davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I have been leasing cars from Toyota Financial for the last ten years. I have never had any plate payments. Last XX/XX/2018, Toyota Financial inaccurately placed a 30 days late payment on my account when I had autopay, as well as I never received a notification, or a call that the payment was late! 
When I found out around 25 days later as I was checking online to get a payoff information as my lease was coming to an end, I called Toyota financial to ask why there is a late payment and why there is a late fee on my account, when I have auto pay and I never received notification from them regarding late payment as they are obligated to do so per my online registration agreement, he replied from me not to worry as the payment is not more then 30 days late, and credited back my account the late fee. I advised him that I will make a double payment to take care of the late payment, witch I paid online right away. 
I mailed a letter to Toyota Financial explaining what happened and that I don't have time to always check my online account as I am an XXXX XXXX, they refused to remove it witch is effecting my credit score by more then 50 points. Had they called my Phone number on file, or email me to inform me of a late payment as they are obligated to do so, this would have never happened. 

They also have inaccurate information on my online account. When I sign in, they have a different first name witch doesn't belong to me. I advised them on many occasions and still they never corrected the issue, even as of this date, when I sign in to my online account, it shows a different name. This could be related to why the autopay was stopped. 
Thank you for your time and assistance!
Consumer complaint received 2019-03-20
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: BARCLAYS BANK DELAWARE (AZ)

I mailed certified letters asking for the method of verification used to report the information on my reports tha I believe is being reported correctly. I stated that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute and if they could not provide it they needed to remove the items. This was now over a month ago. 


I want them to be investigated and I want to pursue action against them at this point. I have tried many times to get this wrong information corrected with no success and it affects my life and is costing me money!
Consumer complaint received 2018-10-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MS)

I foreclosed on my FHA home loan in 2012. I was not approved for the harp refinance program. Although, citimortgage received government funding to assist struggling home owners. I should have qualified but they made it difficult for struggling homeowner to get assistance. 

I reached out several time and filed a complaint. Then, I received a letter requesting document to be signed and returned within two weeks. The letter had a contact number listed to call for questions and information regarding the documents. I have called the number several times and have not been able to get assistance with these document they are requesting. I have spoke with several Citimortgage employees who are unable to assist me with these document and the department they came from will not answer the phone or return my calls. 

This is an example of how citimortgage makes it difficult to refinance and get assistance with document they are requesting.
Consumer complaint received 2021-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (UT)

I received a call for a " XXXX XXXX. '' This number left a message on my phone for the incorrect person. I called the company back and it was for BBT debt collector. I do not have a BBT account.
Consumer complaint received 2022-11-19
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. (NC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : 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 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 XX/XX/XXXX.
Consumer complaint received 2022-02-02
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. (MI)

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing have been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-10-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Go Capital Holdings, LLC (AL)

Go Financial financed a XXXX XXXX for me in XXXX. In XXXX I fell behind on payments and when I tried to call and pay they told me the vehicle had already been charged off. I did not pay on the car for two years and then one day they came and got it and sold the vehicle. Go Financial then went on my credit report and changed the status from charged off to " In repossession ''. I want this removed off of my credit report due to erronous reporting and them already collecting money for the car in their charge off insurance and selling the car again.
Consumer complaint received 2019-03-20
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)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-20
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. (TX)

I am a victim of a data breach in 2013, as XXXX XXXX and all of itts consumer personal financial information was exposed. Because of this recent discovery, I am very concerned about the privacy of my information, which has been compromised and it is all over in the dark web, loan accounts have been opened in my name. I was told to file a complaint now as I sent my dispute in with the major credit agencies with no action taken. A detailed letter of this dispute, my ID and my FTC ID theft report are attached. I'm requesting this information to be block from my credit report in accordance with the FCRA .Please remove all non-account holding inquiries in the last XXXX years.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Date opened on XXXX XXXX XXXX put a balance of {$68.00} on my credit report as a derogatory item and its incorrect they continue to replace them and readd them to my credit in the last month there were duplicated amounts for the same accounts with the same account numbers Ive had to complain about before.. I had insurance when I went to the dr for these medical bills not only did my insurance cover these bills I never received a direct bill of XXXX dollars to take care of the amount I knew nothing about it untill I seen it on credit report
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (MD)

I received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/19. They said that Bureaus Investment Group Portfolio NO 15 LLC has purchased an account ending in XXXX from XXXX XXXX XXXX   and they will be helping to collect the debt. I had within 30 days to dispute it. I never received a letter from XXXX  XXXX or Bureaus Investment Group Portfolio NO 15 LLC. I responded to XXXX XXXX XXXX XXXX XXXX with a certified dispute letter dated XX/XX/19. The receipt number is XXXX XXXX XXXX XXXX XXXX. They received it on XX/XX/19 at XXXX. I waited a month for a respond. They ignored my dispute letter and sent another letter dated on XX/XX/19 offering to settle the debt for 79 % of the balance.
Consumer complaint received 2019-03-20
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. (CA)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Dear TransUnion, Please remove the following name from my report as it does not belong to me and is being reported in error : Wrong Name : XXXX XXXX. Attached you will find a copy of my state issued drivers license. I will wait for an updated copy of my credit FILE to reflect this change. Thank you in advance. Sincerely, XXXX XXXX.
Consumer complaint received 2018-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Two previous mortgage payments ( XX/XX/XXXX and XX/XX/XXXX ) are being held in " unapplied amount '', and my statement is reflecting these as " past due ''. However, the unapplied funds exactly equals the past due amounts. I have contacted the servicing company (  LoanCare ) on two separate occasions ( XX/XX/XXXX and XX/XX/XXXX ). Each time I was assured the payments would be applied, the second time the agent even spoke with a supervisor. Each payment was for the amount due ( no late charges are due or outstanding ), and no one could explain why my payments were not being applied.
Consumer complaint received 2018-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (IN)

This loan was obtained in 2017 and due to being laid off in XX/XX/2017 the loan was eventually defaulted. My bank account at the time was extremely negative and the bank closed the account. At some point, I did try the payment arrangement thing but couldn't quite keep up, as I was working off {$130.00} a week in unemployment from XX/XX/2017 - XX/XX/2017. Once I returned to work in XXXX, I tried again with payment arrangements but my bills were so far behind, again I couldn't not keep the arrangement. Since then, the account has been sold to XXXX XXXX, they have been reaching out to me by email but I'm Leary as I have no idea if they are legit to collect any monies from me. XXXX is saying I still owe {$630.00} and the initial amount borrowed was {$600.00}. I'm confused how the balance is still high and they received many payments from my account before the bank closed me out. I would like this balance wiped clean as they have been paid back and some interest payments. I am willing to NEVER borrow from these people again.
Consumer complaint received 2022-07-05
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. (LA)

In accordance with the Fair Credit Reporting Act, these accounts have violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 Consent.
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (VA)

The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Consumer complaint received 2019-03-20
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: AMERICAN EXPRESS COMPANY (OH)

My father made me an authorized user on his XXXX account, I moved out of state and he provided me with an XXXX card with a {$250.00} credit limit for emergencies. Ever since he provided me with that card my credit score has plummeted almost XXXX points. Every place I look, my father 's XXXX account, and the balance is on my credit score. I am only an authorized user, and since I have such low income, being a XXXX year old, his open XXXX account is wrecking my credit. It is stating that my card has no limit, and that the balance of the XXXX card is {$7900.00} currently. I only have XXXX in real credit card debt, nearly XXXX of that being a financing account. The XXXX account is nearly 171 % what my real credit card debt is. I can not find anywhere that will change that information. I never really bothered to look at my credit, but I finally did, and saw that it was very poor, when not even a year ago it was XXXX. Now it is XXXX and has gotten as low as XXXX. I am working on getting a job, and they run a credit report, and them seeing my current credit score could keep me from getting hired. I spent 5 weeks in training for this job, as well as waited for a few weeks for my license to go through. The job will be a great quality of life improvement for me, about a {$20.00} raise. I already passed the class I spent 5 weeks on. This credit score could destroy my potential of getting this amazing job, and could prevent me from being able to improve my quality of life and pay off my tuition with school as well as pay for rent/utilities/food as I am currently only working part time at about 8 hours a week, because I was let go from my full time job that was my main source of income 2 months ago. I do not have the ability to talk to the company because it is my father 's account and am only an authorized user. My father has not missed any payments on his XXXX account, but he uses the card so frequently every month that there is a constant balance that is effecting my credit score severely.
Consumer complaint received 2018-10-24
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: FIRST NATIONAL BANK OF OMAHA (FL)

On XX/XX/XXXX I use a credit for a payment in a XXXX XXXX XXXX XXXX miles. Advertisement as a good condition. guarantee for two years by XXXX XXXX XXXX. 
OnXX/XX/XXXX I returned a car to the dealer that was not even close to the one he guarantee. It was XX/XX/XXXXInstead to XX/XX/XXXX. An speedometer started on XXXX rpm and miles seem to be manipulated. A car had also an extensive water damage all over that it was trying to cover with paint and cleaning. I have to be score by police since a person was threatening at me. Police officer knows dealer in the area scam people before. Also he suggested me to dispute a payment since the dealer refuses a return my money. So I place a dispute with a credit card and I email it all proofs ( pictures and documents ). 

After a few months a credit card give the money to the thief and he also had a car. A car that He was trying to sell few days after I returned. On the same website OFFER UP As a Fair Credit Billing Act, I have the right to dispute for a quality of goods and Services, this person advertised and promote a service that I never had. On the contrary a merchandise was total loss and altered miles. Even if he said a sale is AS IS. He wrote in the contract a guarantee. He also advertised two years whatever it  happens. A credit card suppose work for me and my money. So what Happened now??? I have to pay for a merchandise I don't have and a service that I did not received.
Consumer complaint received 2018-03-08
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: EQUIFAX, INC. (NY)

My rights as a consumer are being violated and expect this complaint to be taken seriously, as XXXX XXXX  has a history of abusing the very consumer ACTS meant to protect consumers from such overreaching violations. 

This complaint is ongoing as previous responses have been deemed inadequate and failed to provide proof of credit inquire consent or produce any form of loan request documentation that would have authorized the company in question ( XXXX XXXX ) legal right to pull my credit as outlined within the Fair Credit Reporting Act. 

It is my expectation as a consumer to be protected from unwanted an unauthorized inquires. None of the so called justifiable reasons that have been provided applies to my informal communication with XXXX nor have they provided any proof to the contrary.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavourable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to CAINE & WEINER Balance {$890.00} and CAINE & WEINER COMPA Balance {$160.00} but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (IN)

I am continuing to receive information from Citi despite cancelling the account several months ago. The account was closed in good standing and balance is paid in full. My complaint is the following Citi is violate federal privacy laws by maintaining my personal information in their company database. 
Citi and their affiliates continue to harass me by sending spam postal mail.
Consumer complaint received 2018-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (PA)

Debt collector Convergent sends bills for payment. {$2800.00} or will accept half. Calls on my phone about everyday to try and collect. Has been told by myself numerous times that this was discharged through bankruptcy but continues to call and send an invoice for payment.
Consumer complaint received 2020-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : XXXX  XXXX XXXX # XXXX, .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  # XXXX I have several fraudulent SS numbers showing on my credit report that do not belong to me.. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. 
Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C.  1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID