davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (VA)

I checked my account and noticed a fraudulent transfer and immediately notified my bank ( AXOS BANK ) and it took them over two weeks almost 3 weeks to tell me that " no error has occurred '' and that they are denying my claim and not even letting me appeal their decision. I am not sure what's going on but they have also lied and made up things that I have not said quoting that I told them that the other bank which my money was transferred to was going to refund me which I never ever said!!!!! It seems like they are not trying to resolve my case or look into it whatsoever and they are just trying to keep the money that was stolen from me which I do not understand. At this point AXOS BANK is just as bad as the criminals and thieves that steal money from other hard-working people. I have asked over three times to speak to a supervisor or manager and nobody has once bothered to even call me and each time I call they tell me no supervisor is available which is complete XXXX!! Customer service is literally non-existent and they act like me losing my {$350.00} is very normal which to me is kind of odd because I thought your bank was supposed to try to protect your money... not let people steal it and then tell you there's nothing wrong with that at all! I would highly suggest to stay away from this Bank unless you want them to rob you and smile in your face or let someone else rob you. I will be filing a police report against the bank itself and also about the fraudulent transfer. I am beyond DISGUSTED with this bank and I don't believe there is a worse financial institution out there!! Please never leave EVEN A XXXX of your money with this Bank unless you like having your money taken from you!! SHAME ON YOU AXOS BANK..SHAME ON YOU!!!
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Renton Collections Inc. (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the account, RENTONCOLL, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-04-09
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

I filed a chapter XXXX bankruptcy in XXXX and it was fully discharged XX/XX/XXXX. I reassumed my lease with Toyota and have never missed or been late on a payment throughout the life of the loan. I have been completely iced out of my TFS account since XX/XX/XXXX ( when I filed ) and Im directed to call if I have questions about my account. Around XXXX I realized Toyota stopped reporting to my credit in XXXX so Ive made multiple calls to Toyota. They advised they didnt know my bk discharged so they couldnt report and to send them papers proving it, which I did the same day. Ive called multiple times since then and they still have my TFS account reporting the same way, one of the representatives I spoke with told me to dispute it through the credit bureaus to get the proper reporting. So I took that advice and disputed the reporting with the credit bureaus which has now resolved. Instead of Toyota updating the balance of the loan and reporting my timely payments, they simply reported the loan as paid in full on XX/XX/XXXX. Clearly not the case since Im still paying nearly $ XXXX. 

Furthermore, Toyota financial will not provide me an accounting or statements showing the balance of the debt. So not only will they not appropriately report to the credit bureau but they will not provide me ( the creditor ) any information on the balance of the loan.
Consumer complaint received 2021-01-29
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. (TX)

See new attachments. Two XXXX XXXX credit cards ending in XXXX & XXXX were stolen at same time, used, and then fraudulent payments were made to continue using and exceeding the credit limit. See attached Sheriffs report. The cards were not being used and stolen out of my office and it was understandably that it took a while before I was aware. XXXX XXXX  is not prepared to handle multiple successive fraudulent payments like a bank putting a hold on deposits. XXXX XXXX closed my accounts on same day, then charged off at same time, and then did a fraud investigation months later. On XX/XX/XXXX, XXXX XXXX was pleased to inform me that the dispute for card ending in XXXX, was found in my favor and XXXX XXXX credited {$3100.00}. On XX/XX/XXXX XXXX on card ending in XXXX, XXXX XXXX found no signs of fraud. On XX/XX/XXXX, XXXX XXXX agreed there was incorrect information on credit report for the same card and they asked the credit bureaus to remove the account from my credit report. 4 days later on XX/XX/XXXX, XXXX XXXX said they found no signs of fraud on the same card ending in XXXX.???????? This is ridiculous! Both cards were listed on sheriffs report and canceled at same time by XXXX XXXX. XXXX  XXXX is very unorganized and holding consumers responsible before they hold themselves responsible. I thought I was bad with 32 '' flood waters, XXXX, and theft, forgery, fraud, but XXXX XXXX is worse. Both cards were stolen at same time and both cards need to be removed from my credit report. I am attaching AGAIN the letters referenced above plus the XXXX Sheriffs report, the fraud affidavit, information on XXXX XXXX XXXX who was listed on Sheriffs report. AT THE LEAST, investigations should have been performed much earlier allowing me to keep cards instead of having a lump sum due that I can not afford. I called today because after almost 4 years I was very frustrated. I wanted to know if the was a manageable amount that I could afford and pay. It was an amount that I could not afford living on XXXX XXXX. I was informed that the settlement amount is automatically generated by a computer that hasnt any guilt of wrongdoing or any feelings or emotions. How sad. I am XXXX and had XXXX treatments from XXXX XXXX. I had 32 of water during Hurricane Harvey a month after filing the sheriffs report and I am still not settled. I should still have the cards with 700s credit and faithfully making payments.
Consumer complaint received 2020-05-10
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. (TX)

AFTER APPLYING FOR A HOME MORTGAGE, I WAS HORRIFIED TO DISCOVER THAT THERE WERE SEVERAL ITEMS THAT DID NOT BELONG TO ME. I REACHED OUT TO THE THREE MAJOR BUREAUS TO NO AVAIL AND ALSO TO THE COMPANY REPORTING THIS INACCURATE ACCOUNT. IT MUST COME OFF.
Consumer complaint received 2021-11-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The BK OF AMER account is incorrectly and fallaciously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please examine and erase it from my personal credit file.
Consumer complaint received 2021-05-02
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-11-17
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXXXXXX 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 2020-06-04
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: Experian Information Solutions Inc. (PA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX XXXX   ), ( Original Creditor : XXXX XXXX XXXX ), ( Original Creditor : XXXX XXXX  ), ( Original Creditor : XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (NC)

I am writing to bring to your attention a serious violation of my consumer rights by Rooms to go which has recently placed a collection on my consumer report without adhering to relevant laws and regulations overseen by the Consumer Financial Protection Bureau ( CFPB ).

Under the provisions outlined in 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to validation information from any collection agency that places a collection on my consumer report. Despite my repeated attempts to obtain this information from Rooms to go, they have failed to provide it, thereby disregarding my rights as a consumer.

Additionally, according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been provided with an opportunity to dispute the account in question. This failure to afford me this right is a clear violation of the regulations set forth by the CFPB. 

Furthermore, it has come to my attention that XXXX XXXX is engaging in deceptive practices, including false and misleading representations. Such actions are in direct violation of my consumer rights and are unacceptable. 

Moreover, it is imperative to highlight that Rooms to go/ Syncb has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This action is in direct violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

Furthermore, I have reason to believe that Rooms to go is in violation of the statute of limitations set forth by the state of North Carolina. According to North Carolina state law, debts are subject to a statute of limitations, beyond which creditors or collection agencies can not legally pursue repayment. Syncb/Rooms to go actions may constitute an attempt to collect on a time-barred debt, which is unlawful under North Carolina statutes. 

I am deeply concerned about the impact of Rooms to go/ Syncb actions on my financial well-being and my rights as a consumer. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate enforcement action against rooms to go/syncb for their violations. 

Enclosed you will find copies of relevant correspondence and documentation supporting my claims. I am also available to provide any further information or assistance necessary to facilitate a thorough investigation into this matter. 

Thank you for your attention to this urgent issue. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to ensure that my rights, as well as those of other consumers, are protected.
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (CO)

Debt recovery solutions / XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the XXXX 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.
Consumer complaint received 2016-09-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AmeriCollect (NY)

None of the options listed above describe the situation I had. My issue with Americollect is that I have never heard ANYTHING from them. I went to apply for an apartment and this was not a big enough deal for me to not get the apartment but they have had outstanding debt that they have never tried to contact me about for two years now and it seems to have tripled in size because of the delinquency. I am happily going to pay the debt as soon as their office is open, I am just extremely upset about the lack of an attempt to contact me in what seems like a blatant attempt to grow the size of the debt.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

I have disputed this fraudulent account with EQUIFAX for months now. They have violated my rights and continue to do so! I don't understand what EQUIFAX is doing with my records but they are using my information and furnishing fraudulent information to harm and damage my reputation. On XX/XX/2021 I notified EQUIFAX by post mail of the information needing to be deleted immediately. I got a confirmation from EQUIFAX that the account had been in fact deleted. I received this confirmation TWICE! See exhibit A for proof. I received a copy of my consumer report today, XX/XX/XXXX, and have found that EQUIFAX has AGAIN furnished this account on my report! I have never received any notice from EQUIFAX regarding this action nor did I ever authorize or give consent to EQUIFAX to furnish this information. THIS IS IMPROPER USE OF MY CONSUMER REPORT!
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (PA)

XXXX in equipment returned XX/XX/XXXX. As of XX/XX/XXXX according to XXXX customer service rep, XXXX credited my account {$1400.00} for equipment returned. XXXX did remove the debt from my credit but then sold the account to EOS CCA. I spoke with EOS CCA and they will not remove this debt from my credit report and they have it listed as a new collection when XXXX last reported XXXX XXXXAttached is a copy showing the equipment was returned and the last reported date from XXXX.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am a business owner who recently pulled their credit report to see several errors and in uncorrected account information. My correct name is XXXX XXXX XXXX please remove any mispellings of my name asap.The following addresses are not mine. Please delete ERROR : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX PLEASE DELETE THESE UNKNOWN CELLPHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-29
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-05-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MI)

On XX/XX/21, I noticed on the XXXX app that Citibank closed my savings account without my consent and without notifying me in any way. 

The original reason the customer service representative gave me was that the customer ( me ) requested it. I said this was not true. 

Then they said it was because my account had not been active for 6 months and they closed it due to 'security reasons. ' Which is absolutely absurd, but I guess Citi has their own reasons. They said the money will be sent ( was sent on XX/XX/21 ) to the address they have on file and should arrive in XXXX days. 
This also shows that they straight up lied to me first - when they told me I had requested the account was closed. 

The real reason I'm mad is because there was no notification that my account would be closed, but Citi claims they emailed and texted me. I have checked my emails and texts, and I have no such notification. I also don't have the check they claim they sent me, so I just have to hope they aren't lying to me about the {$10000.00} I had in that savings account is sent in a check in the mail.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have made several attempts to verify my identity by sending Transunion different forms of ID, but I still can not obtain access to my credit report. Through the Transuion website and XXXX
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC (FL)

We received a letter from a Debt collector, asking for the payment of {$320.00} apparently from a citation of the city of XXXX in XXXX, dated XXXX. We do not owe this money. A similar case was presented by these people, last year, that was totally paid by us. In the attachment is a copy of the letter received from the Debt Collector.