davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA 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 2020-09-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

In XX/XX/2020, I sold my lease vehicle ( From Toyota ) to XXXX. XXXX subsequently mailed a check to Toyota Financial Services ( XXXX XXXX, IA XXXX ) and Toyota received the check on XX/XX/XXXX ( per XXXX ). It has been more than two weeks since Toyota has received the check, which is greater than the payoff amount. Thus, once they process the check they are supposed to send me a refund. In the meantime, I have to pay the car 's monthly lease until they process the check. 

During the week of XX/XX/2020 I contacted Toyota for a status update and was told that the check will be processed by Wednesday XX/XX/XXXX. On Monday, XX/XX/XXXX I called for a status update and was now told that the check will be processed during the week of XX/XX/XXXX. During all my calls, I was told to not make the lease payment that is due on XX/XX/XXXX ( I have call transcripts as evidence of this ). 

Based on the constant delays, Toyota is trying to avoid processing the check for some unknown reason. I have been a Toyota Financial client for 4-5 years and it is ridiculous that Toyota Financial is lying to their long-term client about check processing dates. Theoretically, the week of XX/XX/XXXX can become the XXXX, then XXXX, and so on. 

I am asking Toyota to process the check with all deliberate speed and then issue my check of {$220.00}, since the check they received from XXXX is larger than the outstanding lease by {$220.00}
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

I have applied to Comenity Bank for the XXXX XXXX XXXX. Each time I apply they run my credit and hit me with a hard inquiry. At such time they claim I have a freeze. I do not have a freeze or any block on my reports. Each letter I have received in the past has a different excuse and when I call they tell me something different that contradicts the letter. On the last application in XXXX they have never sent to me any correspondence for this application. But when I call they claim I have a freeze. Once again I have no freeze. 

I am middle eastern and was born in XXXX and was born XXXX. I have asked them several times do you have a problem with my background? They won't answer. 

Each manager I get transferred to won't help me, they listen to me and them tell me to re-apply ion 30 days. 

This is such harassment and is causing me additional time with the credit reporting agencies to validate my reports with them.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M. G. Credit, Inc. (FL)

This bill is showing on credit report as collection when it should have been submitted to my dental insurance company! I have paid the bill just so that I can get this removed from my credit report and am requesting a payment for deletion due to the fact that I have insurance which definitely covers dental cleanings! Why this was not submitted to the insurance company is beyond me but I am tired of going back and forth about this! It's shame that consumers PAY FOR INSURANCE but for some reason providers are not using the insurance!
Consumer complaint received 2019-05-29
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. (AZ)

XXXX and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 4 and 10 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2023-01-28
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. The list of accounts below has violated my rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1682 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crimes witch antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TX)

Hello, I have been having an issue with Experian in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. 

XXXX XXXX XXXX Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XX/XX/2020.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

XXXX on XXXX XX/XX/2021 I have Mr. Cooper mortgage for years now. On XXXX XXXX XXXX I made an additional payment of $ XXXX towards my principal. More than 4 days - it's not reflected in the Amortization schedule ( Amortization schedule is not even visible ). Even after so many additional principal payments, Payoff calculator is way off and it still shows XXXX maturity date while it should start showing something like XX/XX/XXXX/XX/XX/XXXX as the initial date. There are lots of discrepancies on their website to reflect the balance and total. When called customer service on Friday and also chatted - i was assured of fixing this - but no fix till this point of time. Customer service there is a long wait. Auto bot doesn't let customers talk to the real person. 
Finally after a lots of follow-up I got the amortization schedule via email but it is not reflecting another additional principal payment of {$4700.00} made on XX/XX/2021. 
I did numerous chats and phone calls. Why i should depend on inefficinent humans to see my revised amortization schedule? 
Why the online amortization schedule is not visible now? 

Worst thing, after turning on escrow account, there is no transparency. Amount of escrow account is not in sync with all the sections of my online account. It seems that there are too many internal buggy systems in Mr. Cooper and everybody from different IT department is showing a different $ $ figure at various places. 
Highly inefficient organization.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

A collection account was added to my credit report in early XX/XX/XXXX. I believed the account to be inaccurate so I disputed the account with TransUnion. Subsequently, the account was deleted from my report in XX/XX/XXXX. In XX/XX/XXXX, the same collection account for the same balance was reinserted on my credit report with the notice to me, as required by law. Please investigate this account. The attached documents show the collection account ( XXXX Balance {$500.00} ) as currently listed on my credit report and as it was deleted in XX/XX/XXXX.
Consumer complaint received 2021-09-14
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. (AL)

I have disputed with Equifax several times by mail and several times by phone about the public record showing on my report its the chapter-XXXX bankruptcy.I have asked how does Equifax verify Equifax first stated through the courts witch is not true then Equifax said through a third party called XXXX. So i went to the courthouse and spoke with the clerk she stated that the courthouse does not release information to third party companies such as the credit bureaus or XXXX then i called and wrote XXXX they stated that they get there information from XXXX know my rights and the FCRA rules/laws.Equifax is supposed to contact the actual furnisher witch would be the courthouse.This is false reporting and i want it removed from my credit report immediatly! Also the reporting date is incorrect its reporting XX/XX/2015 that is inaccurate information on my report witch calls for deletion.Another thing is my XXXX account along with other third party compaines are frozen so its no way equifax is veryfing through XXXX i will attach documents along with this for proof.
Consumer complaint received 2021-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MA)

Mortgage Servicer The Money Source FHA loan Attorney General of Massachusetts involvement Forbearance option due to Covid 19 pandemic This issue arose in XX/XX/2020. The Money Source steered me into the wrong direction that profits them substantially and did not give me the option to pay back my missed payments. I contacted my AG for Massachusetts. My AG took an extended period of time trying to resolve this issue. I found this was a calculated effort because I found out from the AG himself that he was a mortgage servicer in the past, so I feel this is blatant conflict of interest. Plus it is hard to pursue much now because he knew that drawing out the time, it would make it more difficult for me to make a case of my own with my own counsel. Now I have a forbearance option that I was forced into by my servicer, an AG that helped their process, which makes it harder for me to refinance. 

XXXX XXXX
Consumer complaint received 2020-08-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OK)

I have honored my agreement to pay {$10.00} a month every since I advised the actual loan company and their corporate home office of the minimum payment that I could afford to pay based on being affected with the effects of corona virus/covid 19.
Consumer complaint received 2023-01-28
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA 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 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (FL)

I am writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

Date it started XXXX XXXX & they took XXXX and the company said they couldnt do nothing since the transaction was done online and there was no errors or mistaken done. But I never did the transaction
Consumer complaint received 2022-01-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (OH)

On XX/XX/XXXX i sent in a Cease to stop with drawling from my bank on XX/XX/XXXX XXXX responded advise it was honored. on XX/XX/XXXX Money Lion still with drew XXXX out of my bank and tells me my email was placed on another account that's why payments were not removed and now they can not refund my money after i spoke to a gentlemen who told me it was approved to be refunded i have all the documents proving i sent in a cease and it was placed on the wrong account
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

My due date for my XXXX XXXX  issued XXXX credit card monthly payment was XX/XX/18. On the evening of XXXX, approximately XXXX, I logged on to make my payment. Although I did not know this at the time, the company has an XXXX EST cutoff to schedule same day payments, so I was forced to pick the following day as my date, so I was charged a late fee. When I called the company, they admitted that I have an excellent payment history with them, so they said they would take off {$15.00} of the {$27.00} fee. I replied back that the entire fee should be removed as I was not late with my payment- they said their policy was to " never remove late fees. '' This is a deceptive and fraudulent practice- by removing any portion of my fee, they are admitting fault. Why aren't they able to remove the entire fee? They are able to, they just don't want to.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (OR)

Montgomery Wards is an online store. Ginnys and XXXX XXXX are all 3 sister companies. Down to the account numbers. XXXX XXXX has sent me a letter stating they found my account was found to be opened fraudulently, but Ginnys and Montgomery Wards do the same.
Consumer complaint received 2020-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I made a mobile deposit of of my XXXX 401 ( k ) Required Minimum Distribution check ( {$22.00}, XXXX ) to my Bank of America checking account on XX/XX/2020. I received notification on my BOA app that the funds would be available on XX/XX/2020. I next received another notice that there was a " Deposit Hold and the amount ( {$22000.00} ) would be delayed and available on XX/XX/2020 at XXXX. '' I telephonically contacted BOA on XX/XX/XXXX and complained about the deposit hold. I was asked by the customer representative, " Why do you need the money? '' I responded that it was my money. She told me the hold on the funds was for my protection and that of the bank in the event the check didn't clear, etc. I informed her that the check was from XXXX and not some third party check and additionally all these transactions are conducted electronically and not by mail. After being on hold for about 15 - 20 minutes she advised she had good news and had been able to release the hold and I would receive the funds on XX/XX/XXXX. 
I'm making this complaint not to resolve my situation but to make you aware of a banking practice which I believe is certainly unethical and possibly illegal. The bank has an obvious financial interest in not releasing these funds for as long as possible. Since I'm a XXXX XXXX XXXX and my wife is a XXXX XXXX XXXX XXXX, we had the expertise and experience to understand that this practice is not only unacceptable but possibly fraudulent. There's no telling how many unwitting customers are being deprived of their own funds because they may not have the aptitude or cognizance to complain to the bank.
Consumer complaint received 2018-07-12
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: BBVA FINANCIAL CORPORATION (TX)

XXXX XXXX system told me that I get a loan from pay day loan back in XX/XX/2015. It was check to cash in Compass bank. I told them that was not me, if I got a balance from the creditor why they don't send the bill to my house or call me. They never send any bill or call. I am buying a house, trying to get a pre approve letter that is how I find out from my loan office told me. I need it to remove from my credit report.
Consumer complaint received 2017-08-28
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. (GA)

I was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me. 

CREDITOR : XXXX XXXX XXXX Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).