davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I had several XXXX XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Prior to my account becoming late, I contacted the Toyota Financial. I was told that I would be able to put the payments that I would miss on the end of the loan, so my account would not go late and would remain current. I was assured by the representative this would not result in me being reported late. It would however, result in my loan being extended. I agreed with the assurance that my credit would not be late. Nevertheless, I was given the wrong information, and Toyota reported my account late. I have tried the last 8 months to no avail. I was duped into extended my loan and the item being reported late on my credit.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I discovered an unauthorized inquiry on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the listed inquiry down right away. 
XXXX XX/XX/2023
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

XXXX will not dispute the information as they said it was verified called the creditor and it was not true the statement from the creditor states the account was venever reported fraudently ever to them I asked them to recent documents unfortunetley they will not do that anymore and they have placed a permanent internal lock on my account that is volating my rights they also sent me a letter stating that my dispute was made by error no error I want them to block all the information I am disputing and if the deny the need to provide accurate documents of verification of the debt I dispute the claim against me, asserting my rights under FCRA and TILA. Without written agreements, I question the validity 623 ( a ) ( 6 ) of the Fair Credit Reporting Act As a victim of identity theft, I request evidence to substantiate the claim.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 2022-09-03
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. (GA)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re- verify each of these items, and that the inaccurate/fraudulent items be deleted from my record. The following Items are Not Mines/Identity Theft and it appears on my XXXX, XXXX, and TransUnion Credit Reports . Also, I have been a victim of the XXXX data breach. All is being investigated by the FTC, According to FCRA 605B, this information must be blocked immediately until the investigation is over. 

. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Crown Asset Management, LLC, Duluth, GA Branch (NC)

I paid an debt, and in the attached email I have downloaded for your review stated it would be updated in XXXX days, that was XXXX months ago. I called in today XXXX to XXXX times asking to speak to a manager after several attempts to have this removed from my credit report. The woman I spoke to refused to give me her name, and also transferred my phone call to a company that was not crown asset manager. I later found that she transferred me to the company that was hired by them to settle my debt. I had already spoken to debsty, who stated that reports are generated at the end of the month, and crown asset management received the settlement letter within the XXXX days, and it was up to them to contact the credit bureaus to give notice that my debt was settled. They have yet to act on their part in contacting the credit bureau. If this is not taken care of I will file lawsuit against them in this matter for reasons that I will research on why I am able to file a lawsuit. I made her aware that I had already spoken to debtsy, who has since changed their name to XXXX, and asked to speak to a supervisor on every phone call. she refused, and transferred me to debtsy. I would like every phone conversation listened to from me to her line, and I would like disciplinary action taken against her. I should not have to go through this just to have a debt cleared up that is already taken care of.
Consumer complaint received 2017-03-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America does not allow cash deposit to be posted to the account one deposited after XXXX through the ATM, but they are allowed to post checks and other payments after XXXX resulting in overdraft fees. For instance on XX/XX/2017 my account went into overdraft by XXXX bucks, I deposited XXXX bucks into my account at XXXX to bring my account balance to XXXX bucks. Low and below I got an alert saying saying the my account fell again to XXXX bucks after XXXX due to a monthly payment that I forgot but was unable to do anything about it since as I said earlier that cash deposits after XXXX are counted for the next day. I was subsequently charged XXXX overdraft fees totaling XXXX bucks because of there posting practices.
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (WA)

I filed for divorce in XXXX of XXXX  which created financial separation from my XXXX. In XX/XX/2021, she fraudulently docusigned my name to a lease at XXXX XXXX XXXX. I never consented to the lease, signed the lease, or visited/used the property. It is in XXXX XXXX and I live in Washington. The debt was sold to Hunter Warfield who is now trying to collect the on the debt. Their number is XXXX
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had gone to XXXX XXXX to buy sofas. The woman at XXXX XXXX had made an error in an ottoman and had cancelled one part of the purchase and billed us again. Bank of America has flagged it as fraudulent and we agreed, not recognizing the charge. Our debit card was called and the funds for the sofas were held in limbo, the bank saying that it had gone through but then XXXX XXXX saying they had not gone through. XXXX XXXX then wanting us to charge our card again. Finally we cancelled the purchase but while waiting for he XXXX to be credited back to our account, our account was in the negative and we had XXXX overdraft fees. This was complicated by XXXX charging us for a move and then canceling their charge. We thought then we had more effective funds and they charged us again.
Consumer complaint received 2024-02-23
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. (FL)

Equifax refuses to remove two authorized user accounts from my credit file. These accounts are credit cards from XXXX and XXXX XXXX XXXX XXXX. According to law, I am not legally responsible for these accounts and they should not be reported at my request. I have disputed 3 times, and the accounts come back as verified. I request that Equifax follows credit reporting law and remove these accounts.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am requesting that the CFPB assist me in getting Bank of America to make good a " stale '' check for {$1400.00} that the MBNA credit card company mailed to me in XXXX and that I then promptly misplaced for ten years. I probably thought then the small perforated letter was on the order of a notice of my pin number or a {$2.00} rebate check. Bank of America bought MBNA in XXXX. I contacted Bank of America in XXXX and they did nothing worthwhile, either at the bank branch or over the phone. Neither MBNA nor Bank of America sent the money to the Abandoned Property Fund in New York or Delaware. 

I spoke by telephone with XXXX XXXX of Bank of America on or about XXXX XXXX, XXXX about this matter. She telephoned me. She works at the XXXX dealing with " underwater '' mortgages. She was of no help, not her job. 

I am requesting that you try to get Bank of America to make good on this MBNA bank check. I ca n't figure out why the finds on this uncashed check did not go to the New York Abandoned Property Fund, which would have saved me a lot of trouble. 

Thanks for any assistance you can provide.
Consumer complaint received 2022-09-03
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. (IL)

I have XXXX accounts that I have no knowledge of and have Identity theft reports filed on. They have been removed from my other credit reports from the two other bureaus. Transunion refuses to send me documentation to see how this information was verified, and also continue to allow this fraudulent information to be posted on my credit report. Resulting in my credit being impacted negatively. 

The accounts are XXXX XXXX for {$1000.00} XXXX XXXX {$530.00} I want these accounts removed from my report immediately before I pursue legal action. 

Also the XXXX XXXX XXXX account is also fraudulent and I want it removed as well. If you ask any of these debtors they wont be able to produce any paperwork where I agreed or had any knowledge of these accounts I want them all removed immediately The information from Transunion doesnt match the other information from my other credit reports which according to FCRA is illegal to have inaccurate information reported to my credit report.
Consumer complaint received 2021-09-03
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. (VA)

The Department Of Education along with Experian have falsely reported on XX/XX/XXXX on 3 separate accounts as current collections as of XX/XX/XXXX. This information is completely incorrect and inaccurate as these accounts were opened on XX/XX/XXXX, went into default in XX/XX/XXXX, were paid in full before collection and are almost 7 years old. This new information as Experian is calling it dropped my score 62 points! This is an outrage and completely unacceptable. Considering that a creditor reporting false or inaccurate information on a credit report is illegal I need all 3 of their trade lines permanently removed from all 3 credit bureaus effective immediately. I am consulting with my lawyer on damages on this matter pending removal.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

My report contains information that should be deleted due to settlement with the original creditor, a third party agency refuses to remove their mark even after I proved to them that I paid the debt, according to settlement with XXXX they placed a balance for collection after I settled the debt with them then they reported the wrong open date to keep it on my report, this is a violation of FCRA
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes due to multiple fraudulent credit inquiries. I contacted Experian disputing the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.
Consumer complaint received 2021-06-22
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: TRUIST FINANCIAL CORPORATION (NC)

I have had credit cards and installment loans, that are still opened, deleted off my credit reports. A Government Employee is the one that is tampering with my credit reports. 

This incident began in XXXX of XXXX and is still ongoing. 

My address is incorrect and my employment information was incorrect from XX/XX/XXXX until XXXX of XXXX. 

The XXXX XXXX XXXX in XXXX, NC is the responsible party. 

The only Credit Reporting Agency that has all my opened accounts is XXXX, however the balances are incorrect. 

Also, lines of credit and amounts owed were also Tampered with to lower my credit scores with all 3 Credit Reporting Agencies.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: AMERICAN EXPRESS COMPANY (GA)

I Checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have contract with these people. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. Moreover, my credit report is not showing any dates at all. 
Public Record Details Reference Number XXXX Court -- Date -- Status -- Amount {$2700.00} Classification -- Type legalitems
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

This is in regards to Equifaxs data breach!!! They are directly responsible for my identity being stolen and are taking no accountability and are not compensating me for all the time Ive spent tracking down all my identity illegal use due to their data breach. From my prior complaints they are taking no responsibility and I lost close to XXXX dollars directly from their data breach from : Missing work : {$6600.00} Transportation time : {$450.00} Printing dispute letters : {$670.00} Hours on the phone : {$890.00} New phone : {$1100.00} Stress and Emotional well being : {$10000.00} They need to review my files I submit and answer the complaint properly. They are deflecting and being deceitful and are not compensating me for any of their negligence!!!
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (WY)

I last contact the CFPB on XX/XX/XXXX regarding fraudulent activity from my mortgage servicer Shellpoint. I had been applying for mortgage assistance but Shellpoint mortgage kept denying my documents with out a proper review of my financial situation. Following filling the CFPB complaint I received a response back from Shellpoint which can be found on the responses from the last complaint from XX/XX/XXXX. A response back from XXXX XXXX XXXX Department Shellpoint MTG XXXX stated the following : As requested, an assumption review was completed on XX/XX/XXXX. After review of the Probate documents provided it appears the interest in the home was divided with only half of the interest in the home being appointed to you and the other half going to four other heirs. Therefore, because you do not have sole interest in the property, we are unable to continue reviewing the loan for an assumption. In order for Shellpoint to review you for an assumption of the loan, you would need to have sole interest in the property. A Quit Claim Deed could be obtained from the additional heirs showing they no longer have an interest in the property. a foreclosure sale is not scheduled at this time. 

During my appeal period and working with Shellpoint in gathering the items they requested they have posted a foreclosure sale date on my home set for XX/XX/XXXX. I have recently submitted all documents on XX/XX/XXXX showing proof of what they requested and Shellpoint denied me on XX/XX/XXXX without again any proper review of my documents that they specifically asked for. During this time Shellpoint is direct violation of Dual Tracking Laws set forth by CFPB. I have attached all documents for review.
Consumer complaint received 2017-03-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (TN)

Homeowner 's policy was due on XX/XX/2017. Stonegate Mortgage did not submit the payment to the insurance company until XX/XX/2017. Today XX/XX/2017, I received a phone call from my insurance company stating that my insurance was in cancellation due to non payment. I have to pay {$330.00} out of pocket to keep my insurance active and will not be reimbursed until the insurance company receives the check from Stonegate. This is completely unacceptable way of conducting business to not submit my mortgage payment in a timely manner when the money is available in my escrow account.
Consumer complaint received 2020-06-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (AZ)

A few years ago, I opened an account with BBVA Online. However, the documents they requested did not get to them on time so they closed my account and locked online access.

A month ago I opened a new BBVA account. This last month I had nothing but issues with customer service and online support in getting my online access profile unlocked.

I have spoken with countless employees and no one is able to help me - one even suggested that I fax in my id, ssn card, and other personal documents to BBVA - which I have done. Still, I have not received a solution with this.

The last call I made, I was on the phone for an hour - and I was purposely disconnected.

All I know is that someone in BBVA had locked my profile from a few years ago.
Consumer complaint received 2015-10-08
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Direct Recovery Services, LLC (TX)

Only your failure to respond has resulted in your case being processed this call is to inform you that you have one full business day and which to rectify this matter, Please Advise you must call by XXXX to at XXXX XXXX You may Call XXXX again that is XXXX?
Consumer complaint received 2022-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX an email was received from Venmo stating " [ ACTION REQUIRED ] You did not have sufficient funds in your account to cover there payment of a dispute case. '' Venmo has restricted the account on the grounds that some type of item was purchased when the transaction is considered a gift as marked with a gift emoji. 

The company describes its service as making sending money safe, simple and social. Yet shows negligence when cases or disputed. I was even contacted by Venmo whom states the account is not even associated with its email address.
Consumer complaint received 2015-12-01
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Citi Management Group, LLC (TX)

I have repeatedly received phone calls on a loan I already paid off YEARS ago. The same harassing phone calls from different companies every few months. I ca n't get them to stop either changing their company name or selling a false debt to someone else. PLEASE help.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I received my first statement from Capital One XXXX the day before they called me last week. The due date was XXXX XXXX, 2016. They made me pay XXXX because they said it was late. The due date was XXXX XXXX 2016. They were late mailing the statement out then. I paid the XXXX late fee but if I do n't receive a statement then how do I know it is late then? I can not read their minds.
Consumer complaint received 2015-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Viking Client Services (SC)

I was contacted by my employer XXXX/XXXX/15 who informed me that XXXX XXXX of Viking Client Services, XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX Case XXXX had contacted them regarding a debt I allegedly owed regarding a rental car that I had been involved in an accident totaling the vehicle. It was a personal rental non-business related. They were trying to collect the debt thru or from my employer. I believe that XXXX had contacted my employer as well seeking payment of the debt and informed them of the debt and my damage to the vehicle. 
I do not believe either party should have contacted my employer and endangering my employment status. The rental was in no way business related and I have only recieved XXXX letter from this collection agency which I am in the midst of responding to but their very disturbing actions have precipitated this request for assistance.