davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

I got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an immigrant that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to r4turn the car, she said they ( Toyota Financial ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( Toyota Financial ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments. 

I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.
Consumer complaint received 2018-04-04
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. (NY)

i have disputed this with the credit bureaus 3 times i have contacted the bank ( XXXX XXXX XXXX XXXX ) over 20 times over a 3 month period starting inXX/XX/2017 when i had the loan originated with fm home loans who you bought it from there was supposed to be 4 months of reserves. 3 days before closing the terms were changed by the underwriter and i was not informed.

after XXXX XXXX XXXX XXXX bought the loan i had assumed this went through. i did not receive in XX/XX/XXXX, XX/XX/XXXX orXX/XX/XXXX stating that my payment was due. in XX/XX/XXXX i received a tax bill from my town and a mortgage bill. i call XX/XX/XXXX and asked why i received the bills and if there was money in escrow to pay it, I WAS TOLD YES THERE WAS. inXX/XX/XXXX i received the 30-day late notice from my credit report and immediately call XX/XX/XXXX to find out what happened. they explained that there was no money in escrow for mortgage and that when i was told there WAS they were only referring to the tax bill. I IMMEDIATELY PAID ALL 3 MONTH OF BACK MORTGAGE TO CLEAR UP THE MISUNDERSTANDING.

The 30 days late was not my fault, it was not XX/XX/XXXXfault but a tragic misunderstanding by both parties and i should not be penalized for this. I have provided documentation from both the originating bank ( fm home loans ) and emails stating this.

the only response i get fromXX/XX/XXXX is " we looked into the matter and believe the reporting is correct ''
Consumer complaint received 2022-01-12
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. (NY)

Good afternoon - I had filed complaint # XXXX. I missed the deadline for any updates. XXXX XXXX XXXX is still showing my payment status is delinquent even though Experian had said they will be updating this.
Consumer complaint received 2022-01-12
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: WELLS FARGO & COMPANY (CA)

On : XXXX  XX/XX/2022 Wells Fargo denied me for the Second Time a Credit Limit Increase, on my Wells Fargo Active Cash Credit Card, just because I had a Couple of Months, using their Credit Card, by them.
Consumer complaint received 2018-02-09
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: Experian Information Solutions Inc. (FL)

I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE TO VERIFY THE ACCOUNTS I DISPUTED. 
PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU.
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

I have disputed this debt with XXXX XXXX XXXX regarding account # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( credit bureau results attached ), requesting proper verification of this debt. As of today, this item is still reporting negatively on my credit reports, however, proper documentation has not been received. I have attached what they provided as debt verification ( something I could have typed up myself ). The other account they were reporting has been deleted from my credit file, yet this account keeps coming back as verified, please provide the documents being sent to the credit bureaus as verification.
Consumer complaint received 2022-10-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services (MS)

Have had numerous phone calls from Lenmark loans, They are located in XXXX XXXX XXXX They keep calling to try and collect a debt from an employee that works for me. I have asked that they stop calling my business and they continue. I have asked to speak with a manager and they hang up. When I called back they said the manager is out and have refused to speak with me. The employee that made the loan is part time and is about to be fired because of the phone calls and other reasons. I would like to file a lawsuit if that is possible.
Consumer complaint received 2024-03-26
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Southern Auto Finance Co (FL)

Sacfo has not provided me with proper disclosures persuant to XXXX XXXX XXXX - XXXX of opt out notice to consumers ; opt out methods. 

I gave Safco clear requests to stop furnishing inaccurate information via recent complaints. Now that this company recognizes my cease and desist Safco still are not following the XXXX laws of the FDCPA & FCRA acts. Safco continue to affilate share my personal infromation on public servers, platforms, and websites. Other violation include : - Charge off accounts by law should be no income reported. A charge off is considered income by the IRS. Ive never received a XXXX company. Company received profits from account. 
- No transactions or experiences are allowed to be on the consumer report. 
- Income is forbidden to be on the consumer report pursuant to XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) -A debt does not have to be paid to be removed from a credit report pursuant to Fair Credit Reporting Act XXXX XXXX XXXX. 

I have the right to recisson pursuant to XXXX XXXX XXXX. Before damaging my creditworthiness Safco should have taken first dispute as clear indication. 

- This is a charge off account by law there should be no income reported. A charge off is considered income by the IRS. Ive never received a XXXX you. You received profits from this account. 

-No transactions or experiences are allowed to be on the consumer report income is forbidden to be on the consumer report XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) -A debt does not have to be paid to be removed from a credit report pursuant to Fair Credit Reporting Act XXXX XXXX XXXX XXXX 

Also I believe I was charged a XXXX XXXX forebidden by law. I have the right to arbitrary.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Amount on the loan is {$19000.00}. A Late payment, which is a transaction was reported on my Consumer Reports with XXXX, XXXX, and Experian 15 U.S. Code 1681a 2 ( A ), under Exclusions. That U.S. Code states : 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Late Payment is a transaction, and incurs fees. According to the U.S. Code 15 1681a 2 ( A ) ( i ), this transaction is not to show on my Consumer Report.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Upon reviewing an updated copy of my Credit Report, it is clear that the Credit Bureuas have done nothing in order to completely remove the items I previously disputed. I sent a letter to the Credit Burueas on XX/XX/2022 with intent of having the fraudulent items be removed from my Credit File. I have read that the Credit Bureaus are required to remove any accunts and information that a consumer identifies as an item incurred due to Identity Theft. The items I am disputing do not relate to any transaction that I have made or authorized, neither did I received any benefits from the theft. I am submitting this complaint in hopes that the Credit Bureuas woulkd eventually take action and have the items investigated and removed from my Credit File. The following items must be removed from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following 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
Consumer complaint received 2023-01-21
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. (KS)

My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of 1.Hich balance and 2. Last activity which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (TX)

The only time I know of the debt was when it showed up on my credit as collections. I have never contacted the company to open any line of credit. I have never received a statement that would have alerted me that an account was opened. This is all fraudulent and needs to be removed from my credit.
Consumer complaint received 2023-04-07
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Advantage Finance LLC (TX)

I am constantly being harassed about an alleged debt and what they're planning to do if I don't pay last date of harassment is XX/XX/2021 the date in which their default the letter says I owe them are incorrect. I inform the unidentified person who's calling me going by the name of XXXX to check with the IRS and the US Treasury concerning this debt. He continues to call me and see if I don't pay he's going to send it to legal whatever that means.
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

on XX/XX/2020 I started a dispute regarding to incorrect information been report on my credit report with follow up letters none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company Thank you!
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (SC)

I've been with American express since XXXX I never missed a payment or was late and I dont have auto pay for last 5 years I haven't missed a payment on anything. Cc mortgage, loans etc ... 2 weeks ago I paid over XXXX on a payment to American express 2 weeks after that was over XXXX payment o balance went to XXXX used card and was denied 2 days later got an email about changes to my cc where they denied purchase and dropped my limit to XXXX was XXXX i called them ask them why and can't get straight answer so I told them cancel my card if thas how I'm gon na be treated after a superb history so they didnt XXXX na cancel card wanted me to speak to the team that deals with this so I agreed and for them to second look my accout to see why I was treat like this they want copy of my assets tax form or we do t see why they need all this 2 years had card never this wrong what they did
Consumer complaint received 2020-10-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE NOW ASK THESE COMPANYS TO DO THE RIGHT THING BECAUSE MY INFORMATION WAS STOLEN AND MISUSED THIS MESS HAS HURT MY LIFE AND FAMILY LIFE I NEED THESE ACCOUNT REMOVE ASAP
Consumer complaint received 2020-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Flat Six Holdings Inc. (OH)

I borrowed {$600.00} initially from XXXX  XXXX. I paid the loan off on XX/XX/19. I owed {$400.00} at the time and paid {$470.00} and change to pay it off. It had a XXXX  balance as of that day. Now they are charging additional interest and say I owe fees for keeping the line open. I told them it was closed when I paid and didn't reborrow. There isn't a principal balance to accrue interest or fees on beyond the payoff day. They want me to give them an additional {$140.00}. They said you can pay off anytime, but are trying to collect interest and fees on a XXXX  balance. They were taking fees every other week for keeping the line open. When I paid it off there is no basis for fees or interest after the fact.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I made a purchase with my chase card to a merchant. The item was said to be delivered in one month. After 5 weeks, I filed a dispute due to a manufacturing defect. A week later, the merchant said they had the item but cant ship it because I filed a dispute. I contacted chase and told them what the merchant told me and they told me to close the dispute. I closed the dispute because I trusted the bank would keep me in their best interest. A month later, the merchant said they did not receive their money even though I saw it on my credit card. 

I called back another month later on XX/XX/19 to reopen the dispute. 

The merchant said it could take 60 days for the money to appear and for the item to then ship. 

2 months later, I asked for an update. They said the dispute was never reopened and that I had to pay {$140.00}. 

The supervisor, XXXX, in XXXX XXXX said I have never called. 

I hung up, and spoke to XXXX, another supervisor. She said she could see that I called on XX/XX/19 to check on the dispute but it was never reopened. 

Now that this time has elapsed, they claim I am responsible to pay for the item because of the negligence of their agent to not reopen the case.
Consumer complaint received 2022-08-17
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (TX)

I do not have a contract with RMP. I have asked for validation from this company and have not received one that answers the questions that I have asked. They have only sent me letterhead documents that say that I owe a debt. I have disputed all RMP accounts with all 3 credit bureaus that have shown up on my credit and the credit bureaus continue to state that RMP has validated the information but has not sent me anything that validates that the debt that they are reporting is mine. The credit bureaus have deleted most of the accounts that this company has placed on my credit report because they were unable to verify the accounts and provide me with the information that I requested. I am asking for validation of the account with signed Hipaa document that releases any medical records to this company and a copy of any medical records that this company states that they have. I have requested in writing via certified mail for the following information and still have not received anything I have contacted the following credit bureau ( XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 XXXXXX/XX/XXXX