davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
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: Experian Information Solutions Inc. (IN)

There are two " hard inquiries '' on my credit reports. They are from : XXXX XXXX XXXX dated XXXX XXXX and XXXX about the same date. 
Someone is trying to get credit cards in my name. 
I have not applied for these cards. 
The hard inquiries have lowered my crdit scores. 
They will stay on my credit reports for two years. 
I am trying to buy a new vehicle and these inquiries have lowered my score to where I now may not qualify.
Consumer complaint received 2021-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

The problem is with Toyota Financial Services. 
Toyota claims that I am 2 payments behind and have been sending me default notices all year long starting in XXXX of this year. At first I immediately sent them the extra money thinking that it would solve the problem I did not even look into it not realizing that I was never behind, in fact I should be a little bit ahead. It the beginning of the pandemic I decided to change careers in an attempt to stay on track with my payments. 
I have reached out to Toyota Financial Services about this issue. I have even gone to the trouble of faxing them bank statements showing my payments. 
This issue currently holds down my credit score in a way that I feel is unfair and unjust.

Currently Toyota Financial Services is accusing me of being late again. I have received a notice dated XX/XX/2021 accusing me of default on 2 payments beginning with XX/XX/2021. They want me to pay them : {$380.00} by XX/XX/2021. 
But this time I have a screen shot of my transactions from their own website showing that I am not in default.
Consumer complaint received 2021-10-25
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: CITIBANK, N.A. (NY)

This complaint is about the excessive amount of time taken by Citibank to resolve a dispute on a transaction on my Citibank AA Advantage credit card. The dispute was opened on XX/XX/XXXX about a charge on XX/XX/XXXX for a United airline ticket. The case is currently still opened, and Citibank has not been responsive to resolve the matter. Federal regulations require disputes to be resolved in 60 days and no more than 90 days. Currently the case is unresolved for over six months. 

The XXXX ticket is a refundable one, but the refund amount never show up on my credit card account after cancellation. As a result a dispute was filed on XX/XX/XXXX with Citibank with case number XXXX. Citibank gave a temporary credit of {$4800.00} during the initial investigation, but later reversed the credit a month later, claiming that the merchant has already credit the account and close the case. I checked my statements carefully, but never find any credit since XXXX from XXXX. 

The issue was raised with Citibank several times during the next few months, but each time Citibank response with the same letter claiming the same thing, that the merchant had given a credit already. 
Each time they did not answer my question of where and when they saw the credit in my account. 
It was not clear if the Citibank bank investigate team understand the issue. 

The issue was unresolved until XXXX, when a Citibank customer representative manger, XXXX, from the dispute department finally acknowledged that nothing from XXXX have been credited into my account. She promised to let the investigate team understand and resolve the matter in 2 weeks. 

However through out XXXX, nothing happen. The last thing from Citibank in an email on XX/XX/XXXX is that the case is pending. 

I have exhausted all my efforts in these, and would appreciate Department of Financial Services could help.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/block all access to my file and contact me directly at my phone XXXX XXXX XXXX or email me at XXXX I need a PIN for all my credit reports ASAP
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

If the account of XXXX XXXX XXXX  was closed in XX/XX/2019 how can you continue reporting charge offs after the account was closed thats inaccurate reporting requesting removal
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

If this account with XXXX XXXX was closed in XX/XX/2020. How is it possible to report the account charge offs monthly after it was closed?!! Thats a violation Im requesting removal of account XXXX XXXX have removed account except Experian
Consumer complaint received 2021-01-22
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. (GA)

This is the second horrible incident that I've had with Experian. The first was an issue with them disconnecting my bank and making my score go down more than 60 points, now these lenders are telling me that they are sending the reports on time, but that Experian is either taking too long or not reporting the information on their end. Experian stopped updating my report every since XX/XX/2020, right after i reported them to CFPB. I believe they didn't fixed my latest disputes because of this reason as well.
Consumer complaint received 2021-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (GA)

I have asked the company a number of times to stop reporting late payments which was false ; there was originally supposed to be a deferred payment, and payments were reported late. Then there was dispute of the account, the time during which no late payment was supposed to be reported. This account continues to be reported late, in violation of consumer protection laws, and the fair credit reporting act. This has went on since XX/XX/2021 to present,
Consumer complaint received 2018-03-05
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: Experian Information Solutions Inc. (AZ)

XX/XX/2018 I called XXXX   refused to investigate the inquiries put on my credit report and a couple of days before that I had the same problem with Experian they refused to investigate the inquiries that were placed on my credit
Consumer complaint received 2022-04-28
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. (GA)

To Whom It XXXX Concern To Whom It XXXX Concern I am challenging the incorrect information with XXXX XXXX and alll XXXX Bureaus XXXX, XXXX, and Transunion have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was verified. The account is being reported as a Bankruptcyby XXXX and XXXX credit bureaus. I personally have a letter from the court house and they said they do not report to any credit bureaus. I have coantacted the credit bureaus on XX/XX/2022 and XX/XX/2022. they both came back verified. 
I contacted all XXXX bureaus XXXX, XXXX, and Transunion as well. I then know that you can not report false information to a consumers credit report. Nothing was ever verified and they as well have never sent me any letters on the process of their verification process. All reporting credit agencies should prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. By them reproting this unverfied inforamtion has made it hard for me to secure a home as well as funding. This is inaccurate information and I need it deleted immediately. 



delete a bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verify these items in it needs to be deleted according to the FCRA they have once again refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more an interest every year this item needs to be deleted from my credit report if you can not be verified with
Consumer complaint received 2020-11-24
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. (IL)

I uploaded a letter to XXXX, XXXX  and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, XXXX or Transunion does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (AZ)

In XX/XX/XXXX, I paid off the principal on my XXXX card. It was late payment because they wouldn't allow me to pay with a debit card. Now they are charging me interest on the interest payment, which I refuse to pay. They have now sent me to collections.
Consumer complaint received 2021-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There are two " hard inquiries '' on my credit reports. 
They are from : XXXX XXXX dated XX/XX/XXXX and XXXX about the same date. 
Someone is trying to get credit cards in my name. 
I have not applied for these cards. 
The hard inquiries have lowered my crdit scores. 
They will stay on my credit reports for two years. 
I am trying to buy a new vehicle and these inquiries have lowered my score to where I now may not qualify.
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Assistance Inc (OR)

On XX/XX/XXXX, I received a letter from Financial Assistance , Inc. that informed me that they were attempting to collect a debt in the amount of {$15000.00}. 
On XX/XX/XXXX, I called Financial Assistance , Inc. and informed them that I was questioning the validity of this debt and that I requested verification. Specifically, I was attempting to identify the date of last payment on the account, which my records show to be XX/XX/XXXX, and, thus, the statute of limitations would've expired in the state of Oregon. 
To date, I have received no verification with this information. 
On XX/XX/XXXX, I received a summons to " appear '' on this matter. 
Financial Assistance , Inc. has failed to provide me with the appropriate information needed to validate the debt. 
Additionally, in both my call and a call with an authorized user on the account in question, representatives from the company harassed, belittled, and mocked us- and, in general, were emotional abusive which is a clear violation of the Fair Debt Collections Practices Act.

To conclude, we are filing this complaint against Financial Assistance , Inc. for failing to provide the requested verification of debt and for the abusive behavior that was received from company representatives.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-14
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. (NC)

I dont believe TransUnion is in fair practice or is resolving disputes accurately. I had two false collections reported and neither were satisfactorily resolved. One of the accounts I submitted picture proof that the account was closed in good standing, then the company ( a gym ) continued to charge fraudulently and illegally sent a false amount to collections. I will not pay this and will sue the credit reporting agencies if necessary for allowing false damage of credit and fallout including damages against myself, including but not limited to damaged credit and inability to procure a vehicle for work due to false credit damages. Gyms should not be allowed to take advantage of people during Covid, and TransUnion has a responsibility to make accurate credit reporting.
Consumer complaint received 2022-04-28
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 have previously disputed this account with XXXX, EXPERIAN and XXXX and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Consumer complaint received 2022-01-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of 2021 I filed a dispute with the major credit bureaus Experian and XXXX about the unverified info being reported from XXXX XXXX Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Financial  Corporation (WI)

Auto Loan still remain on my credit after it has been fully satisfied in the Full amount. This Auto Loan Was Fully Satisfied XX/XX/XXXX. This Auto Loan Is From XXXX. I Was The Seconday On The Account For My Brother. I Have The Sealed Document Of The Cleared Judgement.
Consumer complaint received 2021-10-25
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. (IL)

On XX/XX/XXXX experian updated my card balance when my closing date isnt until the XXXX of XXXX as a result my score dropped drastically causing major inconvenience in my families life as we are applying for a new home.. I want my score readjusted to the prior score before the illegal update or legal action will be taken company does not have 30 days seeing that this is a timely matter that has a drastic impact on my families livelihood
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX has furnished a lien on our property and is aggressively attempting to collect on the debt that was included and discharged in BK chapter XXXX back in 2011 ... When trying to resolve this I called XXXX XXXX XXXX with NO luck nobody ever answers the phone line, I written to the address on file 4 letters since XX/XX/XXXX of last year with NO response from them. Then I went to their office location only to be escorted out stating I could not be there and they would call the police for transpassing this is a public property it is an office building how is it even legal to make these statements. Now my wife and I are getting calls at work and at my parents house from them demanding a payment in full for this case # XXXX  I can never get ahold of an individual to speak to. We only get threatening messages left on our phones with calls at XXXX or close to XXXX as well as left with my assistant at work. this is ridiculous I should be protected under bankruptcy code. Attached please see proof of bankruptsy and a proof of this originally citi bank account and XXXX XXXX XXXX furnisher of this judgement included in the bankruptcy. I seek release of this judgement immediately or I will go to attorney general 's office to see further remedy on this
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (GA)

I paid off my loan with Security Finance but they still reported my loan payment late three days ago- I do not owe them any money! I have disputed with the credit bureaus already. This ONE late payment has now prevented me from getting my home loan. The company also repeatedly called me at work after I told them not to do so. This action violates federal law in credit reporting and I am contacting an attorney if this is not resolved!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have contacted XXXX multiple times, they have not helped resolve my issue. I have multiple Hard Inquiries on my report I do not recognize and that I did not authorize I don't even know the companies associated with them. My information was also sold and bought illegally because I was a victim of the XXXX data breach. I want all these items Deleted from my credit report effective immediately. I am attaching the proof that XXXX has admitted that they did use my information in this data breach, and XXXX has done nothing to help and caused me a lot of distress and in convenience. Please help me delete these fraudulent items from my report.
Consumer complaint received 2019-03-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (MS)

Seems my 1st payment was due on XX/XX/XXXX ... it was mailed well before XXXX and with adequate time to get there on the XX/XX/XXXX ... however the payment got there but was not posted untilXX/XX/XXXX and Pay Pal stuck a 30 buck late fee on it ... once again ... while looking over my statement I find another late charge for XXXX bucks ... this one was for XX/XX/XXXX payment ... despite being mailed with on time they did not post this payment until XX/XX/XXXX ... I make all my payment on time and most well ahead of schedule but somehow I think I am being screwed here ... I don't do business like this and something is amiss here ... and unlike other accounts there is no grace period for anything with them ...
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I opened a Citi Premier credit card with Citbank  for a promotion that outlined that I would receive XXXX points once I spent {$4000.00} in 3 months. ( XXXX XXXX XXXX ) I opened the credit card, which took 2-3 weeks to get to me and the promotion had already started, giving me 2 months to fulfil the terms. As I was making a purchase today, my card was declined for insufficient funds. Citibank told me that I was only offered a credit line of {$3000.00}. I have enough income to have a much substantial credit line so it begs the question, why would a credit card company approve you for a credit line that is below the offer promotion, making it impossible to reach? The whole encounter with Citibank is bizarre and I believe they are misleading consumers with this promotion and degrading the trust of buyers and their brand in the process. I will be closing my account, but they should be held accountable for misleading consumers with false advertising and unethical business practices.