davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Financial Services is reporting a {$1400.00} on my XXXX Toyota Financial Service lease account. The account number is XXXX with Toyota Financial Services. 

Toyota Financial Services has sold the balance to XXXX XXXX which is a debt collection agency. XXXX XXXX has reported a debt collection on my credit files with XXXX, XXXX  & XXXX. The balance shows {$1400.00} I called Toyota Financial Services on XX/XX/XXXX and verified with XXXX ( representative ) that the account balance now shows a {$0.00} balance with Toyota Financial Services. The balance and collection activity has now transferred to XXXX XXXX. 

However, Toyota Financial Services continues to report the {$1400.00} balance on the Toyota Financial Services lease account on my credit report with XXXX, XXXX, & XXXX. 

Toyota Financial Services needs to update the balance to {$0.00} with XXXX, XXXX, XXXX  since the debt has been transferred to XXXX XXXX. 

Currently, this is an FCRA violation as Toyota Financial Services is now reporting an incorrect balance since the debt has been transferred to XXXX XXXX. 

The balance should be updated to {$0.00} on the Toyota Financial Services lease account and should be updated on my credit report with XXXX, XXXX, and XXXX. 

I have attached the Toyota Financial Services lease account, on how it's being reported to XXXX, XXXX, & XXXX  with the incorrect balance.
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (PA)

I tried to write a letter asking for validation of a debt to Penn Credit. That mail was returned to me. Penn Credit is required by law to report 100 % factual data to the credit bureaus. My dispute was written to the address provided to XXXX. They obviously are not reporting factual data to the credit bureaus, their address is not even correct. Please help me!
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

Dear sir, We made a {$42.00} purchase using XXXX shopping card ( XXXX ) on XX/XX/XXXX. 
We never received invoice or email alert to pay in time. 
First printed bill we received in month of XX/XX/XXXX.

We talked to make payment with minimum penalty if applicable. Person asked us to pay {$100.00} as full and final payment including all penalties and interest and closed our account on XX/XX/XXXX. 
In month of XX/XX/XXXX we surprised by a letter received by their collecting agency. 
Call from unknown number talked for related debt collection and after that they registered with credit bureau. 
We request you to do needful and help us out from this unfair system of extortion. 
Thanking you. 

XXXX XXXX XXXX
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NCC Business Services, Inc. (GA)

I have a judgement on my account for ( evictions ). One was just placed on my account Overview You've paid off 0 % of your collection amount. 
Balance {$4400.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 11 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND ALSO Overview You've paid off 0 % of your collection amount. 
Balance {$3900.00} Highest Balance {$3900.00} Opened XX/XX/XXXX ( 5 yrs, 6 mos )  Account status Open Type Collection Account Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. 
I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which these two have not. I am requesting these two judgements be removed indefinitely. I have contated the credit bureau and distputed these as well with no resolution.

( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I just received a copy of my credit report and I found more hard inquiries that are unknown and fraudulent, I immediately contacted these companies and also called Transunion but they didn't help me. This is a very serious matter, someone has been using my credit and I need to have these fraudulent hard inquiries removed from my credit report. I very concerned about this, I just place a fraud alert on my credit report
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (TX)

Equifax failed me and 140 million other Americans in protecting our privacy information such as Social Security Numbers. Have these idiots ever heard of encrypting sensitive personal information in their databases?? Apparently they do n't care.
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am having issues with a freeze on my file that is holding up my credit from reporting my accounts properly. I have a XXXX XXXX and XXXX XXXX  account that is not reporting to my credit file. My name is XXXX XXXX SSN:XXXX DOB  : XX/XX/1992 My addition address is XXXX XXXX  XXXX XXXX FL XXXX XXXX
Consumer complaint received 2020-10-13
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. (VA)

Accounts keep coming back on to my credit report that was included in my bankruptcy case. XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX, COMMONWEALTH OF VA. I SUMBIT A DISPUTE, XX/XX/2020 TO THE COMPANY 'S AND ALL 3 CREDIT BERUES.
Consumer complaint received 2024-02-14
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. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 2021-11-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (ND)

Comenity Bank has called me 3 times so far today, XX/XX/21. I answered the 3rd call at XXXX CST and told the person to please not call me while I am at work, from XXXX. The caller told me that I could just put my phone on silent. I responded and stated that it is my right to request that I not be bothered while I am at work. The caller responded to this by saying " or you could just pay your debt and we wouldn't be calling you. '' I responded by stating that I was going to file a report for harassment.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the XXXX of XXXX b of a charge me and took my new XXXX $ for no reason. I have called every since XX/XX/XXXX. Only to be hung up on and no answer. After 8hrs on the phone daily. I need help. And also my remaining XXXX . The have stolen XXXX $ of my money and know one will answer there phone
Consumer complaint received 2021-11-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (TX)

I was sent to collections by my XXXX XXXX I negotiated the amount to settle the debt with the collections company and I paid the total amount owing in full ( got extra points added back to my account, negotiated no maintenance fees for the year and no other amounts as it would be considered paid in full ). 

Account was debited for the agreed amount XX/XX/2021. 

Now the account was reactivated with a new account number and I am getting daily and sometimes twice daily calls to collect an over due amount I didn't agree too for reactivating the account totaling a new collection amount of {$3900.00}. 

This was never disclosed, never agreed upon by any party between the company, nor their third party agent the collection company while negotiating the terms of the collection account. I did tell them to stop calling and they continue to call daily. 
The XXXX XXXX doing business as XXXX - XXXX XXXX
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (OH)

This account was opened by someone other than me. I have had it gone under investigation and erased from my credit report with XXXX. 
I am asking you to look into this fraudulently opened account- erase it from my credit reports as it was not me whom opened this account.
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (MN)

This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately :
Consumer complaint received 2020-07-15
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (TX)

The underwriting department did not know what they are doing and they are very sloppy and unorganized. They are very inefficient, always asked the same information twice. First they gave the excuse of waiting on revised appraisal. they received the appraisal XX/XX/XXXX then asked for my HOA insurance policy, I got it for them the same day then said waiting for Title clearance. Why don't they check all of that as soon as they received my application XX/XX/XXXX. The loan was closed XX/XX/XXXX, it took almost 2 months that is too long, The last, not the least they paid {$150.00} expedite fee for HOA statement out of my pocket without my consent. There is no reason for it and there is no rush for it at all. 


I files the above complaint with them, received a reply to aske me to call their care team, They do not even have such a team, My call was transfer to XXXX and he said would get back to me no later than toldy XX/XX/XXXX, but he did not.
Consumer complaint received 2018-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE (OH)

XXXX initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. Hence, as per Barclays, the incoming funds were rejected and sent back to XXXX on XX/XX/XXXX using  tracing # XXXX. XXXX says that they did not receive the rejected funds from Barclays and the tracking number provided is no good. Contacted Barclays many times but no one was of any help
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union need removed XXXX  XXXX XXXX docket # : number XXXX I never when through a chapter XXXX bankruptcy dismissed I want this removed off my credit report because it hurt my credit report history. And they post this twice on my credit -history on Trans Union this need to be removed I did file bankruptcy did not go through a bankruptcy chapter-XXXX this need to be removed off Trans Union .
Consumer complaint received 2020-04-30
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: Experian Information Solutions Inc. (NJ)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (DC)

On XX/XX/XXXX, I called Barclays XXXX XXXX  to request a downgrade of my Barclays Arrival Plus Mastercard to the banks no annual fee Barclays Arrival Card, noting that due to the Coronavirus I did not expect to be doing as much travel in the foreseeable future but would prefer to maintain my account with the bank, both to keep the rewards I had accumulated with the bank and to avoid the negative effect on my credit score that would come from closing a credit line. The bank representative informed me that the ability to downgrade to the Barclays Arrival Card required a special invitation and that they were unable to assist me with my request. I received the same response from the employee 's supervisor as well as another frontline employee when I called an additional time the next day. I do not understand why the bank is unable to assist me with this downgrade request, given that the option to downgrade a credit card product is something that is widely offered and available across U.S. financial institutions and typically does not require any special invitation. Even if Barclays bank treats this request in a manner out of step with the rest of the industry, Barclays refusal to consider what I believe is a reasonable request in this extraordinary time is incongruent with the bank 's public statements, where the bank has committed to working with consumers due to changes instigated by the Coronavirus. It also flies in the face of the bank 's pledge to U.S. lawmakers that it would offer additional help and flexibility to its clients during this pandemic.
Consumer complaint received 2021-07-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

In XXXX XXXX XXXX XXXX  stopped reporting to the credit bureau which caused my credit score to tank drastically. They have yet to report even after many attempts to get them to report. Credit bureaus will not allow you to report your mortgage even with verified payment from mortgage website.
Consumer complaint received 2022-09-11
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. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-28
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. (OH)

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX  provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity began 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

They deleted it from XXXX, but I realized it IS still on equifax. I tried to secure message them with no response. I sent a second message stating i would file a second complaint if it was not resolved. 

My loan was opened on XX/XX/XXXX according to my report. Date of first delinquency would be 120 days later on XX/XX/XXXX. Closed on XX/XX/XXXX. I have tried to dispute this and they keep telling transunion and equifax that its accurate. I have NEVER made a single payment to XXXX. It has been over the 7 year requirement. They legally have to delete this. I did the fresh start program and qualify for deferred payments for the first year through XXXX and I am currently paying XXXX a month on them. So the loan was transferred, but a transfer does not reset that clock. It already came off the other XXXX credit bureaus ( Exp and TU ). This is preventing me from accessing necessary credit that I DO qualify for. 

The day it was removed from XXXX I was approved for a new CC. 
I need this off of my equifax report as well.
Consumer complaint received 2020-08-19
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)

MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS THE ACCOUNTS LISTED DO NOT BELONG TO ME MY INFORMATION WAS STOLEN I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-04-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (UT)

I received notification of settlement to resolve a debt from IC System. On XX/XX/2020 I went online, entered the reference # XXXX noted on the offer and paid the amount offered to resolve the debt. ( XXXX toward a principal of XXXX ) A few days later I followed up online and the debt did not reflect my payment. I called customer service and assured them the payment cleared my account and gave them the confirmation # I received upon payment. After a moment, the representative stated the payment was applied to a different account. An account to which I had no knowledge. The account to which the payment was applied had time-barred debt. I believe the company knowingly mis-applied the payment in order to reset the statute of limitations on the old debt I was not aware of, in order to hold me liable for set time-barred account.
Consumer complaint received 2021-02-28
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: CITIBANK, N.A. (VA)

Best Buy has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act.