davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX billing issues : I lodged complaints before on this company & poor billing practices & double billing. Those complaints were lodged : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Now yet again having same issue I reported before & is reoccurring continuously. I will also duplicate this report to FTC as this company is very unsavory! I have made duplicate payments in error & this time I could NOT place a stop payment on check since check was already cashed. This is a loan for installation of a walk-in tub. Payments are $ XXXX month. Here is the breakdown of duplicate payments made in error as I keep getting notices : 2nd notice, or 3rd notice. Starting w/ XXXX of XXXX : Paid the {$150.00} on : XX/XX/XXXX ck # XXXX ; XX/XX/XXXX check # XXXX ; XX/XX/XXXX ck. # XXXX ; XX/XX/XXXX ck # XXXX ; XX/XX/XXXX ck # XXXX ; XX/XX/XXXX Ck # XXXX ; XX/XX/XXXX ck. # XXXX ; XX/XX/XXXX ck # XXXX. Plus, since last 2 checks were already cashed on XX/XX/XXXX I can NOT place a stop payment on these checks!!! So, as you can see, yes, my error also BUT the company is compounding the error because they keep sending out invoices for payment. I am a XXXX  on fixed income & have a visual impairment so sometimes I can NOT track past payments. So, I admit my error, so too the company should admit their error & not have cashed the last 2 checks. Plus no one had decency to call me to say that a duplicate payment was made!! Plus : I do not get statement stating what my loan balance is with all the duplicate payments made!
Consumer complaint received 2023-04-01
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-08-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

Amount of {$300.00} has been reported as a new debt collection 5 times total. Three times in XXXX and two times in XXXX for the same amount. Each time they report, they report as a NEW account therefore has dropped my credit score 40 points. I have reported this through XXXX  and they referred me to you to make a formal complaint as they are reaching out to company as well. I would like to know how to get this resolved and the correction made on my credit report
Consumer complaint received 2021-05-04
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: CITIBANK, N.A. (FL)

A credit card company ( CBNA ) incorrectly made a hard inquiry on my credit report. I had gone online to request a credit limit increase on their website.

The site notes : " We will not obtain a credit bureau report to evaluate your request, and you will receive a decision instantly. '' *Neither of these statements were accurate. They did make a hard inquiry to the credit bureau & did not give me an instant decision.

I have attempted to resolve this unsuccessfully with CBNA for over a month. After numerous phone conversations and online chats, I have received a letter from them stating : " We are unable to remove the inquiry from your credit bureau report. '' The hard inquiry was made on XX/XX/2021.
Consumer complaint received 2018-02-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

We purchased our home in XXXX for {$100000.00}. In these 18 years we have absolutely nothing to show for it because we now owe {$160000.00} because of mortgage fees, etc. Our loan has a huge " Balloon '' payment due at maturity. In XXXX we were granted a modification with Ocwen. At that time, we were told that Ocwen would " forgive '' roughly {$40000.00} of our " underwater '' mortgage if we kept up with our payments for a specified time. This " forgiveness '' was part of a Settlement that Ocwen had to comply with. During this modification, we lapsed in payment and were told that the " forgiveness '' was null and void. A couple of months later, their lawyer contacted us & scheduled " meetings '' with the court over the phone with me. During those meetings, Ocwen decided to offer a new payment ( {$830.00} ) to us which was {$250.00} HIGHER than our previous payment. I brought this to their attention on the phone meeting with Ocwen, their lawyer and a court magistrate. I was told by the Ocwen representative that the higher payment was because they were purposely punishing me because of the default on our loan modification. I was dumbfounded. Their lawyer and the magistrate heard this as well and I'm sure this conversation was recorded. We tried making this higher payment but ran into problems when both of our vehicles needed repair. We ended up having to replace one of them and, since we have bad credit, are paying a very high car payment because no other options were available. We both work in different cities and having 2 cars is a must so we can work and provide for ourselves as well as our XXXX children. We're tired of being bullied by Ocwen. We now owe {$160000.00} on our {$100000.00} XXXX XXXX XXXX on XXXX of an acre which is in so much need of repair that we can't afford that either. We want to stay in our home. We want to be able to COMFORTABLY afford the payment. We don't feel we should be penalized by Ocwen any longer. We want the settlement that is owed to us. We want a lower payment. We want to be heard.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (TX)

On XX/XX/XXXX I was financed by American First Finance, XXXX an amount of {$4000.00} in which {$2900.00} used to purchase items from XXXX XXXX. A balance of {$1000.00} was left with American First Finance. I was given 101 days to settle. I paid 90 % of the amount thus {$4000.00} out of Payoff Amount which is {$4700.00} with a balance of {$700.00}. 
Unfortunately, I lost my job at the XXXX XXXX XXXX due to the pandemic, so I asked for a one-month extension. I paid {$530.00} within one month period hoping to find a job. Regrettably, I missed two days to settle {$170.00} but I paid it the same day thinking it will be acceptable because of my situation at that moment. 
On XX/XX/XXXX I received an email from American First Finance demanding that I should respond to their email. So I called them and I was told to settle an amount of {$2000.00} ( which our conversations were recorded on XX/XX/XXXX ) by XX/XX/XXXX because I have missed my 101 days Payoff Settlement. 
On XX/XX/XXXX they posted an amount of {$2000.00} which appeared in my Credit Report. 
I made my first payment on XX/XX/XXXX an amount of {$500.00} then paid the rest every two weeks. I made my last payment on XX/XX/XXXX an amount of {$650.00} before XX/XX/XXXX deadline. After making the first payment, I realized after two months, the payment hasn't been posted so I called them they advised me to download XXXX  and XXXX to check my Credit Score and I did what I was told but after doing that nothing was changed. I have called them several times on the same issue but they are not willing to solve it. What baffles me most is that they confirmed to me on my calls they have received my emails ( more than 7 emails ) which I attached the receipts issued to my payments amounting to {$2000.00}. The payments are made online. 
However, now they have increased my balance from {$2000.00} to {$4800.00} which is incorrect. 
Again, American First Finance continues to demand payments from me In my opinion, I have gotten to know that they want to defraud me. 
I have settled the full amount and don't owe them. I expect them to do the right thing to bring my balance to XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I have consistently disputed the inaccuracies in the following information with Equifax, XXXX, and XXXX. Unfortunately, the issue persists and remains unresolved to this day. 

Equifax 1. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX  Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove.
Consumer complaint received 2021-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-11-06
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: QUALITY ACCEPTANCE LLC (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-06
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: TOYOTA MOTOR CREDIT CORPORATION (NV)

I've been working for 3 months to correct an error on my credit report. I was buying a home and realized Toyota Motor Corporation ( Lexus ) was reporting I owed over $ XXXX on an account closed in XX/XX/XXXX. When I disputed it, Toyota Motor Corp REOPENED the account, and all the credit agencies started reporting a debt and late payments for an account closed almost 6 years, an account for which I NEVER ONCE received a request for payment. When I was counseled by Toyota Motor Corp. on my options in XX/XX/XXXX, they advised me if I gave back the car they would sell it at auction, and sell off the remaining debt to a third party to whom I would have no obligation to. This is why I made the decision to voluntarily surrender the car in the first place. 

When I tried to correct this, the response from Lexus was this : " On XX/XX/XXXX, you communicated that you were unable to afford the monthly payments and requested a voluntary surrender. During that conversation, we explained the consequences of voluntarily surrendering the vehicle. You returned the vehicle to XXXX XXXX  XXXX, and we recovered it on XX/XX/XXXX. We mailed a cure notice on XX/XX/XXXX, indicating that the account was in default for the XX/XX/XXXX payment. The vehicle was sold at private auction on XX/XX/XXXX. Unfortunately, the price we received at auction was not enough to pay your account in full and we notified you of the amount due ( {$14000.00} ) via written notice on XX/XX/XXXX. We attempted to contact you on numerous occasions to resolve the total amount due. Despite our continued efforts, the balance remained unpaid, therefore we charged off the balance in XX/XX/XXXX and reported it as such to the consumer reporting agencies ( CRAs ). It is important to understand that prior to the retail account being charged off, we continued to report the status of the account to the CRAs. As a result, your XX/XX/XXXX payment was reported 30 days past due in XX/XX/XXXX, 60 days past due in XX/XX/XXXX, 90 days past due in XX/XX/XXXX, and 120 days past due in XX/XX/XXXX. Our records do not reflect that we waived your obligations regarding the debt or re-opened the account as stated in your complaint. '' There are two things to call out here. First, they claim they send me a " written notice '' of money I owed on XXXX XX/XX/XXXX, tried to reach me several times to resolve, and then charged off the balance in XX/XX/XXXX. This only proves my assertion : They intended to just charge it off and not recover anything from me - there's no way all this can happen in the span of 2 weeks. 

Second, Lexus very clearly stated the last " delinquent payment '' was XX/XX/XXXX, the account was closed then, and they never reopened the account. Therefore, the credit reporting agencies must change their reporting to show this account was closed in XX/XX/XXXX per Lexus ' own statement.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 2020-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Last week I was alerted by XXXX XXXX  that Transunion reported a debt collection on their credit report. The company listed is a collection agency. They name is the company seeking payment is XXXX XXXX, in the amount of {$90.00}.

1 ) I never had an account with XXXX therefore the amount is fraudulent and someone there must be held accountable. Fine, imprisonment, restitution, whatever the existing law states as the punishment.

2 ) I can not dispute the fraudulent debt owed on XXXX XXXX XXXX  site because their site isn't working. ( Multiple error messages when I try to submit a dispute over multiple days. ) 3 ) I can not dispute the fraudulent debt owed on Transunion 's site because their site isn't working. ( Multiple error messages when I tried to submit disputes over an 4 hour time frame in one day. ) 4 ) I called Transunion this morning to dispute the claim and XXXX, the XXXX  rep that answered, refused to dispute the claim.

The debt is not mine, I owe XXXX  nothing and they and Transunion should be punished accordingly in sullying my name.
Consumer complaint received 2018-02-06
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. (GA)

I called and I sent experian letter in the mail telling them to remove some inquires that did not belong to me. they refused to do so and stated I will need to get a police report etc. I want the followung Inquires removed ASAP or i will have to seek legal help because they refuse to help me. 

XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-07-24
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: EQUIFAX, INC. (MS)

I have contacted Equifax on numerous occasions to verify inaccurate information on my Credit Report. I requested equifax to send me any original documentations or contracts with my signature on it, legally binding me to the frivolous charge-offs, derogatory and collection accounts that they are reporting on my account. I have disputed these account numerous times. 
I have not received any documents or contracts with my signature linking me to these frivolous accounts they are reporting. 
Their response to me was that all the items I disputed was Verified using third party Data Furnishers. 

No Documents or Contracts with my signature.
Consumer complaint received 2020-01-22
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. (NV)

Dear CFPB I am seeking help, my rights have been violated as per 809.Validation of debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 809 by XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX XX/XX/XXXX I sent the response letter on XX/XX/XXXX and have not received a response back as per 30 days. I sent a second letter of non-response XX/XX/XXXX. XXXX XXXX  XXXX failed to respond to my letter and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX XXXX XXXX has failed to report to Experian that this matter is in dispute and by law can not pursue any credit reporting agency until the matter is resolved. XXXX XXXX XXXX has not validated this debt as per required by the fair credit reporting act section 809. I have Proof and certified mail of the timeline which shows the violation. Since they are violating the law and have not proven that this debt is mine I am requesting that all information passed on to any credit reporting agency should be removed.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX