davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

This is an official complaint on Toyota Motor Credit. Approximately around the month of XXXX 2014 I traded in a XXXX Lease at the XXXX XXXX XXXX dealership. Upon communication between these XXXX institutions ( dealerships ) it appears that the payoff amount gathered was incorrect and grossly miscalculated. The amount supplied by Toyota Motor Credit to XXXX XXXX was short approximately {$6500.00}. At the time of the transaction taking place none of this information was disclosed to me as these XXXX entities communicated with each other accordingly as their processes are internal within the financial departments. Therefore, due to their lack of accuracy and efficiency I have an outstanding delinquent amount due that is being reported on my credit. I have made numerous attempts with the credit reporting agencies, along with numerous communications with both dealerships ( Toyota Motor & XXXX XXXX ) to no avail. This is seriously placing a blemish on my credit report and as a business owner this is also inhibiting future growth and expansion. 
Your prompt attention to the severity of this complaint would be greatly appreciated.
Consumer complaint received 2020-08-22
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)

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2017-02-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

On or about the last week in XX/XX/XXXX, I called Midland to pay my XXXX collections in full. They referred me to the Law Offices of XXXX XXXX XXXX. I called the law offices to obtain the payoff balance which was {$600.00} and made arrangements to pay it in full by XX/XX/XXXX. On Friday, XX/XX/XXXX, I called the law offices of XXXX XXXX XXXX and made a phone payment in full via my checking account in the amount of {$600.00}. The deb collector on the phone told me that a lawsuit had been filed, however, I had not been notified or served and she stated that the lawsuit would be dismissed and I would receiving a paid in full letter and also documentation that the lawsuit would be dismissed and removed from public record. 

Throughout the month of XXXX, I have been receiving daily robo calls from Midland attempting to collect on this paid in full debt. 

Yesterday, XX/XX/XXXX I pulled my credit report. XXXX is still reporting this debt as outstanding with a {$55.00} balance, even though it was paid in full on XX/XX/XXXX. 

Today XX/XX/XXXX, I called the Law Offices of XXXX XXXX XXXX, and was told that my account was paid in full. However, they have not dismissed the lawsuit and the rep on the phone refused to give me a time frame in which they would dismiss it. She said they would not vacate the judgement. She also said her office would not be sending a paid in full letter. 

I am reaching out for help because Midland has been in trouble with government and CFPB before for unfair debt collections practices. This is a debt that was paid in full that they are still attempting to collect on, which is negatively impacting my credit. 

Both Midland and Law Offices of XXXX XXXX XXXX ( which is just a shell company for Midland ), need to be held fully accountable.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2020-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-08-22
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)

I'm so done right now with this craziness hers is my police report that prove that someone stole my identity and this situation needs to be resolved I'm about to hire in attorneys, if these Fraudulent account is not removed from my credit ASAP I'm trying to be patient but I will sue these companies for allowing these fraud accounts on my credit theses Account need to be removed from my Credit
Consumer complaint received 2021-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (IL)

I was approved for a loan Modification in XX/XX/2020. The payment was $ XXXX monthly. All payments were made as scheduled on time. Out of nowhere I received a letter from the Mortgage company around approximately XX/XX/2020, stating the Mortgage will be increasing approximately {$2000.00} due to an escrow shortage. This is not because the property taxes or homeowners insurance went up significantly high. This is because, of a {$7000.00} shortage created during the loan modification. I have been trying to get help to resolve the problem in some kind of way and have not gotten any help or solid information from the Mortgage company. The new amount is a drastic change for my budget and now the Mortgage is behind again. Midland does not call back to follow up as promised. Ive made all the follow up calls and still made payments to avoid the Mortgage from falling further and further behind. This is an FHA Loan.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — Store credit card
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: SYNCHRONY FINANCIAL (PA)

Hello, this is XXXX XXXX Currently trying to refinance my home to save a few dollars a month and lower my rate through these hard times. Just a month or 2 ago my credit score was almost 30-40 points higher due to a XXXX balance on a Lowes credit card. We did not receive a bill since the beginning of the Covid pandemic. They claimed I havent paid since XXXX, which would be true since we havent received a bill. I thought my account was paid in full. Havent used the card this year as it was expired. I am looking for help removing this negative impact from my credit report. I dont have the best scores as it is but I do have good credit history. I really need help resolving this issue and I did call symphony bank who deals with Lowes credit, they have a store policy that they wont reverse anything negative on credit report is what I was told by 2 representatives. I would really appreciate some help in resolving this and eliminating it from my report. Thank you so much in advance.
Consumer complaint received 2020-07-21
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 wrote experian a letter regarding inaccurate information that I requested be removed. I got no reply for more than 45 days and sent a follow up letter. Under the Fair Credit Reporting Act they are in violation of the law. By law, they must correct or remove the inaccurate information that I put in the letter. I have attached proof of my identity, and the two letters that I sent Experian.
Consumer complaint received 2018-07-02
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. (TN)

1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, XXXX Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to XXXX Credit Bureau, XXXX XXXX, and Experian Credit Bureau. This was my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX/XXXX chXXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. Experian was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. dept of ed/XXXX, account number XXXX, with a balance of {$2500.00}. dept of ed/XXXX, account number XXXX, with a balance of {$3100.00}. dept of ed/XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). XXXX  Credit Bureau, XXXX  XXXX, and Experian credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of 1. My Full Legal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 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 Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: APEX Asset Management, LLC (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-08-22
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. (VA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2018-07-02
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. (TN)

1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade  Commission ) rules and regulations, XXXX  Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to XXXX Credit Bureau, XXXX XXXX, and XXXX  Credit Bureau. This was my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX/XXXX XXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX  XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. XXXX was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. dept of ed/XXXX, account number XXXX, with a balance of {$2500.00}. dept of ed/XXXX, account number XXXX, with a balance of {$3100.00}. dept of ed/XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). XXXX XXXX XXXX, XXXX XXXX, and XXXX   credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).
Consumer complaint received 2020-08-22
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: Experian Information Solutions Inc. (OH)

This is my second request for removal of items that are on my credit report that do not belong to me. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted with regard to the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-22
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: Experian Information Solutions Inc. (NC)

MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I DID NOT OPEN THESE ACCOUNTS THEY DO NOT BELONG TO ME IT IS NOT MY DEBT I am writing to request and initiate a formal complaint against XXXX, XXXX   and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-08-01
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 am extremely concerned due to the fact that my credit report has been compromised and I have disputed these items with the Bureaus and they refuse to remove the information. I recently got engaged and weeks later I was diagnosed with XXXX. I not only disputed these charges but I also sent proper verification as I had access to it at the time. This has been a nightmare for my family and I. Please help me get these erroneous accounts from my report.
Consumer complaint received 2017-06-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (NC)

OnXX/XX/XXXX XXXX XXXX delivered a pay-off of personal line of credit. This has not been cashed by receiving bank yet. We have contacted numerous people and have been given conflicting statements. Where is the pay-off check that has been delivered? XXXX provided a confirmation that the check had been delivered ( on-line banking ). Sent to address on the statement.
Consumer complaint received 2020-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Used Capital One credit card to purchase XXXX XXXX flight from XXXX. Flight canceled by airline ( Covid-19 ). Flight credit from airline for later transportation unusable by me. And XXXX unreachable via phone after repeated attempts. My claim for reimbursement declined by Capital One, after reaching out to them by letter twice. So I want a fully refund for the flight I purchased, but never received through no fault on my own. 

Credit card charged {$940.00} on XX/XX/2020 for XXXX XXXX XXXX XXXX booking XXXX XXXX  ), purchased from XXXX XXXX Itinerary # XXXX ).
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (VA)

On XXXX XXXX XXXX, Chase sent me a emails stating a Change to my Account Terms for each of my credit cards. These terms changes stated that ( among other things ) I have to settle any disputes through arbitration, unless I mail them a written letter that I do not agree to arbitration. 

Why should they be able to send this notice via email, but to decline I have to mail a written letter for each of my accounts?