davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

1. I, XXXX XXXX XXXX XXXX hereby submits my complaint to the Consumer Financial Protection Bureau against Toyota Financial Services for the following reasons : 2. I have been unemployed for nearly one year, and during that time I exhausted my savings to main my payments on my vehicle secured with Toyota Financial Services. 
3. I am a professional person who has throughout my career made a respectable living, and believe that Toyota Financial Services should approve a payment plan for my vehicle. 
4. My interest rate on my vehicle is 16 %, an extraordinary rate that borders on being usurious. 
5. A recent communicate from my wife XXXX with a representative of Toyota Financial Services went to the point that it was explained that I was now gainfully employed, and that I could within the next two weeks make a payment of {$3000.00} on my vehicle loan, bringing the unpaid balance down to {$3300.00}. She was told that the vehicle needs to be repossessed instead. 
6. A repossession would mean that upon resale, a collection could be placed my personal credit rating, and that a deficiency judgment could be procured against me personally, giving me no choice but to file for personal bankruptcy. 
7. I do not accept a volunteer surrender and a repossession would place me without transportation to and from my employment, causing a serious financial set back. 
8. Toyota Financial Services must accept my {$3000.00} payment on or before XXXX XXXX, 2017, and I will agree to additional monthly payments of {$3000.00} until the vehicle loan is brought up to date, if not exceeding to the point of over-payment on said account. 
9. The hard stance by the representative of Toyota Financial Services is uncalled for, and the interest rate must be brought to within a reasonable limit of 7.5 %. 
10. My payments will be made by cashiers check payable to Toyota Financial Services, and all payments will be made by cashiers check until its brought current and/or showing over-payment on the account. 
11. Toyota Financial Services most likely securitized my vehicle loan into a pool of funds known as a securitized trust, and accordingly, I request a full accounting as to the actual ownership of the debt in question. 
12. I request an investigation into the hard money lending practices utilized by Toyota Financial Services, as they have use excessive interest rates in the procurement of my vehicle loan. 
13. Toyota Financial Services is part of Toyota Financial XXXX XXXX, governed by the Federal Deposit Insurance Corporation FDIC Certificate No. XXXX. 
14. The FDIC must investigate the border line usurious rates Toyota Financial Services procures on American consumers. 
15. I will make the payments as scheduled, and I demand proof of debt ownership without a qualified written request within the guidelines of the Fair Debt Collection Practices Act. A federal act and legislation that Toyota Financial Services is in serious violation of.
Consumer complaint received 2020-12-24
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: AFNI INC. (GA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2021-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (LA)

On Tuesday, XX/XX/2021, our attorney XXXX the first check to cover the damage sustained to our home as a result of Hurricane Ida. The check in question was received by Flagstar on Friday, XX/XX/2021, at XXXX XXXX., and was signed by XXXX XXXX. The XXXX  envelope contained a pre-paid XXXX return envelope to our attorney 's office. 
- As of to date, my insurance proceeds ( $ XXXX ) are in some type of purgatory at FlagStar 's Loss Draft Department. We have made numerous calls and emails to get a status on when our proceeds will be released from the " XX/XX/XXXX '' - Between myself and our attorneys office, we have complied with any and all request to date. BUT!! Still no insurance proceeds have been released to date. The longer this financial circle XXXX continues, the damages to our home are only getting worse. How does homeowner explain to their insurance carrier, that the home has sustained great damage as results of Flagstar 's delay? 
- As of writing this letter, I have been displaced for awhile with my husband and animals to an efficiency at the nearest hotel. I would just like to get rebuild home and get on with my life. 
- Any assistance or help your agency can offer, would greatly appreciated. 
- With kind regards, XXXX XXXX
Consumer complaint received 2022-11-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I had an existing Accelerate Savings account with $ XXXX. Yesterday I transferred an additional {$49000.00} to the account bringing the balance to $ XXXX. I woke up to find that I was locked out of my account for " fraudulent activity '' and when I called customer support was told that they were locking me out of the account and would send me additional information in 30-60 days.
Consumer complaint received 2021-11-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (SC)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ALLY FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2015-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (AZ)

I initially disputed this account XXXX/XXXX/XXXX with XXXX via XXXX. After the file was investigated it was confirmed that the account was activated at my property XXXX year prior to me buying it. I have proof that I closed on the house XXXX/XXXX/XXXX. XXXX should not report this on my credit report. 

This is a excerpt of the letter I received from XXXX. 

We have investigated your complaint and found our client, XXXX, listed the above-referenced account in our office on XXXX/XXXX/XXXX to collect on their behalf. The account was activated at an XXXX XXXX XXXX address on XXXX/XXXX/XXXX and disconnected on XXXX/XXXX/XXXX. The last payment was received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, any negative reporting XXXX made to the credit bureaus was marked for removal as a dispute. 

It appears your dispute regarding the account is with our client. We have closed and returned the account to XXXX, as well as forwarded a copy of your complaint and our response. Any further information or questions regarding the account will need to be addressed to XXXX. 

XXXXAs of XXXX/XXXX/XXXX XXXX is reporting this same account on my credit report again through Enhanced Recovery. Please help put a stop to this.
Consumer complaint received 2021-11-12
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: SYNCHRONY FINANCIAL (MT)

synocary bank continually denies any credit applications i file, my credit score has gone up and its almost three years since my medical bankruptcy i do not think their making a fair assement of my credit report especially since i received 2 unsecured credit cards form XXXX XXXX and both are in good standing
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I reviewed my credit report with all three ( 3 ) bureaus ( XXXX, XXXX and Equifax ). There is a public record listed on all three for a bankruptcy. I disputed this incorrect information with all three bureaus and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted the bureaus to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, I also contacted XXXX XXXX a third party agency and they indicate a freeze has been on my account since XX/XX/XXXX, XXXX.How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting no where.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NM)

CASE # XXXX In late XX/XX/2021 we had a cyber security breach on our home desktop/laptop. We contacted our bank BBVA within ~ one hour and went to them when they opened the next morning to explain what happened. We closed all accounts at that time and received courtesy checks. Within a month the breach had been resolved, that is, all new accounts for checking, money market ( MM ), credit card, a new modem and even a new desktop computer that had been thoroughly vetted by the XXXX XXXX at XXXX XXXX. At the initial encounter with BBVA after the security breach, we put a hold on our Money Market account allowing money to be deposited but none to be withdrawn. 
On XX/XX/XXXX I tried to transfer money from our Money Market account to checking but was unable. On Friday XX/XX/XXXX I went to BBVA to inquire and the representative stated that our account was on hold at which time and I asked her to remove it but she could not ( I had forgotten to tell BBVA to release the hold ). The BBVA representative also tried to transfer funds from our MM account to checking, but was unable. Additional inquiries were made by the representative who stated that because PNC Bank was now the new owner as of XX/XX/XXXX, the account could not be released. She made additional calls and stated the hold would be released within 24-48 hours. After 6 business days ( XXXX ) I finally received an e-mail from PNC Retail Support which I responded to and on XXXX I called and also sent an e-mail to the PNC rep who sent me an e-mail but there was no response. Another PNC rep told me she sent a message to the rep handling the case, which needed to be further reviewed ; the Branch Mgr. at the PNC branch I do my banking also escalated the incident to PNC to no avail. It has now been 11 business days and after numerous contacts, escalations, and statements that the hold still had to be investigated, nothing has been done. This is totally unacceptable and I am truly livid. I put the hold on the account and I expect that when I request it being released it is done within a very timely fashion and not told there has been no investigation 11 business days later and the hold still on. If this were happening to you and your money I am sure you would be every bit as angry as I am. I don't know what kind of incompetent charlatans PNC hires but their lack of action and incessant escalations is disgraceful.
Consumer complaint received 2017-04-03
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company (CA)

This is concerning a XXXX that billed me for a full {$180.00} payment for an appointment that I cancelled. I called her office within the 24 hrs and her voicemail mail was full. I finally got thru the day before my appointment and left a cancel message. I did n't hear from her office for 5 months and out of nowhere received an invoice saying I owed her {$180.00} for a late cancel. I called and told them I had cancelled this appointment but to no avail. Today I received a bill from a collection agency called Merchants Credit Guide Co. in XXXX saying XXXX XXXX had sent the bill to collections.
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC (TN)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

My account has been locked by Citibank for over a month. 
I was advised to go to a branch to get it settled but they have no branch locations. 

I call customer service and was told my account was under review and they have decided to close my account with in 60 days. 

I have written letters requesting that they not close my account as I have had an account with them since XXXX or so with no over drafts nor excessive usage. 

I have a checking account and Instant loan account which I also never use and a brokerage account. 

I also have my XXXX account attached to the account. 
I can not use my debit card which I don't use but I do use the XXXX. 
XXXX says I have to contact the bank to get them to release my phone and email before I can attach it to another bank. 
All of my XXXX  payments have been verified by the senders and no one has filed any complaints about sending me the funds. 

XXXX XXXX
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (DE)

In XXXX of XXXX, I contacted Ally Financial so I can voluntarily surrender my vehicle and my wife 's vehicle because I was on XXXX XXXX orders and I was also the only one working. In addition, I explained that we have XXXX kids, but that my wife and I took into our home an additional XXXX children from family members because they were basically homeless and were not attending school. The surrender of the vehicles immediately added more than {$1100.00} per month ( from car payments, insurance, fuel, and maintenance ) back into the budget and helped ease the burden of the increase in family. My wife used to work from home as a customer service rep, but was let go by the company because customers started complaining about all the noise in the background ( this was before COVID-19, so kids bickering in the background was not as acceptable as it is today ). 

My complaint is that Ally Financial took the two cars back, and just like most auto finance companies, most likely sold them at auction, used one of their " sister '' agencies to buy the car back ( for pennies on the dollar ) to put it back on the market for reselling, and wrote off the remaining balance when they did their taxes. And for the last three years, Ally has been reporting to the credit bureaus an outstanding balance that WE ALL KNOW was satisfied back in XXXX when they wrote it off in their taxes. 

So, my question is this : 1. Is the SCRA really protecting Servicemembers when credit companies can easily bypass the SCRA and go after Servicemembers to collect a debt they have already got compensated for, either directly ( through a tax write-off ) or indirectly by using a third-party " sister '' agency to buy back repossessed property for pennies on the dollar, selling it for more profit, and then trying to DOUBLE DIP by reporting to the credit bureaus an arbitrary balance that no longer exists, in an attempt to intimidate Servicemembers to pay for a balance that was written-off and the property resold for a bigger profit?

2. How many Servicemembers ( and consumers ) are being screwed this way?

3. Are there any lawyers out there that would be interested in starting an inquiry to see how many credit companies are practicing these tactics, and whether there are grounds for a class-action lawsuit?
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TekCollect Inc. (TN)

Your debt validation is confusing, some text is unreadable and my name is also misspelled. You might be mistaking for someone else, My last name is XXXX not XXXX not shows that my name is XXXX and just who is that? I need more precise information so please send me something that specifically shows each and every piece of information requested on my debt validation request. If you can not provide me complete and clear information please remove it. That is not a validation of debt.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

Experian is listing an incorrect address. Someone is trying to open accounts in my name fradulently. Experian would not let me dispute the information online, and when I called they are closed. 


EXPERIAN has a New Address on your Credit Report. 
A company has updated the address listed on your credit report. 
ALERT DETAILS Alert Date XXXX XXXX, 2017 Source EXPERIAN Address XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. nothing happened, they stated was verified but could not send me any information on who verified or anything. 

I have sent 3 letters, the last has been attached
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

A XXXX account was opened in my name and it was not me. I want the account removed off my credit I am not paying a debt that isnt mine. I didnt give anyone permission to use my name and personal information. I have already contacted the company and they are not trying to do anything to remove this account from collections, my name, and my credit report.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (AZ)

my loan servicer fed loan servicing is failing to keep accurate track of the number of loan payments i have made with regard to public loan forgiveness. i have submitted the proper documentation and called to follow up multiple times. in addition i have previously received other borrowers private information via the mail.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (TX)

On XX/XX/2022, I received an email alert from Fedloan Servicing stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted Fedloan requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to XXXX and XXXX and they have failed to report my balance owed as {$0.00}. The statement from XXXX and XXXX show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted Fedloan they show my account is closed with them and balance {$0.00}.
Consumer complaint received 2023-01-12
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AX ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. If you can not provide documentation, you must remove these from my credit report, thank you Sincerely Yours