davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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: TOYOTA MOTOR CREDIT CORPORATION (IL)

There are inquires on my report that I do not recognize. 
I was alerted today four times back to back that someone had ran my credit, which lead me tp review my entire report. all of my car loans are through my credit union! 

XXXX /XXXX  ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) ITS ON MY CREDIT TWICE AT A DIFFERENT DATE. I ONLY RAN MY CREDIT ONCE AND I WAS APPROVE ALREADY. 

also XXXX ( THAT IS IN COLLECTION ) STATED THAT THEY WOULD REMOVE THIS ONCE I PAID IT IN FULL AND NEVER DID. 

PLEASE HELP, IM TIRED OF THIS.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I tried to apply to Capital One for a first-time credit card and got denied multiple times for months and I can not figure out why. My boyfriend got approved and we have the same background credit-wise. Nothing on either of our credit backgrounds. So I got the Capital One credit wise app to see if it could tell me what was going on and it did not. When i attempt to check my credit score it says Looks like you are still establishing credit. On my XXXX report it says i have nothing negative, nothing new, nothing disputed, and no notes. When I apply got credit cards ( Ive tried multiple companies ) they do those identity verification questionnaires where they list some addresses and ask you to pick which one is a past residency of yours, or where you have an auto loan out, or when you got a mortgage out. Each question has four answers. Every single one of them, until I most recently got an apartment, had questions that I couldnt answer so I would get denied. I finally got the explanation letters in the mail explaining why I got denied and they all said fraud detected. I dont know what to do anymore. I dont understand how my report says nothing but all these things that I dont have answers to pop up on those questionnaires. The only question I ever got that I could answer was when I applied for this deposit assistance program, Jetty, and it was set up the same way but one of the questions ( I think it was three questions total ). The question was a past residency and I got the answer right because it was actually a question I knew! None of the others were information I had! Like auto loans from XXXX or a mortgage from XXXX?? It might be the other way around but in XXXX I was 14 and in XXXX I was XXXX!! How does that possibly make sense? Im just struggling to qualify for a credit card anywhere and I dont understand why. I have multiple friends in the exact same situations and everyone has gotten approved : ( I dont know if it could be the case but the only answer I have is fraud? Maybe identity theft? I dont know what it could be and I really dont know what to do at this point. I need help NOTE : Once I am contacted I will submit my ID and social security license to whomever I speak with to prove my identity. If needed I am pretty sure I can also provide my birth certificate ( my mother hasnt given mine to me yet, I can get a copy if needed though ).
Consumer complaint received 2021-10-30
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. (FL)

I am a victim of identity theft ; I have mailed police report, identity theft report and proof of ID to Experian to dispute unauthorized inquiries reporting to my credit file. I have an extended fraud alert that prevents accounts being opened in my name but it does not protect against the inquiries from the attempts
Consumer complaint received 2022-12-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selip & Stylianou, LLP (NY)

I made monthly payments on the outstanding debt as ordered by Selip & Styliano LLP. I do not think those lawyers actually exist. Can CFPB check to see if these lawyers actually exist because they refuse to come to the phone. A lawyer who is collecting debt should not refuse to come to the phone. I have only been able to speak with " non-attorney '' representative, like XXXX XXXX, who refuses to escalate my problem. I have made all of these payments for the last 3 years but they are not showing I am paid off and refuse to verify what they have received from me. I want total discharge of this debt that I have paid over the last 3 years. This law firm of Selip & Stylianou LLP should be disbarred. They collect money for collecting debt but don't actually exist and will not address consumer concerns. I asked for their help but they refuse!!!!!! 

SELIP & STYLIANOU , LLP - THEY SHOULD BE DISBARRED!!!!! 
Attorneys at Law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (IL)

XXXX XXXX company sold my mortgage loan to Selene Finance. My loan was modified under XXXX XXXX company. Selene has done the following since they purchased the loan ; 1, ) Did not honor the modification2. ) Added {$140000.00} to the balance of the loan3. ) Increased the interest rate from 3.00000 % to 7.625 % 4. ) Did not pay the real estate taxes per mortgage ( from escrow )
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2021-10-29
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: U.S. Auto Credit Corporation (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX USAUTOCREDT XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Carter-Young, Inc. (SC)

i have multiple fraud accounts on here I would like to see proof of every single piece of information that can prove that they have the correct person. I will file a police report if no actions have been taken. Every single creditor and business bureau that has collections out on me. I want to see the proof And there are lots off closed accounts that have been paid and never got taken off of here as well
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX is currently reporting to two credit bureaus, Experian and XXXX. I've made all of my payments on time, as well as kept my balance low on this card since I opened XXXX XXXX. I advised this company that I do not own a printer and they insist that I send them a blank copy of my report showing that they are not reporting to XXXX. I also am not welcomed to going to a public library at this time as I have kept my word by paying my fees for credit card and any balances on time. My credit score for transunion is XXXX and for XXXX XXXX at this time which is tremendously different at eyesight. This is not fair to me as a consumer and false advertisement. XXXX claims to report to all three bureaus regardless of what the miscommunication is between the companies, I don't feel that this is fair reporting.
Consumer complaint received 2022-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MS)

I was mistakenly lead to believe that my XXXX loans would qualify for forgiveness under XXXX However, my loans were a spousal consolidation from back in XXXX  and apparently does not qualify. Basically, I was told that my 21 years of XXXX XXXX  does not count because of my great sin of being married while repaying a student loan. This is a great injustice. It is discrimination against being married. These loans were consolidated in good faith with the Department of Education. My XXXX XXXX should count towards the XXXX program. They no longer allow spousal consolidation, but they should fix this ASAP and honor the few of us that are being screwed over by this. What a disservice to public service!
Consumer complaint received 2019-10-15
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)

There are several inquiries reporting on my credit report that was not authorized by me. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses that is reporting : XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (PA)

While showing that my mortgage is an individual account, the remarks " In chapter XXXX bankruptcy ''. 

I am not, nor have I ever been, in bankruptcy. I contacted opened a dispute with XXXX. The dispute shows that the lender, Pacific Union Financial, confirmed that the information is correct. Please note, it is not. That is supported by NO other creditor marking any late payment or bankruptcy. There WAS NONE.
Consumer complaint received 2024-03-20
Product: Credit 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)

I made a car reservation through Chase Rewards Travel on XXXX.I was charged {$1200.00} in advance. I picked up the car at XXXX at the airport in XXXX, FL on XX/XX/2024. I was told that I would have to pay an additional fee of {$13.00} per day for my wife to drive the car. I was told that this fee was because I had rented through a third party ( Chase ). 

On XXXX I called the company to tell them that I wanted to return the car because of the extra fee. They told me to just bring the car in. I returned the car on XXXX. I have not received any refund for the 27 days that I did not have the car. 

They took the car back and kept all the money, including an extra {$69.00} for my wife and the milage ( XXXX miles ). 

At no time did either company tell me that this reservation was non-refundable.
Consumer complaint received 2021-07-23
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. (SC)

On XX/XX/2021 I filed an identity theft report with the FTC because I am a victim of identity theft. my information is in the wrong hands and my information was compromised by the XXXX data breach.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX My Address : Address, City, State Zip XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address XXXX XXXX XXXX XXXX XXXX, NY XXXX any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN XXXX Remove any other numbers you may have on file!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX DATE OF BIRTH XXXX PHONE NUMBERS XXXX ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX Spouse or co-applicant XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are reported inaccurately Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data!
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Investigation Request Letter To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and i noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Section 1681 ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not 100 percent accurate and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where i can get the updated report after you investigate this. Could you please send me a copy of my credit report after this is done? Also please let me know who had access to my file as well. I want the investigation outcome to be sent to my address which is at the beginning of this letter. 

Thank you, XXXX XXXX XXXX Account XXXX :
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc. (CA)

I signed up for credit company called Tomo boost and credit score it asked for XXXX dollar trial to pulled credit I cancelled with both of them I got charged in XXXX XXXX XXXX I cotinually requested to cancel my service Then XX/XX/year> I continue to get emails to me if I'm sure I want to cancel I responded XXXX YES CANCEL MY SERVICE THEN OUT MY CHECKING ACCOUNT THEY TAKE XXXX OUT MY ACCOUNT I CLOSED DEBIT CARD SO THEY COULD NOT GET ANYMORE MONEY FILED FRAUD wit my bank and better business bureauTHEY REFUSE TO REFUND ME MY MONEY I DONT HAVE THE CARD HAVE NEVER USE THEIR CARD AND THEY ARE CLOSED ON MY CREDIT REPORT SO WHat service are they provide and XXXX XXXX XXXX them and stated they can keep debiting because I had authorization and tomoboost stated that I had XXXX days to cancel I GAVE THEM PLENTY OF TIME I EMAILED XX/XX/XXXX when they stole XXXXpayment out my bank account PLENTY OF TIME AND YET THEY TOOK MY MONEY IN XXXX for a yearly service fTHEY WOULD HAVE KEPT TAKING MONEY IF THEY HAD NEW DEBIT CARD NUMBER according to XXXX XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Please be advised that CREDIT BUREAU is reporting the wrong address information on my credit report. Please delete this address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX
Consumer complaint received 2022-05-19
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. (KS)

These inaccurate addresses are reporting on my personal credit file with Equifax, XXXX and XXXX credit reporting agency. There are no name associated with this file, I don't think these inaccurate addresses are 100 % accurate because I don't even connected in these stated addresses. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my credit fileXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-19
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: Experian Information Solutions Inc. (PA)

On XX/XX/2018 I sent a letter to verify the validity of a collection account from an apartment complex I previously resided in on my XXXX/Experian credit report. I called the original creditor to validate the claim and I sent a letter to XXXX/Experian. The original creditor said my account information was archived and they did not have it at this moment but would contact me once those records were pulled. They never contacted me. I received a letter back from XXXX/Experian saying they have verified the validity of the account but did not include such information with the response. Also, they have not sent me a copy of the information from the creditor to verify for myself. I have sent follow up letters subsequent to the XX/XX/XXXX request for this information and as of today XX/XX/2018 I have still not received any information from the creditor or XXXX/Experian verifying that I owe this debt I am vehemently disputing. This is causing me terrible distress as I am willing to pay any debt that I owe but I am positive that I do NOT owe this debt.
Consumer complaint received 2015-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC. (MI)

In XXXX, my vehicle, which is financed through Tidewater Motor Credit, was totaled in an accident where I was found to be 0 % at fault. The vehicle was totlated and my insurance provided a check in the amount of {$8000.00}, leaving me with abalance of almost {$4000.00}. I had multiple correspondence with various employees ofTidewater and explained that I would be pursuing legal action against the other insurancecompany ( asking for XXXX maximum for no fault ). I was told I could only do alump sum payment and could not make payments. I had regular correspondence withthem through XXXX XXXX. 
On multiple occasions in XX/XX/XXXX, I was contacted by employees ofTidewater via telephone at work, despite my telling them ( on multiple occasions ), that myemployer did not approve of such calls.
Consumer complaint received 2022-05-19
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. (KS)

These inaccurate addresses are reporting on my personal credit file with XXXX, XXXX and TransUnion credit reporting agency. There are no name associated with this file, I don't think these inaccurate addresses are 100 % accurate because I don't even connected in these stated addresses. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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. (KS)

I HAVE DISPUTED WITH XXXX AND EQUIFAX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES. XXXX AND EQUIFAX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.