alerted my attorney and we made a plan to make larger payments to put it back in correct status. XXXX and Carrington both had representatives who verbally told me the amounts sent in from the trustee were a mess and needed to be audited ( repeatedly ). It also appears to me the trustee failed to pay a note or more than one note, as one of the attornies in the trustee 's office was fired. 

While with XXXX, I asked for an accounting the rep told me an estimation, and I got the amount he gave of approximately {$2000.00} out of my XXXX to pay. He said they would do an audit and he estimated I would still owe approximately {$500.00}. It then went to Carrigington who gave me a bill for $ XXXX in XXXX or XXXX of XXXX which I paid. They then showed I didn't owe anything for several months when I looked on line, not sending me any statements. After a couple of months I started making payments by mail as they blocked me on line. I have no idea if their figures are correct, no one will give a full accounting for the life of the loan as I have requested from each of the servicers. I have tried to get information from Carrington including initiating a loss mitigation program with Carrington and that has failed. I have bills from Carrington which contradict each other in the amount I owe and I have received a foreclosure notice for a sale on XX/XX/XXXX. The problem is that I can not seem to determine what is actually owed on the mortgage to bring it current.
Consumer complaint received 2018-12-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (NJ)

BBVA is giving me the run around over closing a CD that recently matured. I have been on the phone for hours and all they do is keep transferring me. I have been told I would have to go to a branch and there are no branches in my state or any neighboring states. It was opened online. They are refusing to close my account at this point and it is over {$100000.00}. Please help, I am desperate for my money.
Consumer complaint received 2018-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2018-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (WA)

On XX/XX/XXXX I sent a debt validation letter to Tek Collections. I received no information pertaining to this debt listed on my credit report. I have tried to email them and got no response. They have no verified I own this debt and I would it removed from my credit.
Consumer complaint received 2020-07-25
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: EQUIFAX, INC. (TX)

The bureaus are reporting accounts that were results of identity theft. I tried times after times to ask for blocking under FCRA 605B but the bureaus do not care. They are violating several laws and regulations but do not seem to care.
Consumer complaint received 2018-05-18
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. (HI)

Equifax XX/XX/XXXX, XXXX XXXX SOL : :XXXX XXXX XXXX XXXX XXXX XXXX  Credit Report Hard XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX Promotional Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   Promotional Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXXXXXX XXXX Promotional Inquiry Soft XX/XX/XXXX XXXX XXXX Account Review Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-21 Promotional Inquiry Soft These inquires were NOT MADE by MY Permission. ( what's promotional inquiry? / SOFT inquiry ) Who gave them permission?? Why did Equifax not alert me??? WHO allowed them to TOUCH MY CREDIT REPORT????

XXXX XXXX DID NOT take my authorization to secure my credit report for an application for Credit increase.

THEY HAVE DAMAGED MY CREDIT SCORE for the WORSE.

I GOT DENIED for a mortgage due to open / too many credit inquiries.
Consumer complaint received 2018-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cedars Business Services, LLC (MD)

This is a complaint filed against Cedars Business Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX After five years since my visit to XXXX, I've received notice of an unpaid ticket from the city of XXXX, XXXX. There are no dates, specific location or any information of the alleged offence. After doing some digging in the internet, I learned that this company tries to scam money out of people who travel overseas. It is therefore that I am filing this complaint against Cedars Business Services.
Consumer complaint received 2020-06-04
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. (CA)

I AM VICITM OF AN IDENTITY THEFT, PLEASE SEE THE ATTACHED IDENTITY THEFT COMPLETED AND VERIFIED BY ME. SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ARE FRAUDULENT, AS WELL AS THE ACCOUNT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE. PLEASE MY REQUEST TO YOU IS TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THANK YOU
Consumer complaint received 2018-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I recently reviewed my credit report and noticed several accounts that I do not recall that belong to me. On XX/XX/2018 I sent out a certified debt validation letter to verify the accuracy on the alleged debt. I requested the following under Fair Debt Collections Act : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : and I received a 1st response with nothing more than the account was reviewed and verified and was being reported accurately with nothing as the requested above. I then proceeded with a 2nd validation letter which I will attach and the 2nd response I received.
Consumer complaint received 2018-12-12
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: Experian Information Solutions Inc. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2022-03-06
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. (NY)

I have filed a dispute regarding the incorrect items on my credit report. 

1. The following late/missed payments are incorrect XXXX  Account Number : **** XXXX 4 missed/late ( XXXX, XXXX ) XXXX 4 missed/late ( XXXX, XXXX ) XXXX 8 missed/late ( XXXX, XXXX ) Please remove them from my credit report. 


15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) CONSUMER REPORT. 
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-07-24
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. (CT)

I began to write disputes to each credit bureau ( XXXX, XXXX XXXX Experian ) In XX/XX/2022 about Inaccurate information being reported on my credit Report. I Read the FCRA guidelines which specifically state that if An account is Inaccurate then it must be Fixed within 30 days or deleted. These credit bureaus have answered with nothing more than A letter saying its been verified but when i asked for the specifics of How these inaccurate accounts were Verified ; I got No answer. 
They send me letter stating that they have received my dispute but then they did nothing to Remedy the inaccuracies. 
I Stated to them that I read How after not updating the correct info, Not Verifying after being asked to verify and Not deleting these accounts that they were in Violation of 15 USC 1681, reporting old debts as new or re-aged and Also Reporting payment activity in the payment history section after the accounts Were charged off and closed.

Im getting tired of sending letters to all 3 of these bureaus to no avail. Im no lawyer but i can read. From what ive learned the damages being caused by these bureaus is Worth me consulting with an attorney. Please help me because I was told that the CFPB is for Consumer rights that are being violated.

I will attach all proof and letters to this complaint as well. All my mail was sent out certified so they can't say they didnt get my disputes. They just keep choosing to break the law and It needs to stop
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I recently started getting a lot of robo calls, for accounts/collections that I have no knowledge of, I was shocked when I checked my credit report and saw 4 accounts and dozens of inquiries that I have no knowledge of.. I wrote all 3 credit bureaus to dispute these items on my consumer report via certified mail and filed a report with the ftc.. however the items are still on my report. I fill like XXXX, Experian, and XXXX have just ignored my disputes and I fill that they are in violation of : Act 15 usc 1681 I am a single mother trying to buy my first home for my family so naturally I need these items removed, although I haven't tried for home funding yet as I'm still saving I feel like these negative items will hurt my chances for funding or make my home loan more expensive than if my consumer report were correct and accurate.
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX  I 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 an account without my written instructions.
Consumer complaint received 2018-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSI Enterprises, Inc. (AZ)

I received a notice of attempting to collect an alleged debt to XXXX XXXX XXXX, by RSI Enterprises , Inc ; XXXX XXXX ; XXXX, A, dated XX/XX/XXXX. This letter arrived in my mailbox at the beginning of XX/XX/XXXX.

It is alleged that I owe an amount of {$10.00} resulting from an alleged service dating back to XX/XX/XXXX.

As per my attached letter to RSI, I was never told of an amount owing, nor was there an invoice furnished, nor a statement ; I am totally perplexed. 
I find it unacceptable that RSI accepts an account for collection without making any attempt to verify the validity of said account. I call this shooting in the dark. 
As it turns out, someone jumped the gun, in the meantime, and reported me to the credit bureaus. I found out today, that my FICO score of XXXX was ducked by three points down to XXXX ( XXXX ) and XXXX ( XXXX, account 28 years and NEVER been late ), respectively. All that without any communications whatsoever beforehand. Shameful conduct. 
Why companies like XXXX XXXX, for example, do not advise their clients before the procedure that there is a co- payment, is totally unclear to me. The way it is now, seemingly, is that a third party ( the provider ) makes a contract with XXXX and the client pays, even though there might not be a contract at all. XXXX XXXX could charge whatever they like and then demand payment, or else. It's almost like giving them a password to one 's bank account.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I contacted XXXX to have them fix balance transfer fee of 4 % to 3 % as advertised on their offer and the zero percent interest charge that they also claim was an error in their system and where charging me. I wonder how many others they have done this too and gotten away with it. I paid the full balance off and asked them to credit the full amounts and that I no longer trusted this company. They refused to credit me!