davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Hi Toyota Motor Credit ; I got into an accident with my XXXX  and the Gap  and insurance should be paying for his. I told you guys about this. 

Im little confused after I review my credit report earlier. COVID19 and you still ruin your clients credit? Wasnt there a special accommodation set in place for this not to happen when I called? Listen, I was protected under Mr. Trump Cares Act and i've called you guys before to make proper accommodations because of the COVID19 pandemic. 

Basically, I was reviewing my credit report and noticed a late payment reported on my credit report by your company. I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditors can not report payments as past due, and make proper accommodations to consumers. 

Also, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and notice that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (NC)

I have attempted several times to correct this problem. All three credit reporting companies are reporting a late status on the XXXX account on my credit report. The first inaccurateness is it was never late. Secondly each one is report a different month in which it was late. 
Experian-Account number-XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX ( XXXX XXXX XXXX ) has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) has it marked late in XX/XX/XXXX, but on XXXX XXXX XXXX  XXXX has it late as 0 times ( see attachment ). I have given documentation of the inaccurate reporting and the credit bureaus have still refused to follow guidelines set forth by FCRA and update the inaccurate information. 

I have also attempted to get in contact with XXXX XXXX XXXX ( XXXX XXXX XXXX ) per email ( request XXXX ) several times ; the last one being on XX/XX/XXXX requesting verification of the date when said late payment was deposited into their bank account ; ie a copy of your bank statement showing the date of deposit. I informed them If could not provide me with the documentation requested to validate said late payment then I requested the company remove the one late payment and update it as current. I finally got a response from XXXX on XX/XX/XXXX stating they are working on the issue after I contacted them again. As of today ' date, XXXX XXXX, I still have not heard from the company or received validation. 
I feel the credit bureaus and XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) have not complied with FCRA laws in reference to this one late payment.
Consumer complaint received 2023-01-26
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. (PA)

My name is XXXX XXXX and Im contacting you to report that the following collection account and inquiry are not mine and I am a victim of identity theft. Account number XXXX and inquiry from XXXX  XXXX and or XXXX XXXX XXXX  XXXX are NOT mine and need to be deleted from my credit report as soon as possible. I did not make these charges. I reported the identity theft to the Federal Trade Commission, FTC, and have copies of the FTC affidavit. Please charges immediately.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

I sent me friend {$40.00} on the XXXX through PayPal because I owed him. PayPal is always instant but this time was not. I called PayPal and was told it just has to be cleared by my bank. It clears the next day and PayPal won't release it even though it was taken out from my bank. Given the runaround every time. Claiming my bank is holding the money but it's PayPal that needs to send the {$40.00} to another PayPal user.
Consumer complaint received 2021-11-30
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)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2020-06-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$840.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (ID)

On XX/XX/2019 a letter was mailed to me by Enhanced Recovery Company. I received this letter approximately on the XXXX of XXXX. This debt that they are trying to collect is from XXXX for the amount of {$690.00}. The origin date of the account is not listed on my credit report, the date field is blank displaying -- / -- and only displays a XX/XX/2019 date. This is not a current debt of mine and the dates are completely false. The day I received the letter I also received notifications from the credit bureaus saying that a new collection account was added and my score plummeted. I immediately disputed this with the bureaus. They have illegally reported this to my credit report prior to the 30 days that I legally have to dispute this. I have received no validation from this company with any dates and they have tarnished my credit. Everywhere I have read is that this company, as early as a year ago, was not able to report to the bureaus because of previous instances. I would assume it was something along the lines that they are trying to do me. I feel that this is a direct violation of the FCRA and stated in their letter I have 30 days to dispute this which I have and they are still reporting to the bureaus.
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (TX)

I noticed ANAUTHORIZED INQUIRIES on my credit report. someone else applied in my name. 

According to the FCRA, these UNVERIFIED and UNATHORIZED inquiries must be remove. 

name of credit bureau : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses.

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer Report.
Consumer complaint received 2022-03-08
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. (SC)

XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses.

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer Report.
Consumer complaint received 2023-06-13
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. (IL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-03-07
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: EQUIFAX, INC. (TX)

On XX/XX/2022 I submitted disputes for unknown inquiries on my report. They responded within 24 hours that the " Inquiries are a factual record of file access and will remain on the equifax credit file two years from the reported date of the inquiry. '' I would like to understand how they would be able to investigate and come to this conclusion in less than 24 hours. 15 U.S. Code 1681i ( A ) states : " Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). '' I would not call this a reasonable and fair investigation. Failure to do this means that Equifax has broken the law.
Consumer complaint received 2019-03-28
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. (PA)

The complaint I previously filed and which was recently deemed " closed '' [ reference XXXX ] was evidently addressed to the wrong loan processor. The complaint was sent to XXXX XXXX XXXX. Based on the information provided in the responses from XXXX XXXX XXXX XXXX XXXX XXXX   and from XXXX XXXX XXXX, the complaint should have sent to XXXX XXXX XXXX . 
Here is info copied from the responses sent : " If you have any questions for ... XXXX XXXX ... about your Home Equity Line of Credit ... please contact them [ the prior servicer ] using the information below : XXXX XXXX  Customer Service Department ( XXXX ) XXXX XXXX Consumer Services XXXX, PA XXXX
Consumer complaint received 2018-05-23
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: JPMORGAN CHASE & CO. (MA)

On XX/XX/2017 while I was working at my home office I received a text message from Chase asking me if I had used my credit card ending in XXXX  for a {$2900.00} purchase at XXXX XXXX. I replied No.

Chase then told me my account was disabled. I called them. They asked me if I had my card and I believe I told them that I did.

However, this is an XXXX card that I have almost exclusively used for online purchases. I rarely carried it in my wallet and also rarely used it after the new XXXX card came out with 5 % off everything. My history proves this.

After the call I looked for the card but could not find it. I did not worry because Chase told me it was disabled.

A little while later I got a bill including a {$2000.00} plus charge at XXXX XXXX XXXX. I was stunned as I thought the card had been frozen. I did not make any purchase in XX/XX/2017 at XXXX. I have not been in one of their stores in years.

Despite my quick replies and calls to Chase I am being stuck with a charge that I did not authorize.

Please review my credit history and the history of this card. I have excellent credit and you will see the long term use pattern of the card is verified in this letter.

I did not make the purchase at XXXX XXXX XXXX and I do not believe I should have to pay for a purchase I did not make.

Does anyone have access to video camera footage at XXXX? It will prove me right.

I have filed a complaint with my state Attorney General 's office. They have told me to file a police report and to file a complaint with CFPB, too.
Consumer complaint received 2018-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC. (CO)

We received a bill for over {$1700.00} from BC Services on  a medical claim from XXXX XXXX XXXX of the XXXX. My daughter had XXXX there in 2016 and we did not know that we still owed money. I called the orthopedics and I paid them directly in XX/XX/XXXX or XX/XX/XXXX. The collection company has continued to call and send letters attempting to collect this amount. This is deceptive. I believe they are trying to collect money that's already been paid.
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc. (MI)

On XX/XX/2019 I called to settle a debt with the company. I verified my information and corrected my address since they had my old address. I then settled my account. After I finished I asked about settling my significant other 's account. I gave his name and said the debt would have been under the same address. I was told they could not discuss his debt nor take a payment from me for his debt. Four weeks later, I have a letter from the company in regards to his debt. If I'm not mistaken it was stated that the information obtained from me was to be used solely for the collection of my debt. Instead, it was used to up date his account to collect his debt. A debt that they refused to take payment on.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

There is an auto loan account on my credit report that I did not apply for. I have reached out to the credit bureaus as well as the finance company several times to send me proof of signature and contract information, even as recently as today XX/XX/18 and have not received any resolution. The account was also closed in XX/XX/2018 and every month the account balance increases and it should not. I also tried reaching out to the dealership in which the car was purchased and it is now closed down. The balance is not mine, it is my daughters, and it is also inaccurate, and the finance company is not being helpful in trying to correct this problem.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

When i opened this account ( during XX/XX/XXXX ) - I was told to keep the balance as $ XXXX which i am maintaining. On top of that Chase has charged me {$25.00} as account maintenance fees ( on XX/XX/XXXX ) for not maintaining the minimum balance which anyway I was maintaining it. This is scam and fraud. When the interest rates are so high - Chase pay pathetic interest rates and then torturing customers like this.
Consumer complaint received 2018-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

There are time limits governing when a creditor can sue you for a debt. These laws are called statute of limitations. In Maryland, the statute of limitations requires that a law suit be filed within 3 years for written contracts to include credit cards. 

XXXX made three erroneous updates on Equifax report with 2 accounts ending in XXXX and 1 account ending in XXXX. Then on XX/XX/2018 XXXX went on XXXX looking for another dispute from me, changing an account to read XXXX using company bureau ID XXXX.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have tried to have things removed from credit bureaus all 3. XXXX has me locked out now online, I try calling, security info doesn't match and can not get a person on the phone. Few minor debts I will list that I'd like removed from all bureaus, and have contact debtor and no help. XXXX {$120.00} I never lived in XXXX around the time this bank account was opened I had lost my wallet with i.d and social security card in it. I contacted this bank, they said it has been charged off, but I'd like it removed, as it was not mine, It is affecting me being able to get any type of credit card or loan, so I offered to even just pay it and they refused, there fore there are denying me to pay it off, and to remove as charge off as fraudulent account. Next XXXX XXXX XXXX  also known as consumer finance I paid that off 3 weeks ago, I did not realize I had that delinquent account, forgot about but it's paid so I need that removed. XXXX says I had credit line with them, I've never been approved for such, and it's listed on one of 3 bureaus as past due, but XXXX balance so I'd like that remove, they are also listed under inquiry. Like that removed since this again was probably somebody using my name. Then multiple address listed on my credit. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX FL XXXX, that is address on my Florida i.d so all other address pls have removed from all three credit bureaus. Then employer is XXXX. All other jobs listed are over ten years ago, so I'd like all employers besides XXXX removed. XXXXXXXX XXXX XXXX has multiple past due account small bills, like {$7.00}, {$31.00}, $ XXXXi never lived in XXXX XXXX where they r saying that bill occured, contacted them no help. Informed them that if this was my account I have had full coverage medicare since XXXXso I sent the bill to my insurance, they said this is not my bill. Please remove all these things. I can't get threw to XXXX, Equifax I filed disputes online, XXXX saying XXXX  is mine but it's not. And I'm just so upset that from little things more credit is so low and I spent hours trying to correct with 3 main bureaus and only few things updated, but main thing is XXXX and the XXXX XXXX XXXX XXXX which I paid off you can verify calling XXXX and they direct you to consumer finance which was collection agencys d confirm please that I paid, 3 bureaus telling me upload it online yet 2 of them have my online acct frozen for answer security question wrong, and I tried calling to unfreeze and can't get a person in the phone. I'm literally losing my mind about these people not helping me, acting u professional, and talking to me like XXXX over some small debts like I'm a XXXX, it's not right
Consumer complaint received 2022-03-07
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. (NC)

On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.