davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

As it is VERY clear to see, ALL of my accounts are in good standing, paid off/never late, paid in full etc etc and then theres this vehicle that has been on here that I havent known what to do with. Every time I call Toyota Motor Credit, they are rude, unhelpful, and ask for the social security of the accountholder. Since it isnt me, they treat it like XXXX XXXX. So how am I supposed to even know whats going on when they wont comply? I own, operate and pay for ONE vehicle. I have NEVER lived at the address associated with the creditors account -- which states on my credit it was reported by them -- and I am sick of seeing this information on my credit. I dont care how it gets removed it just needs to or they need to be more open about their communication with me. Ive called multiple times with no resolution because theyve simply made it not their problem but what IS a problem is having this under my name and on my credit. And because I dont have the right social security number, there is no information I have been given, which has led me to dispute. Do you all need bank statements, my XXXX file,.?? What is it? I cant even protect myself because Im given no option?! This is literally outrageous and Im very close to suing them. If its mine and certified then why can I make no changes, be removed, get access to the account when I call to start, any of those things?? Is this car parked outside my house? Do I have even a copy of a key? Have I ever driven this vehicle or made any payments on it?? When it makes sense I cant say anything, but this is making ZERO. The answer to every question here is no and Im not standing for that.

I dont pay late, in fact I pay early. I dont have ANY other accounts that are suffering, so how is this adding up?
Consumer complaint received 2020-01-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (VA)

I applied for a loan last XX/XX/2019 in the amount of {$620.00} the limit Im should is {$500.00} for online loans and the interest rate is extremely high my current balance is {$800.00} more than the {$620.00} I borrowed and the company isnt able to do a negotiated settlement amount with me looking for help out of this nightmare Im dealing with
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

This company has an account listed on my credit report, not once but TWICE for the same amount. I've had an account in good standing with XXXX for YEARS. I just recently closed my XXXX account and went to a prepaid service, in XX/XX/XXXX. Meanwhile, this fraudulent company has a XXXX account listed for {$1100.00} twice on my credit report. I've already sent in a letter and proof that this is not my account. I have not heard back and this is hindering my credit report. 

One account was last reported on last reported XX/XX/XXXX and the other on XX/XX/XXXX.
Consumer complaint received 2021-06-07
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-01-30
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: SYNCHRONY FINANCIAL (FL)

There was a fraud alert placed on my credit without my knowledge. The active alert stated that inquired about new credit would have to contact me first. However there we no contact number attached to the alert making the inquiries for new credit invalid. Reached out to the companies no assistance provided, reach out to credit bureaus, and no update to the credit profile. 

Dates of inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-08-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (OK)

I sold my home and paid off the mortgage with Arvest Bank on XX/XX/XXXX. I have not received the escrow " difference '' in the amount of around {$2600.00} as of XX/XX/XXXX. They first said it was mailed to the " address on file '' which was the home that was sold. ( I did complete paperwork at closing with a forwarding address for all post closing issues ) I reached out via email to their mortgage customer service and received no response. The next day, I called and they said they would re-issue the check next day and mail it to the correct address. This was 2 weeks ago. I still have not received the check. I have called to verify it was sent the next day and they assured me it was. This is the 2nd huge issue I have had with Arvest Bank Mortgage Division and it was also an escrow issue. When I refinanced my loan with Arvest back in XXXX, they neglected to update my insurance information and when it came time to pay the insurance premium, they paid the wrong company causing several issues including my insurance to lapse and my mortgage payment to go up.
Consumer complaint received 2023-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

I applied for PSLF on XX/XX/XXXX. They currently have me listed as having made 118 payments, but all of my payments from XX/XX/XXXX till XX/XX/XXXX are missing. During the missing months, my loans were with XXXX XXXX XXXX. In XX/XX/XXXX my loans were transferred to XXXX. I have contacted Mohela repeatedly and I have filed a reconsideration request and a complaint with the Department of Education. They sent me an email on XX/XX/XXXX stating that my payment counts had been updated, but none of my payments from XXXX are listed on the Mohela site. Nothing has changed. I have worked in the same public school district since XXXX and I have been making payments the entire time. I contacted Mohela on XX/XX/XXXX to ask why they werent there and they didnt have an answer other than to say that it might take a few days for it to show in my account. That was a month ago and nothing from those missing years is showing up. They have no answers for me when I call or send written messages. My loans have been consolidated XXXXXXXX XXXX since XXXX and they need to include the payments made while I was with XXXX XXXX XXXX ( XXXX ), forgive my remaining balance, and issue a refund for all payments made over XXXX.
Consumer complaint received 2021-05-25
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: Experian Information Solutions Inc. (NJ)

the company is with XXXX XXXX XXXX XXXX who are reporting multiple late payments when I actually was making extra payments and or higher payments towards my loan by choice to pay it down. regular payments were {$320.00} and as shown in my receipts i even payed XXXX XXXX in some months. others were returned because they would hit my account a long time from when i submitted the payments, however I then made the payments from a different account as soon as i was notified by my bank that it was returned. even still there is no way it was 30 to 90 days late from when i payed from another account unless their own processing ( which is long already ) took that long so i could notice. I'm pretty sure this is false reporting and very bad business. would not do buisnessbwith them again. they also reported a credit card balance in which I was not the primary account holder. they should know that and i think they were trying to see of i would just pay it off. one customer service representative told me it was on my credit for ten years but wouldn't effect my credit. i think this is totally unprofessional terrible business on their part for what seems to be their way of doing business in quickly reporting customers to credit bureaus with incorrect reporting. Also, i have contacted EXPERIAN who has this reported and it's nearly impossible to get them on the phone. they also will not correct the dispute. i find the credit bureau to be very difficult compared to transunion
Consumer complaint received 2021-01-30
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: United Consumer Finance, Inc. (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 2019-11-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (OK)

After submitting my first complaint yesterday XXXX, complaint XXXX, this company Way2Go prepaid debit card changed the fraudulent/unauthorized charges to a different amount. There are 5 consecutive fraudulent/unauthorized charges in the amount of XXXX from a company in XXXX totaling {$160.00}. They would not stop this fraud from happening as I requested when these charges were in pending status. Do a quick search on this company and the parent companies Conduent and XXXX and you will find class action lawsuits in multiple states for this exact issue. I would also like the XXXX dollars back that I was forced to pay to get a new card. I can not access my money until the new card arrives. Its their security breach that caused this not mine. They also need to pay me {$100.00} a day for every single day since they allowed these charges starting on XXXX. 

I did not use this card online, it is in my possession so the only way these fraudulent charges could have happened is either by this company making up charges and stealing the money or allowing their system to be easily hacked. 

Their dispute process does not allow for disputing an unauthorized charge unless a PIN number was used. Their dispute forms do not include disputing unauthorized charges unless your card was stolen. This is why they are getting away with robbing the state and federal governments and in turn robbing citizens. They do this with unemployment, child support, social security, VA benefits and any other state or federal distribution of funds to a citizen. Again, a simple quick XXXX search finds thousands of complaints exactly like mine and class action lawsuits. Along with documented proof that they do little to nothing to keep their system secure. Why no one has connected the dots is astounding.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery has refused my requests to validate and verify an account. I have made many responding requests regarding this to them. Portfolio Recovery has also completely ignored my cease and desists requests. 
Portfolio Recovery then took it upon themselves to report inaccurate, unvalidated, and unverified information to all 3 credit bureaus, leaving a damaging mark on my credit reports. Please see attached. 
Thank You
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This complaint is to addressed to XXXX to stop reporting addresses that were never my domicile. The ONLY address that this bureau should be showing in my current address : XXXX XXXX  XXXX # XXXX XXXX, GA XXXX
Consumer complaint received 2021-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2018-02-09
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: Penn Credit Corporation (MI)

Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my XXXX   credit report in the amount of {$1500.00}, and also on my XXXX credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (VA)

On XX/XX/20, I made an agreed payment arrangement made with Netcredit. Since the agreement, payments have been made on time, but is being reported as delinquent as if no payments are being made. I've contacted Netcredit several times about issue, but nothing is being done. I'm trying to purchase a house and this one thing with this company is hindering me. I've also filed several disputes about this matter, but nothing has changed. I need them to report to the credit bureaus, XXXX and XXXX that payments are being made and are being made on time.
Consumer complaint received 2021-06-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The following accounts are not mine and i need them to be removed from my XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX  XXXX XXXX XXXX This is not mine 2. Identity Theft XXXX XXXX XXXX  XXXX XXXX XXXX This is not mine XXXX. Identity Theft BK OF AMER XXXX This is not mine 4. Identity Theft XXXX XXXX This is not mine
Consumer complaint received 2021-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (AL)

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2018-02-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Capital One account is a business account, but the account shows up on my personal credit report. I asked over the phone to delete the account from my personal credit. They agreed that this should not be on the personal credit report and said they would change it, but they never did for about six months. I only provided the company ID, but somehow they have reported to credit bureaus using my personal SSN. It is Capital One 's fault that this account is reported to credit bureaus as a personal account. 

Capital One account # : XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX, President
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

Chexsystems, Inc obtained and provided my consumer report to a 3rd party without consent on XX/XX/XXXX with information obtained by XXXX XXXX new business membership department with XXXX XXXX XXXX XXXX at the same address. XXXX XXXX sent a notice of adverse action to my job. All three of my credit files has a security freeze with a fraud alert. I did not personally apply for any loans or credit with XXXX XXXX XXXX and/or XXXX XXXX. I reactivated my membership with XXXX XXXX in XX/XX/XXXX.
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, I would like to complain about paypal again. how is it fair to just take my funds without even notifying me. They withhold my money for months and they just took it without any second thought. My email account is XXXX. is it possible for me to have my funds back. this is unfair.
Consumer complaint received 2018-02-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with trans union, and XXXX and Im only getting a reply that the information was updated.
Consumer complaint received 2018-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (WA)

I have been a customer for 4 years now with Chase, on XX/XX/XXXX they charge me a {$75.00} Legal Processing Fee, that made my account balance go negative, then they kept charging me fees because my account went negative. When I called Chase, they told me they would have to transfer me to their legal expert and I was kept on hold for extended periods of time until they eventually hung up on me. They are also not allowing me to close the account either. 

XXXX XXXX - was the manager who is made the decision.