davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. 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 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I had placed a credit freeze with Equifax in XX/XX/2017. I wanted to remove this freeze temporarily to apply for a car loan. Their website and phone service both refused to identify me. When I finally talked to an agent, they wanted me to MAIL in multiple documents - drivers license copy and SSN card copy. By this time, it would be too late to purchase the car I wanted to buy. Equifax could give me no reason for this other than 'it is their policy '.
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. (HI)

I am writing to file a formal complaint against TransUnion regarding their failure to address the inaccuracies on my credit report and incorrect personal information, despite my efforts to rectify the situation. 

On XX/XX/2024, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. These inaccuracies and incorrect personal details have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/2024 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items and incorrect personal information on my credit report and to take necessary corrective action as per the FCRA guidelines. 

Enclosed with this complaint are copies of all relevant documentation, including a record of the dispute letter sent to TransUnion and a copy of the response letter from Transunion.
Consumer complaint received 2021-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am someone that has some XXXX and have still been trying to work with Toyota Financial services. I have a loan with Toyota Financial Services. I am trying to work to find out why they forced me to change our first Loan agreement. They changed the interest of the loan. They refused to give me a chance to speak with someone before forcing me to sign a new loan agreement, under threat of taking the car back Immediately and loosing the money that had been paid into the loan. 
I made three payments in one month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX they put all three to Interest. I did this to try and pay the loan amount fast, but it went up and they kept the extra payments .My payment on the second contract that was supposed to be XXXX I paid XXXX on XX/XX/XXXX they took all of over payment for interest and loan went up again I asked if their was a penalty for early pay out and was told there is not. 
They talk me into paying Extension fees in Advance on XX/XX/XXXX. I paid XXXX last year for three extension in advance XXXX each I was told I might need them if I could not make a payment for any reason and did not want to pay a penalty charge. 
I have paid over XXXXand the loan went up from XXXX last year to XXXX this year. 
I made a call to Toyota Financial Company and let them know they were being recorded In XXXX of XXXX on call I was told that something was wrong, It does not work like that that cant be the amount I owe. They need to talk to a Supervisor, that there could be no way it was going up like this. When he got back on the line he demanded I stop the recording and Erase it or he would end the call .He refused to send a Break down of what went to Interest and what went to the loan and how the extra payment were Applied. He said that he did not have to send me a copy of loan payment history or how it was applied. I only have copy of loan being paid and staying the same. 
They raised the Amount of the loan agreement with out me agreeing to it, and said I had to pay the new amount .I told them that not legal or is it binding to change a loan agreement its a violation of a contract. But I was told they could change the agreement at any time, and did.
Consumer complaint received 2021-01-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (CA)

I applied for a {$500.00} loan and ended up paying over {$1000.00} for that same loan yet they are still harassing me to pay $ XXXX for something I already paid off. I have all Of my bank statements
Consumer complaint received 2021-10-22
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. (MD)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2019-03-09
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: Early Warning Services, LLC (CA)

It has been forever since dealing with this company and having them proof that the actual misinformation on their report belongs to me. As a victim of multiple identity theft issues I find it disgusting that they are not held to the same laws as everyone else and complying with FCRA rules. It has been beyond frustrating trying to deal with getting them to comply with the rules that follow and protect ID theft victims and maintain the integrity of credit reporting.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Consumer complaint received 2021-10-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (AL)

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

XXXX XXXX Bank has allowed multiple credit cards to be opened in my name. I have reported this to them, only to have the same issue repeat. They have also allowed someone to access the account, change the address and online access, without my consent.
Consumer complaint received 2021-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This will make a negative effect on my credit transactions. That's why I want this to be taken care of.
Consumer complaint received 2021-06-01
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. (TX)

wrong info : FCRA violations : XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX, LA, XXXX They forgot to put good trade-lines history but remembered the bad ones! 
FCRA violations : see attachments for all the evidence you'll ever need see here also : 1 ). 
XXXX XXXX {$0.00} Closed Unknown payment history 2 ) XXXX XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX 3 ) .XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} more mistakes no banks or credit union lends to someone that didnt pay them so this has to be a mistake looks at the date : SEE attachments
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY (CA)

Amex credit card incorrectly charged me {$280.00} in 2018 but it was not from me but from someone else as I had not used that card for quite some time. I told them and their collection agency so many times but Amex still insisted to report this fraudulent activities under my duty to pay. This is unfair. I always paid all my actively used credit cards and mortgages without any delay ( avg. > {$5000.00} ) except this particular one from Amex fraudulent transaction. Could you please help me resolve this and so my credit score can get back to the excellent level?
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2021 I mailed in letters along with a photocopy that I printed of my license and social security card. I have yet to hear any response with either validation of these inaccurately reported items or notifications that they have been removed. 
I am aware that according to the FCRA laws they are required to act within 30 days. Its been 60 or more days at this point and my rights are seriously being violated. 
Ive tried to contact these companies via phone and been given the run around. I demand that these companies uphold the law or proper litigation will follow these complaints.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

date : XX/XX/18 Chase bank will not release transactions occurring in the pending pay period with basic documentation ( name + last 4 digits of account number ). They require 7-day turn around time to release this information. 

The impact this has to me personally : I have a {$5000.00} business expense that I am unable to get reimbursed for an additional 30 days. Based on timing, this will force me to either pay the {$5000.00} credit card bill with my own funds without my company 's reimbursement or pay additional APR.
Consumer complaint received 2021-12-08
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. (FL)

Hi I hope everything is good. I sent you a letter over a month ago it was dated XX/XX/2021 and I was expecting to get a letter or notification regarding this but I haven't. i was told to go to this website to reach out to you and request to check my letters. I need those errors to be fixed as soon as possible so please do investigate and remove that inaccurate and misleading information immediately.
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (GA)

This account was included in my affidavit mailed to the Credit Reporting Agency as well as the debt collector. Trident has refused to respond to my request and continues to report identity theft information to XXXX. XXXX reported that an investigation has been done as well and continues to report this information as fact.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XX/XX/2024 I found disrepancies on my report with XXXX XXXX, Equifax, XXXX Acct # XXXX the date of last actividy says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been a Bank of America ( B of A ) credit card holder for almost 20 years. Each month, for those many years, my credit card minimum amount due has been paid - automatically - from my checking account with a different bank, and I have not had any problems until approximately 3 months ago. 
At that time, I received notice that my account was " past-due '', and I was going to be assessed late fees of approximately {$27.00} - all the while assuming my account would be paid the minimum amount due, automatically, as it had been for years. I contacted B of A customer support - multiple times - to get this straightened out, and was eventually told that their previous auto-pay setup was via a program called " XXXX '', and that was ( or had just been ) phased-out, and replaced with a different B of A system. I was then told that their " new '' payment process did not allow the setting up of monthly " minimum payment due '' amounts - only the full balance due, or some pre-set " fixed amount '' payment could be made. 
The impact of that decision ( for myself and other similar B of A customers ) is that if I were to setup a fixed amount of, say, {$100.00}, and then in the course of the next month, added additional charges to the account, the minimum amount due would then increase above that {$100.00} fixed amount, and I would then be, again, delinquent, and get assessed late payment fees, etc., for not paying the revised and increased, minimum amount. 
After multiple calls to Credit Card Customer Service at B of A, I am being told that their " new '' system does not allow the setting up of monthly " minimum payments due '' - which is unlike every other major bank with which I have a credit card relationship. If this is happening to ME, I have a strong feeling other B of A credit card account holders who had setup their accounts for autopay of the minimum amount due under the previous XXXX system, are being charged fraudulent missed payment / late payment fees - without ever being notified of the system being changed, no notice of the impact of those changes, and now having NO option to make automatic minimum payment due amounts ... resulting in many B of A credit card customers being charged bank penalty fees. 
I would like the CFPB to contact B of A 's credit card department for an explanation of why no minimum payment option is available, evidence of how they supposedly notified their cardholders of the changes, and the financial impact to their cardholders. I would imagine these additional penalty/late fees have had an impact to B of A 's bottom line.
Consumer complaint received 2021-10-22
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. (IL)

As per Section 609 I am entitled to see the source of the information, which is the original contract that has my signature, pay off disclosure, interest rate disclosure, and payment history, please provide. Transunion and XXXX XXXX XXXX  Is in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification/ validation for. In the amount of {$400.00} There was no written form of communication contact or signature for this accused debt at all. Stating that I agreed to pay said amount. Section 609 refers to a section of the Fair Credit Reporting Act As per Section 609, I am entitled to see the source of the information and signed contract with my signature.A bill is not a signed contract! Please dont not send me a bill. This is not a signed contract Please send the signed contract explaining that I signed agreement to pay said owed amount. If XXXX XXXX XXXX  can not provide this by law they must immediately have items deleted. The collection agency is required to have and provide this information.
Consumer complaint received 2021-10-22
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. (TX)

I checked my credit report XXXX of 2021 because I did not agree with a collection that was on my report the original creditor is " XXXX XXXX XXXX '' and the debt collector is " XXXX '' The debt collector informed me that I owe {$2000.00} ( I have a copy of what they sent me ) XXXX, However, was reporting that I owe {$2000.00}, So I asked XXXX to re-investigate this matter because they weren't reporting the same amount ( after it came back " validated '' ) It has now been over a month and I have not heard back from XXXX. 

My next complaint is for the same account but this time with Experian the same process from above was followed. Experian, also was reporting that the balance owed was {$2000.00} I then sent them a letter its been well over a month not only have I not heard back from them- they UPDATED the balance owed to {$2000.00} another incorrect balance if these are the SAME ACCOUNT I don't understand why I'm being told 3 different balances.

I'd like for this all to be removed from my credit file. 

In my possession I have the invoice from the original creditor, debt collector & the letters save that I sent to both credit bureaus.