davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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: BARCLAYS BANK DELAWARE (CO)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-10-03
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 — Investigation took more than 30 days
Company: LEXISNEXIS (NC)

I wanted XXXX XXXX to validate the accuracy of what they was reporting on my credit report. Sent them 2 letters the XXXX letter was on XX/XX/XXXX they didn't respond within 30 days, 2nd letter was on XX/XX/XXXX they didn't respond within 30 days. Now they send me a letter saying for me to contact XXXX, XXXX, and XXXX myself to figure out what happened. I disputed with XXXX XXXX not the other 3 agencies, also was not notified of investigation status or results.
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine & Weiner XX/XX/2021 {$3100.00} I have called and asked this company to provide me proof that I opened this alleged account that was opened under a different company name while I was in bankruptcy and they refuse to provide me any proof.
Consumer complaint received 2021-07-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CURO Intermediate Holdings (CA)

I attached the email that I received this morning. 

Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 

We have sent you this warning notification about legal proceedings on XX/XX/2020 but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 

This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX
Consumer complaint received 2018-03-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (AZ)

One XX/XX/XXXX I completed a refi process with DITECH. Ditech created the deed of trust document with a recording # of XXXX. Now come XX/XX/XXXX I qualified for a revitialization program with the City of XXXX and upon closing, they needed the deed of trust, come to find out the deed of trust was never filed correctly from Ditech. I have been working with Ditech since last XX/XX/XXXX to get this issue fixed. As of the date of the complaint it has NOT been fixed yet and I now stand to loose the XXXX loan I qualified for to fix my house since the deed of trust is not recorded, nor is there a proper lien for Ditech. The City of XXXX can not move forward with all the work until this is fixed and I had contractors ready to work now I can't because of Ditech not fixing this deed of trust issue ... .please help!
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Ive submitted a complaint to the both Becu and XXXX and XXXX XXXX already. I have gotten no answer as to where my money has gone, I sent my fianc money 2  weeks ago and after he received it to pay our rent, the bank said it was fraudulent. I cleared this fraudulent problem on my end of my bank side is BECU. His bank XXXX XXXX says they sent the money back and refunded it to XXXX. BECU says they cant do anything else except wait for XXXX. Its been a week now and no one has gotten anything done to give us our money back. XXXX was recommended for me to use by a BECU agent to make a transfer. Now my money is lost, my husband has a negative account because he needed the money I sent him to pay rent and when he tried to pay it with the XXXX dollars I sent they took it out his account so the check bounced. someone in the bank canceled my transaction without giving the money to me or him. I have bills to pay tomorrow, and no food in my fridge. His account is overdrawn XXXX because the apartment took the rent out from his bank and not with his money. Now we have overdraft fees and late rental fees thanks to this hold up between banks I have no food or money to pay my bills this week either.
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2020-12-10
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. (FL)

I HAVE HAD A CHANCE TO TAKE A LOOK OVER MY CREDIT REPORT AND CAME ACROSS AN ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNT IS AN OPEN ACCOUNT THAT IS ONLY REPORTING ON EQUIFAX. THE NAME OF THE ACCOUNT IS ( XXXX XXXX XXXX XXXX. THE ACCOUNT IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT I HAVE MADE. THIS IS ALSO CAUSING MY SCORED TO DROP EVERYTIME IT REPORTS LATE. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER SO THAT IT CAN BE RESOLVED IN A TIMELY MANNER.
Consumer complaint received 2021-05-31
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: Experian Information Solutions Inc. (NY)

To who it may concern I would like to report several violations against me. There are some errors and its been over 60 days and I haven't heard anything back. I also sent another letter and have not heard anything. I sent all the letters certified mail and have the delivery receipts to prove that they received my letters this is a violation under 15 U.S.C. 1692g. I demand the violations be addressed and deleted from my credit reports.
Consumer complaint received 2021-05-31
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (CA)

i sent them a letter requesting validation that they received certified XX/XX/XXXX of 2018. i told them by law they had 30 days to respond in receipt of this letter they signed for certified with validation with a contract bearing my signature. That would prove that i had some kind of contract with them. There first violation was that they sent me a copy of an alleged contracted with a huge " copy '' sign on it. Secondly, i pulled my credit report on the 31th day to see that they didnt comply and that they only updated 2 out of 3 of the bureaus as " disputed ''. This is a clear failure to comply and i have all the evidence.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I am not liable for this debt with XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$190.00}
Consumer complaint received 2023-02-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

I have requested the *original* amortization schedules that were supposed to be provided to me at time of disbursement, either initial or final. Navient is refusing to provide these documents, which I suspect is on purpose due to the fact it will show their fraud.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Experian has not updated my credit report they are still reflecting a report from XX/XX/2020. In addition, ( original creditor ) the XXXX XXXX account that was fraudulently placed on my credit ; which Experian agreed to delete ( after investigation ) is still reflecting. 
Moreover an old fraudulent disputed that was deleted have reoccurred, from XXXX. Lastly, they continue to refuse removal of XXXX XXXX  Account which have been settled through a class action lawsuit. And is now currently back in litigation.
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NY)

Creditor Information Opened XX/XX/XXXX ( 8 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Balance : $ {$81.00} Original Creditor Name:06 XXXX XXXX I have paid this balance of twice, once XXXX  and once to CCS on XXXX XXXX. CCS stated that they would mail me a receipt within 8 business days, I never got this letter confirming proof of payment. I called them back today XX/XX/XXXX to have them solve this issue and they have no record of payment. I told them " I want this off my credit, it's only {$81.00}, I will even pay again today if you can send me proof of payment via email today so that I can have a receipt which is fair ''. CCS denied to send me proof of payment if I made one today, and denied to accept my payment. How can I resolve this matter if company does NOT provide receipt for future records. Please help, this is only {$81.00} we are talking about, I will pay for a third time all I am asking for is a simple confirmation # or anything that can protect me as a consumer. I can not wait 8 days to get a receipt if I am paying today. hope this makes sense. Thank you
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK (NC)

My name is XXXX XXXX and I opened a bank account with ETrade around XXXX of last year when I turned XXXX. I did this because my mom said she wanted me to start investing early. I am in school to become an animator and illustrator and do a lot of social media content management and graphic work for companies. I deposited my 2 payroll paychecks after I opened my account with E Trade, even after a two week hold on my account E Trade refused to release my funds and then proceeded to close my account with no reason why, no letter, and no call back when I called them to ask why they are doing this. I asked them where is the written policy for how they are handling me. They literally have never called back or sent my funds to me. This is Theft and XXXX. I am a college kid and need all the money I make. The total amount was XXXX ( It was my two paychecks..each XXXX ) I feel that it is unfair for them to hold my money for no reason for this long. My mom would have helped me invest it to make more money and now I have missed out on that opportunity. I am also seeking legal representation to file a lawsuit against E Trade for what they have illegally done to me. I would have made a good amount of money by now from Investing if they had not been dismissive, dishonest and deceptive. This behavior is Theft and I am not going to let what they did go without speaking up and fighting back. Thank you for your help
Consumer complaint received 2020-11-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NY)

I have been trying to get mortgage assistance from PNC since Covid started. I received a forbearance and then tried to modify the mortgage to make payments sustainable until Covid is over. I paid a small amount every month, trying to keep up with the interest while I was in the application process. I filled out the application three times and kept getting messages that contradicted each other. I also spoke with PNC several times by phone. I was told they were working on the application, and many times had to resubmit the documents and the letter, etc. Last I heard I was waiting to hear back from them about my application, which they said was complete. I called again when I got a notice of potential default and was told my application was complete and to ignore that message. Today I got a notice that I am in default, no modification and no offer to even put the remaining balance at the end of the loan. I have tried and tried and no avail.
Consumer complaint received 2021-02-27
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: FORD MOTOR CREDIT CO. (AZ)

On XX/XX/XXXX I took my daughter car shopping at a XXXX dealership in XXXX Arizona and I authorized them to search my credit that day but since that date my credit has been pulled without my consent my credit inquiries have gone through the roof as of XX/XX/XXXX and searches XX/XX/XXXX of this year. I want very much for these unauthorized inquiries removed from my credit report.
Consumer complaint received 2021-05-21
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. (NY)

I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. This company has failed to remove these fraudulent accounts and inquiries in 4 days of receiving my identity theft statement. this is a violation of 15 U.S. Code 1681c2. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc (NY)

On XX/XX/2022 there was a transaction done on my account that I did not authorize nor did I initiate. It was a personal wire transfer from myself to another persons account with the same bank. The morning that I found out this transaction took place I immediately reached out to chime to try to get them to stop or reverse the transaction. I opened a claim despite. On the third of XXXX, they immediately denied my claim. I replied to Chime and asked them for documentation of the documents use to draw their conclusion. I was told that the forms will be sent to me in the email had no attachment to it. On XXXX XX/XX/2022 I filled a police report against the person listed in the money transfer. The detective reached out to me and told me that he was on the case. I reached out to chime again and made them aware that I did follow police report. I gave them the number of the report and the number to the police detective working on the case. Chimed in again denied my request to put my funds back in my account. I reached out to chime again and asked for copies of the documentation to make a conclusion they sent me a statement saying that the location where the transaction actually take place. They included that my password was not compromise and to conclude that no mistake was made. I wrote a rebuttal stating that the hotel that was the location was at the hotel that my job frequently uses I also said that my password was not compromised because my password was my fingerprint that was compromised because it done while I was sleeping. They still denied my claim. I have run out of opportunities to file a rebuttal and every time I call them nothing happens. I am not a rich person I dont have a Lotta money and {$300.00} means a lot to me because it was around the holiday time. It is over a month later and I still have not been reimbursed the money that was taken from me.
Consumer complaint received 2018-02-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (AL)

In XX/XX/XXXX, I purchased a new vehicle through my XXXX company with a lease through XXXX XXXX via XXXX XXXX. After 3 months of owning the vehicle, the vehicle started having electrical problems with the dash and video components going blue or cutting off completely. We had the vehicle serviced and reviewed over a 5 month period continuing to make payments. After a XXXX Corporate Technician was flown in to review the vehicle problems, he was able to duplicate the problem and said the vehicle is not able to be repaired because the vehicle could not withstand a software update. Therefore, XXXX XXXX sends me a letter stating they are reviewing my vehicle for the Lemon Law in the state of Alabama. After receiving the letter and the vehicle is not able to be repaired and could be a hazard based on the electrical issue, I stopped making payments to XXXX XXXX  because the vehicle is unsafe and not operating in a manner I am comfortable to put my family in. Because I stopped making payments, XXXX XXXX  starting calling me and asking for an explanation why I was not making payments. Each week over a 6 week period they would call at least once or twice a week asking for payment and I would tell them the problem and they would tell me okay but someone else is going to call soon to ask again for payment and an explanation. Each time I would give the explanation and have the person calling to review the notes and they would say the same thing. This week Of XX/XX/XXXX, I received a XXXX Update on my credit score stating my score had dropped due to an outstanding payment over 30 days with XXXX XXXX. I feel as if XXXX XXXX and Corporation are being unfair about me making payments on a car that is unsafe to drive and can not be repaired. I feel as if they bullied me into trying to make me make payments on a vehicle they can not repair and could be a hazard to my family driving it. I will upload all files for review.