davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NY)

I HAVE SETTLED AN ACCOUNT WITH COMENITY BANK AND THIS WILL BE THE SECOND COMPLAINT AGAINT IN 3 MONTHS FOR NOT REPORTING MY CORRERCT PAYMENT AT THEIR LOCATION AND GIVING FALSE INFORMATION AS WELL. I HAVE PAID MT ACCOUNT IN FULL ON XX/XX/XXXX AND I RECEIVED A SETTLEMENT PAID LETTER ON XX/XX/XXXX. I ADVISE THE TO CONTACT THE REPORTING AGENCIES TO UPDATE MY FILE. I THGEN CONTACTED THE BANK AND SPOKE TO XXXX XXXX AT XXXX AT EXT XXXX ABOUT THIS MATTER AND AGAIN I WAS GIVEN FALSE AND INCORRECT INFORMATION.HE STATED HE WOULD SPEAK TO A MANAGER TO CORRECT THE PROBLEM BECAUSE THEY NEVER UPDATED MY ACCOUNT AND THEY STATED I STILL OWED XXXX WICH I DID NOT BECAUSE I RECEIVED VIA EMAIL THAT MY ACCONT WAS SATISFIED. HE STATED THAT THEY NEVER UPDATED MY ACCOUNT AND SAID IT WOULD TAKE ANOTHER 45 DAYS TO DO SO WHICH BOGUS KNOWING THAT I PAID MY ACCOUNT THEN CALLED BACK AGAIN TODAY AND AGAIN THEY REFUSE TO UPDATE MY ACCOUNT AND THEY TRIED TO STATED I STILL OWED XXXX. AS I STATED EARLIER THIS I THE SECOND COMPALINT AGAINST THE SAME BANK AND THE SAME PERSON THAT REFUSE TO UPDAT MY INFORMATION I THEN CALLED BACK TODAY XX/XX/XXXX AND CALLED COMENENT BANK AGAIN BECAUSE THEY STILL REFUSE TO CONTACT THE REPORTING AGENCIES THAT MY ACCOUNT WAS SETTLEDIN FULL/ 1ST PERSON SPOKE TO XXXX XXXX STATED THAT MY ACCOUNT WAS PAST DUE FOR THE AMOUNT OF XXXX. ADVISE WAS INCORRECT.. TRANSFERED ME TO ANOTHER PERSON XXXX REFUSE TO GIVE LAST NAME ID # XXXX. GAVE THE SAME INFORMATION.. STATED ACCOUNT WAS NEVER UPDATED BACK FROM XX/XX/XXXX AND ADVISED HER I RECIEVED A SETTED IN FULL LETTER. STATED WOULD UPDST FILE AND ADVISED HER THT THIS WAS STAED NUMEROUS TIMES BEFORE. I ALSO STATED WHY WASN, T THIS DONE ON XX/XX/XXXX SO WHEN THE REPORTING AGENCIES WOULD GET THE CORRECT INFORMATION TO UPDATE MY ACCOUNT AS PER THE LETTERS I RECEVED THAT WOULD BUT NOW YOY STATE AGAIN  TO UPDATE ANS SHE NEVER STAED SHE WOULD CONTACT THE REPORTING AGENCIES REGARDING THE FALSE IN FORMATION AGAIN GIVEN BY THIS COMPANY. 
THIS IS THE SECOND TIME THEY HAVE DONE THIS TO REPRT FALSE INFORMATIOM XXXX XXXX XXXX Credit reporting Incorrect information on your report COMENTITYCAPITAL BANK XX/XX/XXXX
Consumer complaint received 2020-08-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am struggling with XXXX XXXX XXXX XXXX XXXX XXXX. They put me onto the lease monthly payment deferment program without my explicit permission. Since I opened a new lease account in XX/XX/XXXX, I have never been late to the monthly payment ( not even a single time ). I do not want to be a part of the deferment program. I do not ( and can not ) know what benefits XXXX receives from local/federal programs at this moment by putting their customers onto that deferment payment program ; however, I do not want to be on that deferment program. Since XXXX reported falsely my account status to the credit bureau I am now having a hard time getting a refinancing. Ive contacted XXXX regarding this very issue multiple times via calls/emails/XXXX  Support teams, and they are not willing to correct their clear mistake putting my lease account onto the deferment program without my clear permission. This ill practice must be stopped. Again, I have never been late in making monthly payments and I did clearly ask XXXX to delist my account from the deferment program. XXXX has refused to correct their mistakes. They placed my lease account onto the deferment program in XX/XX/XXXX, and I contacted them in XX/XX/XXXX to fix that. I contacted them back in XXXX and again XXXX to correct it. It is still remained unchanged. I have spent more than 30 hours to resolve this issue with XXXX in a reasonable manner ; however, XXXX keeps repeating the same nonsense. It is a really frustrating and horrible time-consuming experience.
Consumer complaint received 2024-02-21
Product: Credit reporting 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. (NY)

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



XXXX. The inquiry was not authorized XXXX - XXXX Account Number : Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report.
Consumer complaint received 2019-06-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP (NY)

From the Desk of XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, NY XXXX XXXX XXXX XX/XX/2019 Consumer Financial Protection Bureau Complaint Department To Whom it may Concern : I have written you previously, on XX/XX/2019, because our company, XXXX XXXX XXXX XXXX, and myself, XXXX XXXX XXXX, XXXX XXXX, at the address XXXX XXXX XXXX XXXX, NY XXXX, received several Demand For Payment letters from Key Bank, headquartered in XXXX, OH. This was for loan # XXXX, made in the name XXXX XXXX XXXX XXXX At the time, Key Bank supplied no supporting documents relating to this loan. 

Thanks to letters to agencies such as yours, and the XXXX XXXX XXXX, Key Bank supplied the supporting documents that showed that our then-current obligation of {$4600.00} was owed to Key Bank because Key Bank had purchased a mortgage loan we had made with another bank.

Key Bank sent us another loan statement in the amount of {$4700.00}, which we received on XX/XX/2019 ( Exhibit A ). We paid this statement off with a check for {$4800.00}, on XX/XX/2019. That check cleared on XX/XX/2019 ( Exhibit B ).

Key Bank has since sent us another payment demand, which we received on XX/XX/2019, for the amount {$4700.00} ( Exhibit C ).

In separate telephone calls on Friday, XX/XX/2019, our company bookkeeper, XXXX XXXX, and our company CFO, XXXX XXXX, tried to tell Key Bank representatives that the statement had been paid off. No Key Bank representative would take any action on these notices, saying that Ms. XXXX and Ms. XXXX are not listed on the account. 

I would call Key Bank myself, but I am severely hearing-disabled. Telephone customer service with recorded prompts, and when one finally reaches a live representative numerous questions by which I have to identify myself, are a torture to me.

I feel, as a hearing-impaired person, that I am being made a victim by Key Bank. It is a disgrace that a Key Bank representative can not talk to one of my representatives to confirm a simple matter such as a check payment, and to perhaps place a note on the account that payment is made. It is a disgrace that no note can be made of the fact that I am hearing-impaired, and that any identifying questions should be reduced to a simple password identification. 

Please do something to stop this particular annoyance, which is the latest in trouble over this loan from Key Bank Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-21
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: Waypoint Resource Group, LLC (CA)

I have a loan with XXXX and WAYPOINT ( Original Creditor : 11 XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX and WAYPOINT ( Original Creditor : 11 XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-11-05
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

I ordered a couch and a dining table from Macy 's in XX/XX/2020. I was told it would take 2 months to come in. At the end of XXXX, I called to inquire about an estimated delivery date. I was told that the table had been cancelled. Due to not being notified of this, Macy 's offered me a credit towards the price of the couch. 

When the couch was delivered in XXXX, it arrived in the wrong fabric and color. After >8 phone calls to Macy 's to set up a return on this couch and to get the correct fabric/color ordered on the new couch, I had cumulatively spent over 12 hours on hold. I was told several times that someone would call me back to get the new couch ordered, but on each occasion I never received a call. I finally got a manager who  apologized and offered a discount on the couch for the inconvenience. 

When I received my credit card statement, I was being asked to overpay for the couch and that I would receive a credit in the amount of {$290.00} once the current couch is picked up and the new couch is delivered. The email states : " Thank you for your recent inquiry concerning the merchandise you purchased on sales check number XXXX. This email confirms that we requested an adjustment in the amount of {$290.00} due to the concerns that we discussed. This adjustment will be processed once your merchandise has been delivered and charged to the credit account that you provided. '' However, the sales check which is referenced is for {$1100.00} plus {$100.00} totaling XXXX. However, I was told that the {$290.00} refund would be applied to the current amount owed to Macy 's, which is actually XXXX on my bill. The representative ( XXXX ) told me that I would receive a {$290.00} credit on the XXXX, NOT a {$290.00} credit on the sales check which is for XXXX ( there is a discrepancy between the bill and the sales check because I received a credit on the sales check for the inconvenience of a cancelled table order ). 

This issue needs to be resolved and Macy 's has been unable to correctly resolve this after a cumulative 13 phone calls regarding the billing issue.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

I have been trying to work with Caliber Home Loans to save my home from foreclosure. 
I sent a complete modification package to Caliber fax numberXXXX. 
The Submission contained all requested documents along with the RMA. 
We have submitted at least 10 modification packages and each time we have had to start over.

The hardship that we had is over and we are employed and want to work with Caliber to save our home. Please help us stop this sale date for XX/XX/2018 and save our home. 
It sis not that we want to live in our home for free. We are responsible working people and want to save our home. If only we can come into a good working relationship with Caliber Home loans I know that we can bring our loan current and stay current on the payments. 
We are reaching out for help and support to get back on track with our mortgage. 
Thank You.
Consumer complaint received 2020-08-21
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: JPMORGAN CHASE & CO. (CA)

I have a loan with US DEPT ED, JPMCB XXXX, and USDOE/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, US DEPT ED, JPMCB CARD, and USDOE/XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (KS)

AR Resources is a third party collection agency and has no legal right to make entries on my credit report for this alleged debt. After research AR Resources does not possess the proper documentation, or legal authority to collect, or make entries to my credit report for this alleged debt.
Consumer complaint received 2022-09-13
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. (IL)

XXXX CContacted the us department of education loan services and explained the error and that i haven't receive any communications from them regarding my status.I enrolled in the income drive payment plan. 

XXXX notified XXXX, XXXX, and tranunion the error
Consumer complaint received 2022-09-13
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. (CA)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX XXXX, and XXXX/XXXX. This has caused me great XXXX, stress, and financial hardship.
Consumer complaint received 2020-08-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ID)

I had this set up for auto pay. Every month I had to sit on phone for an hr to get it fixed or payed. It Was just for the fee they charge. I have called and had investigations done. All XXXX  does is move the lates around from one month to the next. All my credit is 100 % pay on time for 20 year and more then 28 accounts. Funny I only have a problem with chase bank for two years. What was funny at the time I did the loan this bank said I was a XXXX credit!! Ok well 1 week later I thought I would refinance it and I had XXXX come back with a score of XXXX. Yes I know of the difference models but 120 points. This should be illegal! I took the truck and traded it off to get rid of XXXX. XXXX needs To be investigated for illegal charges and plus I never talked to a US person once to try and fix the problem. Not a good bank with all the complaints
Consumer complaint received 2024-02-21
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. (GA)

TransUnion has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. However, I have never received any documentation to prove that their investigation is correct. FTC complaint is being attached to prove that I had made some necessary actions considering my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (MD)

For the last four years someone has been using my social security numbers and trying to get loans last year someone reported that I was released and each year I send information to Equifax and the problem is never sovled this year I notice something else was wrong my potential job tryed to run a background check and couldn't because I had to report fraud of idenity theft for the previous years my I'd was stolen out my mailbox and this person has access to my social security number how they retrieved it I don't know.This year I called Equifax again because my potential employer could not verify my address with social, and asked them to for a temporary lift so my employer could verify my social and they asked me security questions and was not able to lift it because they stated I answered the questions incorrectly, so they asked that I submit information to verify who XXXX and I did each year I have and they keep acting like the information was never received I believe the person who used my information works for the goverment or know someone who does, Last year my social was linked to someone who was dead I had to clear that up the previous year someone got XXXX phones in my name and now this.The process has been going on for four years with this and Equifax is not helping.I worked at XXXX XXXX in 2014 and someone who was from another country had the same social security number as I did.I just want this to stop I do have proof of who iam and can verify that as I have done with Equifax for the last four years it's starting to be a problem, they sent me a letter last year stating I was affected by the data breech.Also this is not right and has also slowed my process to go to orientation for my potential work place which I was suppose to go on the XX/XX/XXXX but  couldn't.I have to take them proof verifying who Iam
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BMO Bank, N.A. (AZ)

in XXXX XXXX my mother purchased a property in XXXX. In XXXX of XXXX she filed a revocable land trust naming me as beneficiary. in XXXX XXXX my mother applied for and was approved for a 2nd mortgage with Harris bank. I was told that due to the land trust, I would need to sign this 2nd mortgage with my mother. In XXXX XXXX, my mother filed chapter XXXX bankruptcy. I was paying the first mortgage, living at the location taking care of my mother. In XXXX XXXX my mother passed. I continued paying first mortgage. I never received any notices from Harris Bank about any money due them. In XXXX XXXX I relocated to XXXX. My mail was forwarded.in XXXX I attempted to purchase an rv. I was denied as a delinquent mortgage was reported by harris bank. I called them and they refused to talk to me stating my mom had filed bankruptcy and they could not talk to me. when I asked for debt validation, they sent me copy of promissory note I signed in XXXX. I called them and explained that I was unaware of any balance due. I explained that this report to credit stops me from refinancing and taking care of my moms debt. I also explained that I did not file bankruptcy and asked why no demand for payment was made before reporting this to credit. since their report, I have suffered extreme financial hardship. I later found out through other sources, Harris bank wrote this loan off in XXXX my mom had continued to pay until she passed. Harris bank states they never sent any notices stating that payments stopped or the loan was delinquent. I do n't have enough personal funds to hire an attorney, or pay the delinquency. Because of the credit report, I cant refinance as my score fell from XXXX to XXXX. I am unable to purchase a home in XXXX. It is my understanding that when a mortgage becomes delinquent, a demand for payment should be made before taking any other action. even if they had started reporting the missed payments on my credit immediately, I would have known and had time to rectify the situation. but they did not report anything on my credit for almost 2 years after payments stopped.