davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (DC)

I am writing a compliant about Toyota Financial Services ( XXXX. XXXX XXXX, XXXX XXXX, IA XXXX ). The company reported my account as delinquent to the credit agencies on XX/XX/2020. The disputed charge is for {$140.00} ( expected payment date XX/XX/2020 ), and it is marked as a " delinquent payment made in full between 60-80 days late '' on my credit report. My account is now closed, they have marked the account as paid in full, they have sent me the title to the vehicle, and I have never made a payment for {$140.00}. At no point did their online portal, phone system or paper billing system register the account as being delinquent. I have attached the two billing statements from XX/XX/2020 which all show a {$0.00} past due amount on the account. There was no XX/XX/2020 billing statement, since the account was paid in full and closed on XX/XX/2020. Toyota Financial Services did not attempt to inform me ( through phone, their phone system, their online portal, their paper billing statements or written correspondence ) that the account was past due at any point between XX/XX/XXXX, XXXX XX/XX/2020. 

I have called Toyota Financial Services monthly since XX/XX/2020 to try and get this matter resolved. After each ( recorded ) phone call the representative told me that there was a clear mistake on the account, and the delinquency would be removed from my credit report. The representatives have sited known system errors during the XXXX XXXX XX/XX/2020 time frame ; and an incorrect application of a warranty refund to the account as the reason for the mistake. However, despite these phone calls with the representatives, Toyota Financial Services refuses to remove the delinquency from my credit report. They have not provided a reason for their refusal, except for one-page letters stating that, " The information reflected in our records is correct and we are reporting your account to the credit reporting agencies in a manner that is consistent with our records. '' Clearly, this is not the case as their billing statements, online portal, and phone system are not showing any delinquencies on the account. Therefore, their records are not internally consistent, and at least one of the records must be incorrect. 


I sent the company a letter ( via certified mail ) on XX/XX/2020. In this letter, I clearly explained the grievance and asking for a more through explanation of the delinquency. They responded in a one page form letter on XX/XX/2020 which said that, " The information in our records is correct, and we are reporting your account to the credit reporting agencies in a manner that is consistent with our records. '' At this point I have spent over 5 hours trying to resolve this directly with the company. I no longer believe that the company is operating in good faith, and I am seeking recourse through their regulatory agency. 

I have attached copies of my statements from the company, and the letter sent on XX/XX/2020 for your review.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I'm disappointed by your failure to remove fraudulent accounts from my credit report despite confirmation of identity theft and assurance from the associated bank. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. This violates the Fair Credit Reporting Act. I demand the immediate deletion of the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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
Consumer complaint received 2018-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates is trying to collect on 3 XXXX XXXX accounts, that do not belong to me. I have disputed the allegations. Portfolio Recovery Associates has been harassing me about 3 alleged XXXX XXXX accounts, that they claim belong to me. I have no knowledge of these accounts and have disputed the allegations with PRA and the 3 major credit bureau 's. XXXX XXXX is not listing these 3 accounts on my credit report. And if they were mine, negative information would stay on my credit for 7 years. Secondly, XXXX XXXX has a policy where a consumer can only have 2 directly issued cards with them. So it is impossible to have 3. I have provided proof of this statement directly to PRA. In PRA 's letter to me, they promise to provide a " chain of title '' if requested. I have requested this multiple times, and they have not provided it. This is a violation of the FDCPA for a misrepresentation and false statement. The Illinois collection Agency Act requires PRA to provide a signed contract of the agreement, the assignment, and the consideration for the assignment. PRA has willfully not provided these items to me after I have submitted multiple letters requesting this information. They did provide me a generic BILL of Sale which makes no reference to me or the alleged accounts. Which violates a consent order that the Consumer Financial Protection Bureau ordered against PRA. Enacted in 2015, file No. XXXX. The Illinois law also requires PRA to be a licensed debt collector whether they are collecting directly or indirectly. And PRA is not licensed in the state of Illinois but is threatening to sue me and get a judgement against me. I believe these accounts may be a result of identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. PRA is the only one with knowledge of these accounts. And they have not provided me with proof they own these accounts, that these accounts belong to me, and that I have a contract with them or with XXXX XXXX. PRA has used multiple false and misleading representations to me, has threatened to take legal action that can not legally be taken, they never investigated my original dispute within the 30 day time frame, and they are reporting false information to the Credit Reporting Agencies without verifying and they should have known this info was inaccurate. They claim they investigated my claim, but if they would have called XXXX XXXX to verify a consumer can't have over 2 directly issued accounts, they would realize I was correct. I faxed in documents of my claims to the CFPB yesterday. The fax contained the generic Bill of Sale documents. I am contacting you again because I didn't include my email address yesterday in the fax. I apologize.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Looking over my credit report I noticed there was a late payment showing and due to the pandemic/hardship I was not able to make those payments on time. The following account that shows late payment for XX/XX/2020 XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX. Due to the Pandemic shutdown I was effected financially.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is claiming I was late 3 or delinquent 3 times on my credit report. XX/XX/2019, XX/XX/2019, and XX/XX/2019. Ive tried several times to get this corrected and prove that I was not delinquent, however when I try to access my statement history for anytime past 3 months, the system doesnt allow me. Ive called in several times regarding this issue and have been transferred to multiple departments, all of whom also cant access this report. Ive disputed this with Transunion, XXXX  & XXXX to provide proof I was late so I can see this information, XXXX  has claimed I was more than 30 days late 3 times and that I hadnt made a payment in the 60 day timeframe, I however have attempted to using my XXXX XXXX  with account # ending in XXXX. Their website rejects the payment as an external source without explanation or notifying me, so I can use their banking services. An executive with the company denies this, which of course is a lie. Ive called in to make payments using external banks and they charge erroneous & unduly fees on the consumer. They claimed to have sent me letters explaining the delinquency, however they sent it to a wrong address that is not on my credit report. They repeatedly refuse to rectify this. Ive emailed XXXX XXXX - CEO and got a response from one of his executive who claims that this information is accurate and refuses to provide proof or any investigation into the myriad of phone calls Ive had with multiple departments, so I cant access previous statements, get an investigation into the several phone calls and I have his executive saying thats all part of the FCRA and thats why they cant remove it. This information is reflecting negatively on me & my creditworthiness. Its unduly, burdensome, erroneous, misleading, inaccurate and Im asking for it to be removed.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-01-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Hello, My name is XXXX XXXX. On XX/XX/2021 I sent out letters to XXXX, XXXX, and experian to inform them of incorrect information on my credit report and asked them to validate the debt. They have yet to respond and the information has yet to be removed. the accounts in question are as follows : 1 ) Account : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX, XXXX Amount : {$620.00} 2 ) Account : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX, XXXX Amount : {$790.00} 3 ) Account : XXXX XXXX  Creditor : XXXX XXXX XXXX  Opened : XXXX, XXXX Amount : {$680.00}
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (VA)

I recently applied for a credit card with Chase on XX/XX/XXXX. I called on XX/XX/XXXX and when I inquired about the status, they advised I was denied for 3 reasons. One of those was that I had a derogatory history with them. About 10 years ago I had a credit card with them that I got when I was XXXX and it went to default, collections, and then judgement. I have paid the judgement in full back several years ago and nothing derogatory is now showing with them on my credit history. No collections or judgements. They are claiming that they are denying me for this being one of the reasons under FCRA but there is nothing to support this on my credit history anymore. I have been approved and denied for other loans and credit card companies before and never have they cited anything to do with Chase so I find it hard to believe they are correct when citing they can do this as part of FCRA. When I asked them would they ever lend to me again, they said they couldn't answer because they can't dissuade anyone from ever applying again nor could tell me how to repair the negative history with them. This seems contradictory because they are always going to have this as part of their records so therefore if its something that I can't fix with them or is going to remain as part of their records, then how is this not " dissuading '' me from applying for any account with them. Why would I waste my time again applying if I know this potentially a reason they would most likely deny me credit. A representative named " XXXX '' said I could try and contact the " charge off '' department and see if they still have it but not sure what good that will do if its over XXXX XXXX XXXX. I feel like I am going to be punished with them and have no way to fix or repair the consumer relationship with them even if I was to have better credit than I currently do today.
Consumer complaint received 2022-05-02
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # : XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2020-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Arbor Professional Solutions, Inc. (IN)

The City of XXXX XXXX provided an ambulance ride and billed it to my health care provider incorrectly and they denied payment, this is a municipal agency that used tax dollars to pay their employees and should not initiate collections as they are compensated by taxes for service. They turned it over to Arbor Professional Solutions XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for the supposed balance due of {$580.00} and they in turn filed a collections notice on my clean credit report and did it without trying to collect from my health insurance ( which deductible has been met and should pay ) and also without waiting the required 180 days.
Consumer complaint received 2018-02-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InterLinc Mortgage Services, LLC (KS)

I was referred to XXXX XXXX  in XXXX, KS ( XXXX XXXX ) by a friend who was a current employee. When I first began the loan process, I was told that I should qualify for a Conventional Loan. After going through several weeks of continual submitting documents I was then told that they will need to transfer my loan to FHA. I submitted several other documents and were told that we should be good to go however just a few days before closing date I was informed that the Underwriter would not clear me for the loan. At that time, XXXX XXXX had another suggestions that was to send my loan to a private investor, XXXX XXXX 's father. I did not know what was going on but I meet with the private investor and learned that there would be an outrageous cost to fund my loan. I then spoke with my realtor and she suggested that I might want to reconsider because she had learned of some disturbing news about the situation. I was later informed that there was some illegal action going on by XXXX XXXX   ( skating ). I nicely declined the services of the private investor. I then contacted another lender and was approved and closed on a Conventional Loan that the lender told me that I should have been approved for several months earlier. I was very vulnerable at the time that I was trying to go through XXXX XXXX   because my wife had recently passed away in our home and I could no longer live there. I feel XXXX XXXX took advantage of my situation in an attempt for a larger financial gain with her father. Please investigate this matter because my friend who was employed with XXXX XXXX  informed me that my application was not the only one that dealt with this corrupt situation. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

I have for several years tried to challenge this loan for discharge through the proper channels. I was sent the wrong forms by the phone team many times. Most recently I believe it is frozen for proper investigation? Can we confirm thos status please? Also there is incorrect negative credit reporting on all 3 bureaus ; XXXX, XXXX  and XXXX  that show I have missed, late payments from the aforementioned issue. I was told the credit report is showing for XX/XX/XXXX a 90 to 119 days late. This is hurting me and keeping me from getting a job. Please update this immediately. Also, the below XXXXXX/XX/XXXX rep and office, as well as the Maryland attorney generals office volunteers emphasized they do not like handling ny complaints in good faith. They obstruct my legal rights. You will see a culmination of phone team abuses, phone team social justice warrioring and an overall distain for me having a credit score with purchasing power. All of this destroyed by bratty phone reps and complex tech errors. Please handle each complaint without profiling the number of complaints. Please consider legislation the allows transparency and immediate receipts from each business phone transaction. The individual needs to be able to wire tap business transactions for accountibility if not. All problems since XX/XX/XXXX stem from kids not liking my tone then sarcasticly transferring me in circles messing up ny accounts. I left a clear record timecapsuled for all agencies how social justice warriors in the phone illegally sabotaged my american dream. Please correct these scams. I give up and will not have children here or participate sincerely in business until fixed.
Consumer complaint received 2018-07-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There is a collection with XXXX XXXX reporting on my credit file. I have asked the credit companies to validate the debt because I am XXXX XXXX XXXX covered under the VA so this would be under the VA. It may be a mistaken name or something like that but my medical coverage is the government. Please help me with this
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # : XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (NY)

Transaction date : XX/XX/2021, XXXX XXXX  XXXX Amount : {$190.00} I sent money on the above date but other party never piked up that amount. 
After a while Xoom is a service of XXXX XXXX XXXX sent an e-mail to me because other party never picked up a money that they will refund my money. They supposed to refund to my credit card because I used credit card for sending money. But per their e-mail they sent e a check which I never received. 
I called them many times and every time they gave me a story that supervisor will look into it and send me my money soon. 
I am still waiting and sick of calling these guys. 

Please, look into it and let me know what do I need to do to get my money back. 
Thanks.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (NY)

I HAD A PLUMBING COMPANY COME TO MY HOME AND DO WORK FOR ME WHICH THEY CHARGED ME XXXX I PAID THEM WITH MY FEDELITY VISA CARDND  I DID AUTHORIZE THIS CHARGE AND GIVE MY CONSENT FOR THEM TO TAKE XXXX XXXX OUT OF MY CREDIT CARD ACCOUNT. HOWEVER A FEW DAYS LATER THEY CHARGED MY ACCOUNT AGAIN XXXX WITHOUT MY AUTHORIZATION OR CONSENT TO DO SO.. I CALLED THE  PLUMBING COMPANY AND ASKED WHY THEY CHARGED MY ACCOUNT AGAIN AND NO ONE HAS A ANSWER FOR ME. I REPORTED FRAUD TO MY FEDELITY VISA CARD ON XX/XX/18 SPOKE TO REP XXXX ID # XXXX WHO SAID THAT HE FILED THE FRAUD COMPLAINT AND GAVE ME A CASE # XXXX I RECIEVED A PHONE CALL FROM A XXXX  @ XXXX EXT XXXX BUT THAT EXT DOESNT WORK SO I CALLED BACK AND SPOKE TO REP XXXX ID # XXXX WHO WAS SO NASTY AND RUDE AND KEPT CUTTING MY NIECE OFF WHO WAS ON THE PHONE HELPING ME SO WE ASKED TO SPEAK TO A MANAGER XXXX MANAGER GOT ON THE LINE ID # XXXX AND SAID THAT THE FRAUD WAS NEVER FILED IT WAS ONLY PUT IN DISPUTE SO WE TOLD HIM IT WAS FRAUD. HE SAID HE WAS PUTTING IT IN FRAUD AND SENDING A NEW CARD TO ME.THESE PEOPLE ARE VERY RUDE, UNPROFESSIONAL, AND THEY LIE AND DONT DO WHAT THEY SAID. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME I CANT AFFORD XXXX TO BE TAKEN OUT OF MY ACCOUNT THIS PLUMBING COMPANY STOLE FROM ME. I NEVER AUTHORIZED THIS CHARGE AT ALL THE ONLY ONE I AUTHORIZED WAS THE XXXX CHARGE. SO THIS MEANS THEY KEPT MY CREDIT CARD INFO AND THOUGHT THEY COULD TAKE ADVANTAGE OF ME A STEAL MY MONEY THAT I DONT HAVE, AND NOW VISA ISNT EVEN HELPING THEY ARE PROLONGING ME GETTING MY MONEY BACK BECAUSE THEY KEEP SAYING THEY FILED FRAUD BUT THEY NEVER DID THEY JUST PUT IN DISPUTE AND THIS IS NOT A DISPUTE. PLEASE HELP ME GET MY MONEY BACK
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (OK)

When I was XXXX, I only signed up for a tour of XXXX campus. And I wanted to go through the pilot program. When I showed up, I was informed that I would never be able to afford the pilot program but I " should sign up for the mechanics program since it will make you lots of money one day and then you can afford the pilot program ''. I was coerced into actually signing up for tuition same day. Some lady on a computer looked up all the loans for me and just had me verbally agree. I should have had more time to discuss this huge financial decision and some adult should have explained what my obligations would have been. I feel like I was taken advantage of much like a XXXX car salesman preys on the unexpected.