davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account # XXXX ( ALL 3 ) XXXX XXXX XXXX  ) XXXX XXXX XXXX. XXXX, OH XXXX ( XXXX ) XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) Toyota Motor Credit XXXX XXXXone open-one closed ) Toyota Motor Credit XXXX, GA XXXX ( XXXX ) XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX ACCOUNT # XXXX
Consumer complaint received 2021-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

I have requests for the attached responses from Discover. I have made several complaints regarding stolen card, fraudulent purchases, and fraudulent payments. I did not steal my own cards nor make fraudulent payments.

Discovers response dated XX/XX/XXXX reflects I called on XX/XX/XXXX advising to allow XXXX XXXX to use, discuss, withdraw fraud claim, and requested balance to pay off. How did Discover know she was also using another name aka XXXX? This is totally false since I had just filed a sheriffs report one day prior on XX/XX/XXXX and I didnt have money to pay off the card! She called Discover, so may I have a copy of the interaction plus all details including the phone number?

Ask yourself ; I am a man who held the card. She is a woman and needed a man to make statements. Someone just decided to call you to tell you to drop the fraud case and alright to talk with XXXX XXXX?????????????? How does that benefit me especially finally a sheriffs report one day earlier? 
There was reason for XXXX XXXX to go to great lengths to steal and have someone impersonate me. I researched the purchases and XXXX XXXX was using card to pay probation fees to XXXX XXXX County. I noticed several payments to XXXX XXXX County Clerk and dialed the number on the statement ; XXXX. XXXX XX/XX/XXXX purchases and call the number. She is also now or was recently an inmate in XXXX County Jail XXXX for false pretenses and forgery. See attached. 
On XX/XX/XXXX, Discover reflects I took full responsibilities for the charges. I asked to continue payments on what I just owed. May I also have a copy of that interaction / details. At that point, I was very frustrated and wanted my credit rating back. I have been asking for payment options and settlement options and I will continue to discuss much to regain my credit. But I have never represented I was married or withdrawing fraud claim.

Then Discover exacerbated the problem by not removing payments and subsequent purchases, closing the account, and then charging off. I had asked for return of cards but Discover isnt able to comply. What can be done? What are the options because my credit should be
restored? Drastically discount the amounts due? But I am XXXX and I now dont have money readily available. I was faithfully making payments to reduce debt, never made fraudulent payments, and am most certainly not married or even common law. Nor am I in the least attracted to someone that XXXX XXXX ugly! 
Calling Discover is very difficult if not near impossible. It has been more productive and a better use of my time to correspond through CFPB. Instead of stressing consumers, would it be better for Discover to call the consumers when Discover is not so overwhelmed? My number is XXXX.
Consumer complaint received 2019-05-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (OH)

My current loan was in forbearance until XX/XX/2019. There is a letter posted to my account by the lender ( servicer ) stating repayments were to begin in XX/XX/2019. In XX/XX/2019 and XX/XX/2019, payments were debited from my account. My account overdrafted due to these payments being withdrawn from my account. The overdraft fee is {$37.00} per day. I provided the servicer company with my state assistance information, which they declined to accept. I asked why my payments began before the stated date of XX/XX/2019. I was advised that the money was owed to the company. The payments were to begin XX/XX/2019. On XX/XX/XXXX ( today ), 2019 another payment was debited. Now they are debiting early from my account. This occurred in violation of the letter the servicing company provided to me. 

The loan states that the XXXX XXXX XXXX is the school I attended. I never attended school there. 

I have been unemployed for XXXX years due to health issues. I am currently awaiting a decision on XXXX and have been on state XXXX and food assistance during this time. I have provided documentation in the past proving this. Nelnet now says that this is not acceptable documentation.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions (MN)

The management company XXXX XXXX XXXX XXXX evicted me from my rental and told me I'd be charged with trespassing if I came back on the property. At the time my rent was paid and the account was closed. 

A year later they sent me a bill for {$8000.00} for 8 months of rent on a unit I didn't even live in. This is fraud and These are Frodulant charges!! the account was closed! 
rent Recovery Solutions has been made aware of this and a XXXX complaint was made and excepted the acount as Fraudulant. Even after being contacted they still haven't taken it off my account and it's cost me horrible problems and it's Againsed The law! FRAUD!!
Consumer complaint received 2017-09-20
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. (NY)

I have unrecognized hard inquiries on my credit card, which I did n't authorize. I did not give them my consent, it was not court ordered, or was not for insurance or employment purposes and it was n't a firm offer a credit. 

Hard Inquiries by these companies on these dates was not authorized : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I was reviewing my credit report and notice multiple errors. Please remove all other addresses off my credit report as they are not deliverable to me by the US Postal service. 

My name is XXXX XXXX. Please delete all other alias or names that you may have they're incorrect. 

My correct phone number is XXXX. Please delete all inaccuracies associated with my phone number. 

My current address is XXXX XXXX XXXX XXXX XXXX TX, XXXX Please delete the following incorrect addresses XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX NY XXXX I also request a free copy of my credit report with the correct and updated information as listed above to my current address. 

Thank you
Consumer complaint received 2020-10-25
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. (NY)

Date : XX/XX/2014 Amount : {$500.00} Action Taken : I ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS ALLEGED DEBT.
Consumer complaint received 2020-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

To whom may concern, I went to one of the XXXX locations at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX for wire transfer money to my family overseas. I personally counted my cash 3 times before the arrival of the location. I was also the only one who touched the money before giving it to the owner of that business. I handed the exact {$20000.00} cash in a combination of {$100.00} and {$50.00} bills to the owner who runs this business. He first told me that he has a " Special way '' instead of going through the Moneygram system. I asked him what that means, he responded with he could make this transaction off the book so IRS won't know I have such a transaction. He then took my money and secretly counted it by doing it in a blind spot of all cameras and didn't let me look at it. He then put the cash into a cash counting machine and told me that I only gave him {$15000.00}. That's {$4400.00} MISSING. I confronted him and wanted him to see if there is any miscount, but he insisted that this was the exact amount and denied that he stole my money. I called the police then the police checked the camera and told me that they couldn't really tell anything because the camera didn't catch anything due to he was hand counting it in a blind spot before put it into the cash counting machine. I need help!! We can't let this happen!! I want my hard-earned money back!! 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-07
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. (PA)

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXXXXXX {$530.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$29000.00} Date opened XX/XX/XXXX XXXX XXXX {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX {$5100.00} XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Opened : XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I would like to order my full report from XXXX XXXX, XXXX XXXX, INNOVIS. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.
Consumer complaint received 2017-09-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BlueChip Financial (TN)

XXXX XXXX XXXX keeps calling me on behalf of Spot Loan - www.spotloan.com. They call me constantly, threatening to sue and place a judgement against me. I have voice mails and they keep saying they are going to send legal documentation through a carrier and place a judgement against me. The phone number is XXXX and he claims his name is XXXX XXXX.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX I disagree with the response provided by American Express in their letter dated XXXX. I should be reimbursed approximately {$1000.00}. In the American Express letter, the Cardholder Agreement is referenced that states that charges made with the card can not be disputed and that transactions are similar to cash transactions. 

The card is in my possession and has not been used in any financial transaction excluding a small transaction made at a vending machine on XXXX. Therefore, the prior transactions were not made with the card since it has been solely in my possession since XX/XX/2021. If I store money in my refrigerator and no one has access to it, no one can use it to make purchases. The same would apply to the gift card. Something went wrong and Im asking you to investigate this situation and refund to me what is just. 

Some type of corruption or a mistake is most likely the reason for this problem, e.g., a security breach, internal corruption within American Express staff, a duplicate file of cards could have been produced with the same card number and PIN, etc. Please investigate and return the money that should belong to me. Some of these examples could have gone beyond your internal controls. Thank you.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (TX)

I am not liable for this debt with XXXX XXXX XXXXand I do not have a contract with NWIDE RECVRY plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$2300.00} I demand this account to be deleted on my credit report.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

From beginning of XX/XX/XXXX up until XX/XX/XXXX, I have been trying to work with my lender to try to get something done about the property. I informed them back in the early party of XX/XX/XXXX that i had been laid off of my job and i needed to do a loan modification to try and offset what i new would happen inevitably. I tried to do the modification, but eventually my unemployment ran out, so i began to look for a buyer, when i could not find a buyer on my own, i recently went to a Realtor. I was under the impression that i had to pay a realtor to actually list the property. I do not deny that a lot of this situation is procrastination on my part, but i need this short sale to make the matter right. 
The property is listed at {$130000.00} and we have had a lot of activity with phone calls and showings. I currently have an offer that i would like for the lender to review.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (CA)

Contacted by voicemail only ( dialed directly into the voicemail on my cell phone to leave message ) two times with messages threatening legal action if I did not call their client. These messages were from " XXXX with XXXX XXXX XXXX '' and directed me to contact her " client '' at XXXX " regarding case # XXXX. When I called the number a very gruff man answered and identified the business as XXXX and XXXX. After I gave him the case number he transferred me to the " litigation department ''. A woman answered and said this is concerning " a Walmart credit card that you didn't pay ''. She said with fees the balance is " about {$2500.00} '' but that I could settle with a {$1000.00} payment now. Otherwise I will be sued and they will garnish my paycheck. She then threatened to contact my employer and have 25 % of my pay garnished. This is for a debt that was charged off by the original creditor in XXXX, 2013, no payment arrangement has ever been made on this account and it is well beyond the statutory four year Statute of Limitations. When I refused to pay and hung up, the company called my ex-wife on her cell phone and similarly threatened her, they then called my current wife on her cell phone and similarly threatened her. this behavior is harassing and illegal.
Consumer complaint received 2023-03-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (GA)

documents are attached please read carefully. reply back within 3 business days of receiving also please read the resolution box carefully. defamation of character, damage my reputation, caused damages
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a credit card pre-approval letter from capitalone and I applied for a credit card since my credit score from all 3 credit bureaus and pretty high and over 750.  Also my annual income is XXXX and have a Capitalone 360 acct with $ XXXX balance. To my dismay they rejected my application and sending me over to XXXX web site to improve my credit. Since I have good credit and good income and XXXX balance in savings acct at Capial one 360 for last 6 months I dont see any reason that they should reject my application.
Consumer complaint received 2018-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Portfolio Recovery Associates LLC have repeatedly called me at various times throughout the day from various phone numbers interrupting my carrer and my personal time. I have asked them multiple times to remove me from their call list. They keep calling me and asking for me by name. I have NO outstanding debt except for my mortgage, which is automatically paid each month and has never been late.