davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I AM VICITM OF AN IDENTITY THEFT, WHICH MEANS THAT THE TOYOTA MOTOR CREDIT ACCOUNT IS FRAUDULENT AND NOT MINE. SOMEONE STOLE MY INFORMATION AND OBTAINED THIS FRAUDULENT LOAN, THIS ACCOUNT IS NOT MINE, I HAVE NEVER OBTAINED A LOAN FROM TOYOTA. I AM NOT RESPONSIBLE FOR THE PAYMENTS FURTHERMORE I HAVE NOT MADE ONE PAYMENT TO TOYOTA. THIS IS NOT MY ACCOUNT
Consumer complaint received 2022-02-02
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-11
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: Consolidated Information Services Solutions, LLC (GA)

I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Universal Credit Servi XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (IN)

In XXXX I went through a mortgage modification. The modification was a FHA-HAMP modification agreement. Under this agreement, HAMP states that lenders are supposed to report all payments as on time and paid in full. Village capital honored that until XX/XX/XXXX. 
I fulfilled all requirements satisfactorily. My trial agreement was from XX/XX/XXXX until XX/XX/XXXX and no payment in XX/XX/XXXX. XX/XX/XXXX the modification would be effective. 
In XX/XX/XXXX I reached out to Village Capital about this issue. I received a call from the underwriter that there is an error and it would be corrected. A week later I received a letter in the mail stating that their reporting is accurate and they will not update my payments to on time and paid in full, including some new payments made on time after my modification was effective. They have breached the HAMP modification reporting and also have breached the notarized contract that was signed. Currently they are reporting to XXXX  and XXXX  12 missed or late payments.
Consumer complaint received 2022-09-18
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. 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 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

LIST OF INACCURACIES FOUND ON EXPRIAN COMPARE 3 CREDIT REPORT : ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE-ACCOUNT TYPE INACCURATE { SHOWS AUTO LOAN & INSTALLMENT } ACCOUNT BALANCES- INACCURATE PAYMENT STATUS- INACCURATE SHOWS CURRENT XX/XX/XXXX ON EXPERIAN AND THEN XX/XX/XXXX SHOWS CURRENT, WAS PAST DUE 30 DAYS, AND ON XXXX SHOWS PAID OR PAYING AS AGREED PAYMENT HISTORY- INACCURATE REPORTING { IN XX/XX/XXXX SHOWED NO 30 DAY LATE PAYMENT FOR XX/XX/XXXX, IN XX/XX/XXXX IT NOW SHOWS A 30 DAY LATE PAYMENT FOR XX/XX/XXXX. 
TERMS- INACCURATE ... REPORTING 86 MONTHS XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Consumer complaint received 2020-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

This is a police report that goes along with complaint number XXXX. I have filed a police report, report number XXXX, with the XXXX Police Department regarding my Identity Theft. I have attached this report to this complaint. 

XX/XX/2016 I had my identity stolen and there was a Kohl 's credit card opened in my name. I have filed an Identity Theft Report with the Federal Trade commission, as well as the XXXX Police Department. 

I'm requesting that Kohl 's immediately remove this from their system as well as the 3 credit reporting agencies ( XXXX, XXXX  and XXXX  ).
Consumer complaint received 2020-06-04
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

I notified Regions bank that I was going through a very tough time with the business and COVID but were were coming out of it. I lost employees and tons of business due to the coronavirus, I have always have a plus XXXX score and paid my bills on time. 

Recently, the credit card with them got to the limit and I paid what I could and they told me they wouldnt report bad credit. I made payments every month, including XXXX, XXXX, and XXXX payments in XXXX. I recently sent them {$900.00} two days ago. 

I am very upset they flagged my account as 90 days past due when it is clearly not. Under the cares act, they are supposed to help consumers get back on track, Because if this unfair credit reporting during a pandemic, my score has plummeted. Now the sba has granted us a loan for the business which we need to keep everyone employed, and my personal score is too low. 

The account should never have been closed or reported 90 days late. The fees Regions has collected from my business account has been though the roof with no relief at all during this tough time. I am attaching screenshots of payments made throughout the month.,
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2018, I received notification that a collection account had been reported on my credit report. I mailed a disputes letter to the credit bureaus to validate my debt with company XXXX XXXX XXXX on XX/XX/2018. The company never responded within the 30 days allowed to responded. I have yet to receive the information as well. This is hindering me from receiving adequate living arrangements. I have no knowledge of this company or any debt owed to them. I am asking that they be removed from my credit report due to non compliance of submitting the information within a timely manner. I have not received the credit bureaus paperwork with whom they spoke with at the company or proof of debt.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: The Receivable Management Services LLC (TX)

To whom it may concern : I have reviewed my credit report and see that your company has listed an account on my credit file with A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. 


Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. 

Please provide the following : 1. Detail of what the money I owe you is for. 
2.How the amount you claim I owed was calculated. 
3.Copy of your agreement with the original creditor. 
4.Provid me with physical papers papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my stat, including the number and registered agent. 


Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. 

If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. 

Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. 

If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (GA)

I contacted Nationwide recovery service on XX/XX/2022. 60 days ago regarding an alleged debt with XXXX. They never responded. I called them XX/XX/2022 and informed them that by law they had 30 days to respond to my dispute. I no longer am interested in them sending me any information I am requesting complete deletion of this account, and for my credit reports to be updated. The amount was for XXXX I specifically asked them to send the following Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you The representative informed me that they can not send me a XXXX authorization. That is because I never gave them the authorization to obtain my medical files. They are not a medical provider, only a collection agency. The representative hung up in my face
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AE)

I have never received any investigation results from the credit bureaus regarding the accounts I listed even though I have sent them letters multiple times : XXXX XXXX Account # XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( Original XXXX XXXX 01 XXXX ) Account # : XXXX | XXXX XXXX Account # : XXXX -- XXXX XX/XX/21
Consumer complaint received 2021-05-03
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: EQUIFAX, INC. (IL)

On XX/XX/2021 I was notified by my credit protection agency that XXXX XXXX XXXX XXXX issued a HARD INQUIRY on my credit history with Equifax. 
I believe my SS # has been hacked because a few months ago some one filed an unemployment claim in my name with the state of Illinois Unemployment Insurance. 
I contacted The XXXX XXXX XXXX asking them to provide proof that I was the individual requesting their Credit Card but they weren't able to prove it. 
One of the facts that proves fraudulent intent is that the application to open a XXXX XXXX Credit Card account was denied due to : Unable to verify information. 
Based on the above mentioned facts I reached out to Equifax requesting the removal of the HARD INQUIRY but they refused!
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC (FL)

Rec'ed in the mail, at my work addr : U.S. Federal Courthouse, Southern District of Florida , a letter showing that I owe almost $ XXXX to XXXX and this company was attempting to resolve the debt. I have no XXXX Accts and all new accts must be approved by me in advance. Additionally, the mail was sent to the job addr and not my home addr shows it to be fraudulent. Wrote a letter disputing the acct and that I have filed a compliant with you. Mailed dispute letter.
Consumer complaint received 2021-06-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

My mortgage is serviced by NewRez/Shellpoint. My XXXX XXXX resulted in an almost a XXXX surplus refund check. My escrow monthly payments also went down about {$200.00}. When I received my XXXX XXXX, it shows my escrow balance is negative by almost XXXX. 

Here 's why : My XXXX XXXX was based on taxes of {$790.00} paid in XXXX which was prorated and land only. NewRez didn't review the tax assessment documents or closing docs to see that my property taxes was actually estimated at {$3300.00} a year My Property taxes increased by about {$500.00} for XXXX My Hazard Insurance increased by {$700.00} due to a water loss So basically NewRez lowered my escrow payments and refunded " surplus '' just to tell me I now owe almost XXXX and the shortage will be added to my already increased mortgage payments if i can't pay it in full. So my monthly payments went from {$1500.00} to almost {$2100.00} a month
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (PA)

I have been separated from my husband since 2018. I had to renovate an apartment for my young son and I with no financial aid from my husband. I have been using the Lowes credit services. I have not missed a payment for a year. The company applied all payments to the balance and not deferred interest. Therefore when the deferred interest hit, it took my payments from {$50.00} to {$300.00} a month. As a single mom working for a XXXX XXXX, I can not afford these payments. My husband refuses to help and is dragging out the divorce I filed for 2 years ago. Lowes refuses to assist me in a payment plan.
Consumer complaint received 2022-09-17
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XX/XX/XXXX {$8500.00} SENT DISPUT LETTER XXXX XXXX  XXXX XX/XX/XXXX XXXX SENT DISPUTE LETTER
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

This follows my first complaint ( complaint ID XXXX ) against Bank of America filed with the Consumer Financial Protection Bureau ( CFPB ). Two employees of the Bank hiding behind the fake names of " XXXX XXXX '' and XXXX XXXX '' told me that my accounts and credits cards were compromised. To fix these accounts and credit cards, they asked me to move my money to new secure accounts they will established in the Financial Fraud Prevention Department of Bank of America based in Michigan. The Bank did not seriously investigate my complaint but rather engaged in a futile exercise which consists in reviewing my bank of America checking accounts. In an email dated XX/XX/2021 to XXXX XXXX ( see attached Exhibit titled " Response_XXXX_BankOfAmerica_XX/XX/2021 '' ), I made the case by providing several critical clues that " XXXX XXXX XXXX and " XXXX XXXX XXXX are employees of the Bank in the Financial Fraud Prevention Department based in Michigan . Therefore, to properly investigate my complaint, the Bank must send a skillful player to the Fraud Prevention Department in Michigan to audit the work done there and identify the two persons behind these fake names. " XXXX XXXX '' is a XXXX male and " XXXX XXXX '' is a XXXX  female. " XXXX XXXX '' is an Officer in the Fraud Prevention Department and the boss of " XXXX XXXX '' who works directly with him. My request for the Bank to audit the Fraud Prevention Department was dated XX/XX/2021 and was acknowledged by Ms. XXXX XXXX in an email dated XX/XX/2021 ( see attached Exhibit titled " Response_XXXX_XX/XX/2021'' ). Both XXXX XXXX and XXXX XXXX are Senior Resolution Specialists for Regulatory Complaints at Bank of America. Today is XX/XX/2021 and so the Bank has received my request for an audit for exactly two months and eight days. The purpose of this follow-up second complaint is to ask Bank of America to provide me with the results of that audit. To confirm or refute my claim that the two scammers are employees of the Bank, the Bank must carry out this audit of the Financial Fraud Prevention Department based in Michigan. I made it clear in my request that should the Bank refuse to carry out the audit, then it must reimburse the totality of the money stolen from me by these two scammers. A total of {$200000.00} plus accrued interest on the {$68000.00} gift card charges sitting on four of my credit cards. The Bank must respond to give me the results of the audit now.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (UT)

Credit Acceptance is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on there. I have spoken to the attorney general of Utah and have confirmed that this is past the statute of limitation in UT. I no longer owe this debt and Credit Acceptance can not bind this debt to me or try to collect on this debt. I ask that they remove it immediately as this debt is no longer owed.
Consumer complaint received 2021-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (CO)

Calvary Portfolio Services LLC contacted my mom XXXX XXXX XXXX XXXX and shared personal info about my debt, used robo calls sent to her phone ( that is on a do not call list ), and threatened a lawsuit against me to her if i didnt pay my debt. They also called my grandma ( XXXX XXXX XXXX and discussed my personal info and debt with her as well.
Consumer complaint received 2020-11-22
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. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.