davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

This is my 4th complaint against Toyota Motor Credit re Closed/Paid/In good standing acct # XXXX. Every month TFS reports incorrect delinquent information into my own and my cosigner 's credit reports with all CRAs since XX/XX/2017. Today my XXXX credit score dropped by almost 90 points, XXXX. AGAIN. They are playing with our credit scores and near perfect credit reports ... This is ridiculous that I can not get anywhere with these XXXX   employed by toyota motor credit ... 

I AM SICK AND TIRED OF THIS MICKEY MOUSE-RUN COMPANY. OUR ACCOUNTS ARE NOT AND WERE NEVER LATE OR CHARGED OFF. I PAID IN DUE TIME, TWICE I MADE A PAYMENT AND BECAUSE OF TFS NOT KNOWING WHAT THE XXXX THEY ARE DOING, THEY LOST THE FIRST PAYMENT. I MADE A SECOND PAYMENT. 

MY ACCOUNT SHOULD BE CLOSED/PAID IN FULL, IN GOOD STANDING. PERIOD!!! 

I DO NOT KNOW HOW TO DEAL WITH THIS ANY MORE ... I DO NOT KNOW HOW TO ADDRESS THIS ISSUE. SEEMS LIKE EVERY TIME SOME NEW EMPLOYEE REPORTS TO CRAs AND MAKES THE SAME MISTAKE. 

THIS ISSUE MUST BE FIXED ONCE AND FOR ALL. I DO NOT HAVE TIME FOR THIS. 

PREVIOUS COMPLAINTS # XXXX, XXXX, XXXX ... 
I FILED COMPLAINTS WITH XXXX, to no avail ...
Consumer complaint received 2018-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Contacted Portfolio Recovery Associates, LLC once I noticed that they had placed TWO negative items on my credit report for credit cards that I dont recall having. I contacted them and asked them for information, I wanted them to verify information. I called and then I sent a letter asking for this information and as of yet, many months since I sent the letter ... they have not responded. 

I've read through some of the other complaints and it seems that this company piles on debts on people 's credit reports without checking if it's really theirs.
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc. (TN)

Convergent was trying to reach me about a cell phone bill due and was unable to get in touch with me. Since they were unable to get in touch with me, they called my sister. An employee left a message with my sister to tell me to call them
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : United States XXXX Employed on XX/XX/XXXX to Present I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2022-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc. (CO)

XXXX XXXX XXXX did not follow the new law that offers discount health services. At the time of my hospital stay i was covered under new mexico medicaid. I wasnt asked if i had health coverage at all. I wasnt able to qualify for colorado medicaid at that time because my new mexico medicaid coverage was still active and no body told me that i could have the bills from hospital paid by new mexico medicaid and when i finally was abe to get colorado medicaid the case worker wouldnt back date the medical bills to be paid in colorado medicaid. so i feel like this is very, very large debt that is beyond my ability to pay off and i feel like if i was covered on medicaid it should have been paid. I was very XXXX XXXX XXXX for several months and really didnt have any idea i was expected to pay this debt and the lack of help is upseting. so now not only do i owe {$12000.00} from XX/XX/2021 i also have {$2300.00} from XX/XX/2021 that was sent to Professional finance company, inc to collect the debt from me. There are several more debts ive been trying t pay to another collection agency from this same time frame. I feel either new mexico or colorado medicaid rightfully should pay this. thank u
Consumer complaint received 2023-03-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Stride Funding, Inc. (CA)

ive attend the XXXX a `` tech sell '' school to do cold calls for data companies long story short they said students didn't have to pay if they dont get a job as a " tech sell '' in tech companies. 

I didn't get a job and still haven't gotten a job working for any tech companies theirs also a lot of " white lies/ false advertisements " they advertise as they said XXXX a year with a commission, but no companies were offering that. 
it's XXXX plus commission so " technically '' YOU CAN MAKE UP to that or more. 


ive done 8 XXXX  interviews and a few day 's trials for a few companies as trainees noting work and I felt very XXXX for not landing any jobs in over 8 months after the XXXX XXXX and getting rejected on how my voice sounded on some I just dont think this type of thing is for me.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act. XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-20
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. (GA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX .
Consumer complaint received 2022-01-15
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. (MI)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number
Consumer complaint received 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

When I applied for a Mortgage with XXXX  I was under the impression I was pre-approved for a certain amount with the income I provided to them back in XXXX of XXXX in the form of paystubs and other various information that was asked on the application and form the loan officer. After searching for a home and entering a contract ( XX/XX/XXXX ), paying my due diligence fee ( {$2000.00} ), paying an appraisal fee of {$550.00} ( XX/XX/XXXX ), Having the appraisal and home inspection done ( {$520.00} ). I was then told after calling the agent on XX/XX/XXXX that my loan application will be denied due to affordability off of the fact that one of my incomes is a paid internship. I then was told by this same agent orally that I qualify off of the paid internship money alone ( XX/XX/XXXX ) and I then explained from my other job that I get paid the same amount off of my normal working hours I just had not been working those hours due to the paid internship because I did not believe that would be an issue with the mortgage considering the internship is ongoing through XX/XX/XXXX. I was then told if I could show the next pay stub I get these hours that I had stated, on XX/XX/XXXX then that could be leveraged to get me an approval. After a few days, XX/XX/XXXX, I was contacted again and was told that I would now need to provide a document from my company stating the talked about hours, pay rate, overtime pay rate, full time start date, bonus pay structure and dates from who handles the payroll will need to be provided in order to use any of the information. I then asked why would this need to be provided as it is all listed on the paystub and and additional information has already been shown too them. A supervisor was then brought into the picture and I was further explained that this was coming from " upper management '' and would need to be provided. I then asked supplemental information and was greeted with less that sufficient information to answer my questions unless the question were phrased in a hypothetical manner from either agent. Then on XXXX XXXX I was contacted by my process with an abrupt statement that My loan was denied due to affordability without sending in any of the information I was requested to gather. I am now confused and out of almost {$3000.00} that all could of been avoided if sufficient information was pulled and or verified before the pre-approval was placed. Alternatively, no money should have been taken from the account unless verification was done due to the fact that this makes or breaks the approval odds and terminates loan altogether.
Consumer complaint received 2018-10-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal is only allowed to contact me through my cell phone number. This is not the first time they have found other numbers that are associated to me in an attempt to reach me. These numbers have not been given authorization to call.
Consumer complaint received 2023-03-19
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: JPMORGAN CHASE & CO. (CA)

Under 12 CFR 1026.5, please provide me with the original cardmember disclosure agreement. The copy sent to me does not provide the disclosure requirements listed in this code.
Consumer complaint received 2020-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (AL)

XXXX XXXX XXXX XX/XX/XXXX XXXX Account Number Unknown XXXX XXXX Hospital Dates of Service XX/XX/XXXX, XX/XX/XXXX Emergency Room Visits Medical Coverage at that time was the Veterans Administration, 100 % XXXX veteran Today, XX/XX/XXXX I received a phone call from Phoenix Financial Services collection agency about an outstanding bill. According to hospital records and XXXX XXXX XXXX records, my accounts have a XXXX balance. These accounts were paid by the Veterans Administration over 6 months ago. Phoenix Financial Services stated they  were forwarded this collection from Altheon.and they would not withdraw the collection action. The Veterans Administration advised me to contact them if I received any demands for  payment from any agency regarding these services. XXXX will not communicate with me by phone, only email. I have emailed them numerous times today with no satisfactory response, only requests for information that they already have in my account file, or the email I sent them initially. I have never received any letters at any time from either XXXX XXXX XXXX or Phoenix Financial Services. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (CA)

I am disputing the accuracy of the information Trident Asset Management LLC is reporting to my credit file with all of the three major credit bureaus ( XXXX, XXXX, XXXX ). Trident is reporting a collections account as " verified and accurate '', yet have FAILED to respond to my dispute letter, violating my consumer rights under FCRA. 

I mailed Trident Asset Management LLC a Certified Dispute Letter, # XXXX. However, the letter was returned to me as " Undeliverable '' ( copy of front and back side of the unopened, returned letter attached, as well as, an online notice from USPS indicating an attempt was made to deliver the Certified Letter on XX/XX/XXXX, but were unsuccessful ). Apparently, the contact information Trident Asset Management LLC provided on my XXXX  credit report is INACCURATE. Whether Trident provided inaccurate contact information deliberately ( there have been other consumer complaints regarding this already ), I can not ascertain, but what I do know is that Trident is suppose to provide correct and accurate contact information so that I may exercise my consumer rights to dispute any information they are reporting to my credit file with XXXX, XXXX and XXXX. They are now in violation of Section 609 of the FCRA and I am requesting they delete this collections account from my credit file with all three credit bureaus ( XXXX, XXXX and XXXX  ). 

Please also note that I NEVER received a 30 Day Notice to Dispute this Debt from Trident BEFORE they started reporting this collections account to my credit file with XXXX, XXXX and XXXX.
Consumer complaint received 2018-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Sierra Holdings LLC (TX)

XXXX XXXX XXXX has been a big pain!. I've never experienced a negative credit hit and i'm always relatively on time and serious with my payments! My loan has been open since XX/XX/XXXX and each month my bill comes due on the XXXX. Every month I either call in my payment using a checking account or via web to take advantage of a of the free option.On XX/XX/XXXX I logged into their website to make a monthly payment. XXXX XXXX XXXX only provides two ways to 3 ways to make a payment without charging a fee ( i.e. ACH, by mail, and auto pay ) For some odd reason online it kept forcing me to pay a now {$6.00} fee to make a payment using my checking info ( ACH payment ). After several failed attempts to make a free payment i decided to wait til the next day so i can speak with someone about the issues that i was having. 
On XX/XX/XXXX I contacted XXXX XXXX XXXX to see why I couldn't make a payment for free like I had done the entire time. I spoke with an agent who advised me as of XX/XX/XXXX there is no way to pay free unless its auto pay or by mail. The representative also advised me that management told them to inform us consumers that a letter and email was sent out regarding the update. I advised the representative and spoke with a manager to inform them that they failed to inform their consumers regarding a significant update. I was charged 10 days worth of interest due to me having to mail in a check to take care of my payment. If I had been properly notified, this issue would be unheard of. After speaking with manager, the only thing they could do was apologized for the " inconvenience ''. I have provided proof that on XX/XX/XXXX there website still showed paying ACH as a free option. this financial institution failed to properly notify their consumers of new fees and payment methods. You can not penalize the consumer for this improper conduct
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX/XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, and XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}. Please delete the fraudulent accounts ASAP.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Both companies had charges that I did not authorize nor I was in the stores making in person purchases. 

1. Bank of America {$450.00} in purchases that I did not approve. ( Child support government account ) Bank of America came back with a conclusion that I did indeed make the purchases and refused to refund me the money without further investigation.

2. XXXX XXXX Credit Card {$150.00} worth of purchases in XXXX XXXX not authorized by me. Compliant was made to the credit card company who is now looking into it and will write back in 15 days with their investigation outcome.
Consumer complaint received 2018-10-24
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: Receivable Solutions Specialist, Inc. (CA)

I was told if I paid the collection amounts in FULL, that the creditor would remove the collection accounts from my credit report. I paid the total amount in full on XX/XX/18 in the amount of {$630.00}.
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I am writing to dispute a fraudulent charge on my account. 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 and 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 ).
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX  CC Ending in XXXX In XX/XX/2020 I called XXXX XXXX  Credit card and told them I had the XXXX. They stated to me it was no problem, that my payments would not be marked late. When I went back to work the end of XXXX I called XXXX XXXX  on XX/XX/2020 and paid the account in full. On XX/XX/2020 XXXX closed the account and put it in " charged off '' off status on my credit report after paid in full. The late payments during the virus months and the charge off after payment in full has severely damage my credit. XXXX XXXX  refuses to fix. This is unacceptable that a credit card company not only mireported late payments and a charge off and refuses to correct the tradeline on my reports!