davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
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. (CA)

i have spoken to XXXX XXXX XXXX, several times and also Experian, the credit reporting agency who is reporting this inaccurate information on my credit reports. i have sent the XXXX XXXX. XXXX letter for which they have approve of removing this inaccuracy but experian is not cooperating. ( hence attached ) i need help to prove to them the delinquency on the XXXX XXXX XXXX XXXX, ( XXXX XXXX ) is incorrect and that needs to be update to Experian. i would greatly appreciate your prompt attention in this matter. thank you
Consumer complaint received 2018-06-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In XX/XX/2017 I returned a leased XXXX Prius and purchased a XXXX Toyota Rav 4 from Toyota Financial via the XXXX XXXX Toyota Dealership in California. A few weeks ago I received a phone call from a collection agency ( XXXX XXXX ) that I owed Toyota Financial {$580.00} for " excessive wear and tear '' on the Prius. I asked what the charges were for and requested a report. Three weeks later I received a report saying that the charges were for " floor mats '' and a " second key. '' At the time I purchased the Rav 4, the salesman at XXXX XXXX Toyota, XXXX XXXX, removed the floor mats and took them out of the Prius. Charging me for these is unfair given that I returned the Prius with the floor mats and had no idea I was going to be charged some ~ {$210.00} for them. Secondly, I called the sales man and told him that I didn't have the second key and he said it was fine. There was no mention that I would be charged {$370.00} to replace it. But aside from all that, I never received written notification that this was an outstanding bill before being notified by XXXX. I have a current car loan with Toyota Financial and have electronic notifications activated on my online account through which I paid my Prius and pay my Rav4 car payments. I have a perfect borrowing history. I never received any notification through my online account. In fact, the account balance still says {$0.00}. I also never received a single phone call. I never received a paper notification. Now, XXXX is threatening to report this and damage my credit unless I pay the balance. So I am because I feel threatened. Toyota Financial has behaved unfairly, has been deceptive by not notifying me or communicating in the manner by which I have elected via our online communication agreement, and is being abusive by threatening me with damage to my credit score. I feel that this is wholly unfair, unethical and a violation of fair lending practices. Further, due to the lack of communication about these charges, I was never given the opportunity to contest or reconcile the charges with Toyota Financial before being sent to collections.
Consumer complaint received 2020-10-20
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. (NY)

I am writing because one company placed a mark on my credit report which I wish to dispute. Please let me know how I owe you money since I have never heard of your company before. I dont recognize this debt and even if I do owe it, I certainly dont owe this much. There must be some kind of error in your calculations. Please provide me with proof that I owe this debt and who owns the debt that you say that I owe. 
I demand that you contact the credit bureaus and let them know that I dispute this debt. I hereby insist that you stop all attempts to contact me by telephone. Also, send me copies of what you send to the bureaus when you notify them that I disputed this debt.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (GA)

CASE NUMBER : XXXX XXXX  Cardmember service representative I received a letter from XXXX and it is questioning whether I want to continue with reversing the fraudulent charges made on my card. My answer is yes. I did not make any of these charges : XX/XX/XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX Auth : XXXX  Payments {$19.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$14.00} XX/XX/XXXX Usps.com Postal Store XXXX Mo {$810.00} XX/XX/XXXX XXXX XXXX Pmts XXXX XXXX {$16.00} XX/XX/XXXX XXXX XXXX Pmts XXXX XXXX {$120.00} XX/XX/XXXXXXXX XXXX Pmts XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXXUsps.com Postal Store XXXX Mo {$730.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$23.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$8.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$54.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$29.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$32.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$12.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXXl Wa {$7.00} XX/XX/XXXXXXXX XXXX Pmts XXXX Wa {$8.00}XX/XX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XX/XX/XXXXXXXX XXXX Pmts XXXX  Wa {$99.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XX/XX/XXXXXXXX XXXX Pmts XXXX  Wa {$260.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$590.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$150.00} XX/XX/XXXX XXXX  XXXX Ny {$160.00} That is my final answer. You should be ashamed making me wait for my money this long.
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (IN)

I communicated and sent a letter on XX/XX/year> to Southwest Credit System LP, requesting them to cease and desist all mediums of communication, including my credit report which is a medium of communication. However, in XX/XX/year>, they violated US Code 1962C by reporting a derogatory account on all three of my credit reports. This derogatory mark severely impacted my credit score.
Consumer complaint received 2017-06-21
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: Experian Information Solutions Inc. (TX)

I sent a letter over to Experian for investigation into the accuracy of the information that has resulted in a public record Bankruptcy. They sent a reply back within 6 days, when a proper investigation takes up to 30. I contacted the Federal court and they stated they do not verify any information over the phone. I would like Experian to provide me with verified proof. I also did a dispute with XXXX XXXX XXXX XXXX XXXX reviewed the bankruptcy information. Case or ID # XXXX the results are : This item has been deleted from the credit file. If you have, additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX. Attached is proof of this account being deleted!!! Please follow suit and delete this information as well. I formally request that the following inaccurate items be immediately removed from my credit report. This must be removed in order to show my true credit history, as these items should not be on my credit report.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/2021 I opened up a new line of credit through Synchrony Bank through the XXXX website. Purchase was for XXXX. 

A few days after a hold was placed on the activity. I called to try to resolve, they couldn't help until I received my physical card from them. 

On XX/XX/2021 I received the physical card. One I was able to speak with the bank they informed me they put a hold on the transaction due to a discrepancy. They stated that I had two purchases on my account of XXXX and XXXX. I told them the XXXX was mine and I claimed that transaction. The XXXX was not mine and was a fraudulent charge. 

They then proceeded to close my account, cancel my card and reissue me a new account and card. However the report through the Fraud Agency stated that I had requested the XXXX transaction as " fraud '' and did not mention anything about the XXXX transaction. For whatever reason the bank no longer saw the " XXXX '' transaction within my records. 

This was a misleading event. My bank told me about two purchases, I said one was fraudulent, they deleted for whatever reason from their records the fraudulent claim and then said I said the XXXX transaction was fraudulent, which it was not. I cancelled the fraud investigation, but now I have wasted a week for a purchase I was willing to make and pay off. 

This is blatant incompetence and potentially damaging to my credit which I did not deserve to receive. I completed all the appropriate actions to ensure a smooth transition but the company was nowhere able to support the needs and mislead me on what had occured and how it was recorded.
Consumer complaint received 2017-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have sent multiple letters to TransUnion. I received a copy of my TransUnion credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX XXXX. XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I was taking class as part of the Small Business Administration 5- XXXX to introduce my health drink XXXX. An orientation was hosted by XXXX XXXX, president of SBA. I took class from XXXX of XXXX to XXXX of XXXX to learn about how XXXX could help me in my health drink business. I was introduced to XXXX, an intake specialize at SBA and he was going to help with my health drink business. Then I was introduced to a Consultant whose name was XXXX XXXX. He is one of the instructors who is supposed to help me find a warehouse because I need space. XXXX XXXX and I were supposed to have a launch party in XXXX of XXXX. I was broke around XXXX and XX/XX/XXXX and started looking for a loan. I was knot of where that i receive the loan their were [ problem. I went to my bank in Late XXXX to cash a check. That's how I found out that I had money XXXX in my account. I was expecting some kind of paper promissory note.Then I would receive money in my bank account. 
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Consumer complaint received 2017-06-21
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: Experian Information Solutions Inc. (MS)

I have sent multiple letters to Experian. I received a copy of my Experian credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have one parcel id number and two addreses XXXX and XXXX XXXX XXXX XXXX XXXX XXXX have been paying my mortgage regularly for almost ten years on time. I do not want to loose this property i want to work something out like a modification agreement which sometimes they agree on doing that and sometimes they say they are going to foreclose.I got a letter last year that said my payments on each heloc was going from XXXX to XXXX/m each.This is when i stopped paying cause they told me i needed to do that in order to recive my modification.They asked me to make a payment XX/XX/XXXX on each so i did to Bank of America.loan number XXXX XXXX and loan number XXXX XXXX.I sent them everything asked for checks tax returns bank statements profit and loss statements you name it they have it more than once from XX/XX/XXXX.They have an incredible lack of understanding any of it. My relationship manager XXXX says ooh dont worry everyone else says nothing is happening and they hired an attorney to foreclose on me they say XXXX and XXXX some lawyer in florida.They have underwriters that will not talk to me and they are the ones that dont seem to get anything now so much time is going by im very worried.I have a XXXX son with XXXX so from XXXX years old i spent a fortune on doctors.They kept sending me documents saying the modification on both loans are being worked on but i dont think so by the way other managers who answer the phone has explained to me.This is a horrible situation.
Consumer complaint received 2017-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: First Investors Servicing Corporation, Atlanta, GA Branch (OH)

Loan was sold from original lender to 1RST Investors servicing corp out of XXXX, Ga. cfpb is very familiar with them. The original lender graciously moved my due date to my payday. When 1rst Investors bought loan then refer back to original contract and are now dunning me for being late because there customer service rep said the are required to honor only the original due date. I have never missed a payment-ever. Now they want a double payment.
Consumer complaint received 2022-09-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

I was in foreclosure the only option the lender told me I had was to do loss mitigation. I started that on XX/XX/2022 and they just kept dragging it and dragging it until I got a sale date. I dont think that that was fair to me and my kids. I was out of work for covid and wasnt able to pay anything. Every little bit I received I had to pay other bills as lights and water. So now they sold my house and my lender brought it and I have no options and no idea what to do except me and my kids be on the street. That lender is Cardinal Financial
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Last week I received a telephone call from someone trying to collect a {$29.00} outstanding balance on a Kohl 's Department store credit card. I do n't remember when the account was opened, but it was only a couple of months ago while I was making a purchase. On XXXX XXXX a payment came out of my checking account in the amount of {$100.00}, representing what I thought was the balance on my account. I was surprised that I was receiving a collection call and I informed the caller that had not received a bill for this outstanding amount. When the caller checked the records, he noted that their system had the wrong house number and a misspelled street address - a reasonable explanation for not receiving my statement. Thinking that this might have been some type of fraud, I informed the caller that I would call Kohl 's myself and made a payment over the phone. The {$29.00} was debited from my account on XXXX/XXXX/XXXX. My concern is that when I received my updated credit report yesterday, my credit rating dropped from good to fair because of the negative information posted by Kohl 's. I think it is unfair, but I am not entirely sure if there is anything I can do to have this information reversed. Any help you can provide will be appreciated.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, checked my credit report and I noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit reporting agencies to remedy the situation and they would not help me remove these fraudulent and inaccurate accounts
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC (HI)

X/XX/17 I received a Court Document Notice of Appearance of Co-Counsel : Certificate of Service -dated X/XX/2017 from In the District Court of the First Circuit Court XXXX Division State of Hawaii about Notice of Appearance of Co-Counsel- regarding a  debt from XXXX XXXX XXXX . ( Which said company does not appear anywhere on any of my credit reports ) I have never received any communication about this debt from XXXX XXXX XXXX and or Johnson Mark LLLC, - Lawyers listed on XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Also Listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( with this law office ) This is my first notification about this debt collection- Again XXXX XXXX XXXX does not appear anywhere on my credit reports- so what debt are they collecting for -- -- I am preparing to send a certified priority letter ( hopefully to mail out XX/XX/XXXX ) to them about verification of said debt - under Federal Trade Commission 15 U.SC, 1629g Again I have never received any communication about this said debt and this collection company.
Consumer complaint received 2017-06-21
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. (IA)

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XX/XX/2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

Equifax has made an error on my birth date for some reason. As a result, impartial information appears on Equifax, with mortgage information missing, many, many accounts are missing, which put my credit rating lower at XXXX when it actually is above 800. 

I have called Equifax several times since XXXX. XXXX. Most recently in early XXXX. Each call was more than an hour. Each time the representative assured me it was fixed. It was not. 

I opened an online complaint with Equifax and sent my driver 's license, social security card and whatever they requested. They closed the dispute and said it was resolved. It was not. 

They all agreed Equifax had somehow changed my birth date from XXXX to XXXX and they needed to correct that and merge my files. It is still not done. 

XXXX I sent a detailed letter to Equifax Information Services, XXXX. XXXX XXXX, XXXX, Ga. XXXX. I wrote exactly what the representative told me to and again sent my driver 's license and Social Security card. No response. 

My final call was last week and after working with the representative for over an hour, he said the files were merged and it was fixed. It is not fixed.
Consumer complaint received 2017-06-21
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. (IL)

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX and XXXX XXXX, all non-account holding inquires such as XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I Have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX, IL XXXX ; have never worked at XXXX XXXX, XXXX XXXX XXXX XXXX. Account to be added XXXX XXXX # : XXXX