davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

In XXXX of 2020 I preemptively contacted my loan company ( Toyota Financial Services ) in an attempt to take advantage of an extension program they had in place to deal with income loss due to COVID-19. This was not something ( according to their website ) that you needed to be approved for. As stated I submitted the form for the extension in XXXX for the XXXX statement period. They responded with an automated message of receipt of the form. When the XXXX payment came they did not contact me and I made the payment that month anyway but it was late as I knew it would be since my wife 's income was no longer available due to her loss of work. Everything should have been in order, as it was from my end. I only recently learned that they had reported this to the credit agencies and negatively impacted my credit. I have an elderly veteran father who is in need of different living arrangements so my wife and I are looking for a mortgage for a home that will accommodate the three of us as best as possible. This is a matter of personal health. Now it is going to be very difficult because of Toyota 's actions. I contacted them twice to resolve this issue. During the most recent conversation with their representative they stated they have all these records stored and therefore they could see that they did receive the form for extension and that it was marked as resolved and never processed. No attempt was made to contact me indicating the extension had not been processed and I was penalized. It also stated that the previous representative had not processed my claim about them retracting their report to the credit agencies. The letter I received in the mail after the final conversation was simply Toyota informing me they were within their rights and that they stand by their decision. They are now putting my fathers health in jeopardy as our current living situation is not conducive to his needs. I have done all I can and hope that with a little extra help they can be convinced to admit their fault and retract all negative reports. The situation they have placed me in is currently holding me back from properly applying for a mortgage that can allow me to provide for my familys needs during these hard times. Thank you in advance.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (MS)

On XX/XX/2021, I received an email from paypal saying that a recent transaction in the amount of {$600.00} was being reviewed due to a dispute that was filed that morning. Before I could even get home and read this email, i received another email stating that the case was closed and that they found in the other party 's favor and therefore my account would reflect a negative balance to the tune of {$490.00}, and demanded that I make a deposit to fix this problem that im just now hearing about. I immediately tried to call paypal, however, they have conveniently stopped answering their phones so you can not speak to a live representative at all. I sent an email and text message and all that got for me is a complete run around. They tell me that I cant even file a dispute until my account is back to a positive balance. And there are a ton of unauthorized transactions on my account and i can not get help from paypal at all. They were very quick to " investigate '', but didnt bother actually having a live person get in touch with me to get my side of the story, before closing the said investigation in favor of the other party, Charging my account with all this, and not even giving me an option to appeal. It seems to me that paypal feels as if they are Judge, Jury and Executioner these days. Thats NOT how America and our Democracy are supposed to work.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstate Collection Center, Inc. (VA)

On XX/XX/21 I submitted CFPB complaint number XXXX and i was told that the company needed authorization to move forward so, here I am again. There is unverifiable and inaccurate information on my credit report that was noticed recently. There are many reasons why this information should be deleted. FCRA FDCPA and Metro 2 compliance violations are just a few of those reasons.
Consumer complaint received 2019-08-16
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. (NY)

My credit reports from Experian, XXXX and XXXX are reporting missed payments for my XXXX Credit Card Account which is false. The two missed payments are dated on two separate occasions in 2019. These missed payments are false and need to be corrected, as they are impacted my credit worthiness. I have called XXXX and to no avail they are saying they are accurately and can not reverse. I have submitted a dispute with all three credit bureaus and are waiting for replies.
Consumer complaint received 2019-08-09
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. (TX)

I am trying to remove the XXXX  XXXX and XXXX XXXX listed on my credit reports. The XXXX   XXXX was discharged and XXXX XXXX has several duplicates and it has aged out
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am trying to remove the XXXX XXXX and XXXX XXXX listed on my credit reports. The XXXX   XXXX was discharged and XXXX XXXX has several duplicates and it has aged out
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My credit reports from XXXX, XXXX and Equifax are reporting missed payments for my XXXX Credit Card Account which is false. The two missed payments are dated on two separate occasions in 2019. These missed payments are false and need to be corrected, as they are impacted my credit worthiness. I have called XXXX and to no avail they are saying they are accurately and can not reverse. I have submitted a dispute with all three credit bureaus and are waiting for replies.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX STATE UNIVERSI XXXX
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CT)

I applied for a XXXX XXXX credit card through Synchrony Bank for {$35000.00} and was charged {$33000.00} for " project management and labor '' that a XXXX 's employee signed on my behalf without my authorization. I have a copy of the receipt. XXXX 's executive team has been contacted numerous times over the past four months requesting an accounting for the charge despite the fact that their employee 's may have violated the Fair Credit Reporting Act, The Equal Credit Opportunity Act, the Fair Debt Collection Practices Act and Electronic Fund Transfer Act. I am prepared to provide evidence of the this claim to CFPB, the FDIC and the Federal Reserve Bank. I have reported this claim to Synchrony Bank and XXXX 's as well as the three major credit bureaus. I am requesting all interest charges for the referenced account be reversed and credit to my account as well as all principal paid until the dispute is resolved. Going forward I will play all monthly payment in an escrow account until the dispute is resolved.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Concord Servicing Corporation (TX)

I have never been issued credit from Concord Financial nor have I ever surrendered property or had a repossession. However, I recently terminated a right to use timeshare contract that was executed in XXXX, XXXX XXXX that had a payment processing company in the United States, Concord Servicing, but I dealt directly with XXXX XXXX in XXXX to legally terminate the foreign contract and note according to their terms. I was told in an email, prior to termination, the the contract and note would be cancelled if the right to use documents were terminated. We have never used the XXXX timeshare due to recent events with COVID and international travel warnings.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

This company LVNV FUNDING LLC PURCHASED AN ACCOUNT FROM XXXX XXXXXXXX NOW THEY ARE CONSTANTLY SENDING LETTERS DEMANDING PAYMENT. i DO NOT HAVE A CONTRACT NOR DO LVNV HAVE A SIGNATURE FROM ME INDICATING ANY AGREEMENTS. I SENT LETTERS MONTHS AGO REQUESTING VERIFICATION OF THE DEBT THEY SAID I OWED THEM ALL I RECEIVED WAS A CREDIT CARD STATEMENT FROM XXXX XXXX I HAVE YET TO RECEIVE ANY VERIFICATION THAT I OWE LVNV LLC. I ALSO SENT CERTIFIED LETTERS TO ALL CREDIT BUREAUS THE COLLECTION WAS REMOVED AND PLACED BACK A MONTH LATER AND THE BALANCE IS STEADY INCREASING MAKING MY CREDIT SCORE DECREASE. I DO NOT OWE LVNV FUNDING AND I WANT THIS COLLECTION OFF MY REPORTS
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (PR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Dispute Pursuant to 15 USC 1681n Dear XXXX, I am disputing inaccurate information on my credit report as provided by XXXX XXXX. This notice is pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681n. 

I dispute the following inaccurate information : [ Clearly state the inaccurate information being disputed. ] I demand immediate investigation and correction of the disputed items as required by law. Failure to comply may result in civil liability under 15 USC 1681n. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolution. 

Sincerely,
Consumer complaint received 2022-10-10
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. (CO)

On XX/XX/22 I received a confirmation letter from XXXX XXXX stating they had submitted a request to all three credit reporting agencies to remove an account from my credit reports. 
In XX/XX/XXXX. I submitted a letter to XXXX, Experian to remove the account, along with the letter from XXXX XXXX stating that there was no amount owed and the request had been sent to the bureaus to remove this account. I also included copy of my credit report of the account, so they could reference the account. 

XXXX Has yet to even investigate this - Its still showing on my report as well as showing as a Derogatory account. The account should be deleted immediately. 

Experian- changed the account from derogatory to paid- did not even update the account to show there was a dispute, and the account is still showing on my credit report. This needs to be deleted immediately.
Consumer complaint received 2019-08-16
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)

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX STATE UNIVERSI XXXX
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports from XXXX, Transunion and XXXX are reporting missed payments for my XXXX Credit Card Account which is false. The two missed payments are dated on two separate occasions in XX/XX/2019. These missed payments are false and need to be corrected, as they are impacted my credit worthiness. I have called XXXX and to no avail they are saying they are accurately and can not reverse. I have submitted a dispute with all three credit bureaus and are waiting for replies.
Consumer complaint received 2019-08-16
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. (CA)

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

ACCOUNT XXXX XXXX XXXX
Consumer complaint received 2019-08-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

The first point of contact was with Loan originator XXXX XXXX on XX/XX/19and started a streamline loan, which the assumption it would take about 3 weeks to finish. On XX/XX/2019, through XX/XX/2019, I realized I was not going to close on time was told to pay  my mortgage and I did with late fees. Was sent a piece of information by email stating I was in the process of closing my loan but given several closing dates. The last person of contact was XXXX on XX/XX/19 with a scheduling date and time of XXXX XXXX ( XXXX ) XXXX in the scheduling department, spoke to XXXX in the Recovery closing team department ( XXXX ) XXXX, he never gave me a direct line to call just told me my closing disclosure forms would be in the email by the close of the day on XX/XX/19. Spoke to XXXX XXXX this same day and she told me XXXX was working on my file her number is ( XXXX ) XXXX. Received an email from XXXX XXXX and her phone rang stating she was at home all week ( XXXX ) XXXX never got a chance to speak with her at all. Have been given the run-around and getting frustrated due to the closing dateXX/XX/19. Need correct answers and documents before closing so there will be no surprises on the closing date.
Consumer complaint received 2021-12-02
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF OMAHA (NE)

I had an account there in which i accessed in XXXX. They allowed a man named XXXX XXXX to not only steal XXXX XXXX dollars out of the account but transfer this account to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX holds the account at their institution in a trust. The XXXX could of very well changed the TIN ON THE ACCT by now however the tax if number was under my daughters due to fraudulent activity by XXXX in regard to me. The account I believe was transferred to XXXX XXXX XXXX XXXX as early as in XXXX. First National is not showing any records other than a savings acct under my daughters social. They also deleted the transfer records and record of the account under this persons guudance. XXXX XXXX requires a medallion signature of several levels attained by XXXX XXXX at First National Bank of Omaha.
Consumer complaint received 2020-11-22
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. (MO)

I closed an account with XXXX XXXX back in XXXX. When getting ready to return all the equipment, I inquired about equipment that they had mounted/attached to the floor joists downstairs. The representative told me that I didn't have to return it as that equipment is no longer used with the upgraded technology. 

On XX/XX/XXXX, I received a collection notice from XXXX XXXXXXXX XXXX : # XXXX. I called them and told them I couldn't owe XXXX  anything because my account is on automatic withdrawal from my checking account and has been that way for two years. I then called XXXX and inquired about the collection. Finally after further investigation I found out it was for a modem that was attached in the basement. On XX/XX/XXXX, I returned that equipment to XXXX  Receipt # XXXX filed a resolution document with XXXX XXXX and provided all the information to them on the return. 

On XX/XX/XXXX, I contacted the credit bureaus and disputed the collection since it hadn't been removed. XXXX removed the collection. Equifax and XXXX have not. I think I provided enough information and justification to have this removed.
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

Coinbase Inc., advertised that a deposit made from a linked XXXX XXXX account via ACH transfer would be available in seconds. It has been 8 days since my {$1000.00} deposit has been withdrawn from my checking account, but it never confirmed by Coinbase. Coinbase simply stole {$1000.00} from me. Coinbase app and website crashes frequently and I 'm locked out of my account most of the time. I believe, coinbase is engaged in fraud and deceptive busines. All attempts to reach coinbase representatives were unsuccessful. The company did not respond to email, phone or webform requests for help.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Back in XX/XX/2019 I was made aware of the fact that DSNB Macys had been reporting me 30 days late to the credit bureaus as of XX/XX/2019. I had at the time been experiencing trouble with the United States Postal Service delivering my mail properly. As a result of my mail issue I never received theXX/XX/XXXX statement from Macys and was totally unaware that there was a small balance due. As soon as I became aware of the issue I paid my bill in its entirety and contacted DSNB Macys credit department to explain the situation, I spoke to a manager XXXX XXXX who advised me to obtain proof of the incident from my local post office. I did as requested and obtained proof in the form of a letter and faxed it to DSNB Macys. They denied the letter and the reasoning they gave me was that the letter was not stating that the post office was taking accountability. The letter was taking full accountability, but the supervisor I was speaking to asked me to get a second letter from the post office where they are confirming the incident. I have obtained another letter at a great expense of time and effort and have faxed it to DSNB Macys.  They continue to deny my request and refuse to accept letters from The United States Postal Service which is a Federal Regulatory Commission. I have provided proof more than once and have no other means of resolution and am requesting that you intervene.