davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
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: Upgrade, Inc. (TX)

I been calling Upgrade since XXXX trying to resolve an issue with receiving an email to show proof to the merchant that they still have {$810.00} pending on my card so that they can get the amount released. I called held for XXXX hours and someone disconnected the call so I sent XXXX emails asking for assistance. A couple of the emails stated to call customer service. I explained the long hold and disconnect. They responded back with that is the only way to get the issue resolved. I called back and was told that I would receive an email in XXXX business days. I did not receive the email and called back XXXX weeks later. I was told the same thing again XXXX business days to receive the email. I called back today and got XXXX was rude and was not listening. She continued you ask me to reverify my account instead of assisting me. I am angry and would like to be assisted without the frustration.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I was a co-signer on a loan that fell behind a few months. The auto loan was opend in XXXX and closed in XXXX. I have repeatedly ask Toyota Financial to remove the loan from my credit report as a courtesy so the late payments would not effect my credit rating. They keep reporting late payments even though the auto loan has been paid in full for almost 2 years. Just recent as XX/XX/XXXX, they reported being late 120 days past due. I have never been late 120 days nor did I open an investigation on this paid loan in recent months. They are providing derogatory information on my credit report that hurts my credit score.
Consumer complaint received 2022-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (SD)

all 3 credit reporting agencies reported the following : XXXX XXXX {$680.00} opened XX/XX/22 in collections on XX/XX/22 Collection agency is Transworld Systems Inc. 

I have never heard of this company and never opened any accounts with them
Consumer complaint received 2015-09-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Machol & Johannes, LLC (WA)

Same case from case number XXXX. They have stopped since XXXX and are now again resuming their garnishment NOW with my employer. The documents sent by this company never showed my application to the firm client, there was no balance on it and the entire account was already charged off in XX/XX/XXXX. Please let Machol and Johannes LLC stop.
Consumer complaint received 2016-01-12
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I am having financial difficulties and XXXX XXXX XXXX continuously calls my cell and work phone. I have asked that they not call my place of employment because we are n't allowed personal calls and the calls are recorded, but they continue to call.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CO)

A collection recently appeared on my credit report. It is a collection agency called Sunrise Credit Services. It is for an amount that was owed to XXXX XXXX XXXX by my father, who passed away last year. It appears it was for his cell phone. Somehow The account became associated with my social security number after he passed. I have been an XXXX XXXX XXXX customer in the past, but this was not my account. I have never seen a bill, letter, etc. I had no knowledge of this collection until it appeared on my credit report when I applied for a mortgage recently. It is a problem and I have requested repeatedly that Sunrise remove this, but they will not.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit card was with XXXX XXXX XXXX  and then sold to Capital One XXXX rewards ending in XXXX. I have a perfect pay history and never been late. They are charging an outrageous interest rate over 22 % and will not and refuse to lower the interest rate.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I submitted letters to XXXX, XXXX  and Experian informing them of inaccurate information being reported on my credit reports. I submitted a letter from the furnisher stating they did not verify the information that is being reported on my credit reports.
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Our was texted and then called on XX/XX/XXXX by chase numbers ( which I XXXX  before responding or answering to ). I was told that there was a fraudulent transfer happening through my XXXX ( which I have set up through chase ) and in order to reverse it, I had to fake send my money to a number that was supposed to be my claim number. The transfer was supposed to be say declined once I sent it to the claim number. Little did I know, I was legit transferring money to people who were not chase even though the numbers matched. I contacted Chase on Monday XX/XX/XXXX, & & was told that it was not actually them who called. They said they needed to investigate & 5 days later I was told they would not help me because technically I authorized the payment. I spoke all the way up to the supervisor who basically told me Chase refuses to do anything about scams. She spend over XXXX minutes giving me examples of other people who lost money through a scam which was 100 % unhelpful. I was told by her that not even the police could help me. The representatives made it seem like it was all my fault and not even the highest Chase representatives could help me either.
Consumer complaint received 2022-11-04
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. (IN)

I asked the credit bureaus to do an in depth investigation of my credit report. I never received a response for this request. I only received two letters from XXXX applauding me for taking charge of my credit. Ive attempted disputing formally and via electronically but my report did not change after each attempt. I was giving this option after representative from XXXX saw I was not getting anyway after several attempts. I still found several inaccuracies after each fail attempt. 

XXXX  : Account number : XXXX, you did not remove the past due from this account and therefore, it must be removed. 

XXXX XXXX Account number : XXXX, you did not remove the late payments XXXX  : Account number XXXX Last activity inaccurate XXXX XXXX XXXX  XX/XX/XXXX XXXX not reported XXXXXXXX XXXX  : Account number : XXXX, missing notice of dispute. Reporting after account was closed XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX delete due to inaccuracy XXXX XXXX  : Account number : XXXX, this account Last activity date XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX please delete due to inaccuracies. 

XXXX XXXX : Account number : XXXX, activity dates XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX : Account number : XXXX, last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove for inaccuracy - years of payment history reported after account was closed and the date of last activity changed without any activity occurring - XX/XX/XXXX on XXXX XXXXXX/XX/XXXX on XXXX XX/XX/XXXX. 

XXXX XXXX Account number : XXXX, remove for inaccuracy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove this for inaccuracy because the date of last payment is reported differently on all 3 bureaus : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

XXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX Account number XXXX Discrepancy an account status XXXX  status Open XXXX Closed last activity XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Not reported to all credit bureaus only XXXX In accordance with the Fair Credit Reporting act XXXX Acct # Chase XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX has violated my rights XXXX 
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 2016-11-02
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Specialized Loan Servicing Holdings LLC (NH)

I mailed my check in to pay my mortgage it usually takes 10 days it took XXXX the check bounced my bank took the check out the same day but took the check out before my direct deposit went it. My bank forgave the fee because it was 20 minutes difference. I called SLS immediately to submit my payment over the phone and stop payment. They told me that it was ok to wait for a notice. I called every week for a month. XXXX said to wait, I received notice of foreclosure if I did not pay my over due payment. I called XXXX again paid immediately like I tried to do two months before I asked if this was going to show up on my credit report because I tried over and over again to fix the problem she said no it would not show up on it. I tried to refinance and was denied because SLS put on my credit report that I was 2 months overdue. I called them they said to send them a letter to review it. I called again the lady on the phone said that she could not see why it took them 2 months to put it back on my account and they would look into it to call back in a week, I called back and they said that they could not do anything for at least a month. I have asked then to help me over and over again with no results. So I do not trust them to do this and I will loose financing. please help. They doubled my loan amount. I have tried to get the loan modified. sent paper work twice was denied and I have no idea why. I asked then to look into it never heard from them. I called again they said that they have no idea why I was denied. So I have no faith that they will do what they say.
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (SC)

On X/XX/17, there was a check fraud deposit from XXXX XXXX XXXX XXXX against a joint account that my XXXX daughter uses in her name only of {$5900.00}. It took Suntrust bank 4 days to realize that was a stolen check. There were multiple withdraws the next day of {$1700.00}, {$2500.00}, {$500.00}, and {$450.00}. Instead of just closing my XXXX daughter account and trying to get money back from her, Suntrust took {$5400.00} out of my savings and came after my son 's account as well and closed all accounts and left multiple overdraft charges in two of the 4 accounts that my son and I had left. When trying to contact there fraud or claim department they were very unwilling trying not to provide any information on who, what, when, and where these transactions took place. Also I just received a letter on the XX/XX/XXXX that was dated on X/XX/17 stating that the accounts are closed. When talking to them this past Friday, I stated that I had a police report and I wanted to give them the number, fraud department stated that the case was closed and if I wanted to reopen the case that I had to send a letter stating just that with the police report number. Suntrust made me feel as if I was the criminal when trying to get down to the bottom of the issue. I was blown off on several ocassions by them.
Consumer complaint received 2022-01-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

XXXX XXXX account for {$360.00} is being flagged on my XXXX and XXXX XXXX reports since XXXX. The collection company is Portfolio Recovery Associates ( PRA ). Since that time I have disputed the charges with PRA and the credit bureas. The entries still remain to this day. 
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. 

XX/XX/XXXX Mailed Dispute Affidavits to XXXX and XXXX asking for investigation and removal. 

XX/XX/XXXX Reply from XXXX indicating their investigation found that the account was mine and valid. No proof or evidence given. 

XX/XX/XXXX Received notice from PRA that the account was mine and valid. No proof or valid documentation included. 

XX/XX/XXXX Received reply from XXXX indicating their investigation proved the item was mine and valid. No documentation provided. 

XX/XX/XXXX XXXX XXXX XXXX to both XXXX and XXXX regarding their investigation results. 

XX/XX/XXXX Mailed Dispute Affidavit to Portfolio Recovery Associates. 

XX/XX/XXXX Reply from PRA that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. 

Please note that XXXX did remove this account after their investigation. How can XXXX and XXXX be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (TX)

I am not familiar with this account. I have contacted Chrysler Capital concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. Chrysler Capital has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Consumer complaint received 2022-11-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (WI)

And several locations they make sure they dont pay post my payments are there real late and posting my payments and currently doing that now causing me to go into foreclosure and getting an attorney and spending extra money in time to avoid foreclosure this is happened three times before I dont know whats wrong with my lawyer and why they havent caught this but they are companies that are notorious for doing things like this I would like somebody to represent me and help me through this process they say theyre three months behind and Im not Ive gotten all the bank statements and proved it to my lawyer and to them and still at no regard got nowhere
Consumer complaint received 2016-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (VA)

I am XXXX XXXX XXXX, and someone who knows XXXX XXXX or XXXX XXXX used my PII as a XXXX XXXX ( XXXX XXXX 's husband I suppose ) to rent an apartment at XXXX XXXX in XXXX, XXXX ( who turned the debt over to a NCC Business Services in XXXX, XXXX XXXX ). They claim I damaged an elevator to the tune of {$2000.00} and I have lived in my home at XXXX XXXX XXXX in XXXX, XXXX for the past 25 years and my marriage of the last 13 plus years is solid, so I have no idea how I became the victim of this identity fraud. I work for the XXXX for the past 13 years and was notified that PII for all government employees has been compromised and I have put a lock on my credit with a security alert. I have notified XXXX XXXX and NCC by email and in writing that this is not my debt and a fraudulent attempt to obtain monies from the wrong person.
Consumer complaint received 2017-05-10
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. (IN)

PLEASE HAVE EQUIFAX RE-INSE RT TWO CRED IT ACCOUNTS RE-INSERTED BACK ONTO MY CREDIT REPORTS, AS PER CREDIT FURNISHERS REQUEST.     RE-INSERT :     XXXX   XXXX    AUTO LOA N NO . XXXX -DEL ETED FROM CONFIRMATION NO.   XXXX    DATE D   XXXX ,  2014 IN  ERROR AND   XXXX   XXXX   XXXX    XXXX  DELETED FROM CONFIRMATION NO.  XXXX   DATED   XX/XX/2014 .      THANK YOU
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (MD)

I have a payroll account for my job with TD bank. I set my initial account XXXX 2015. Someone via XXXX accessed my account in XXXX this year. 
TD 's solution was to 1. freeze my account or 2. close and open a new a account. I chose to open a new account. The Fraud department of TD did an investigation and told me that the person who accessed my account had closed the account so there was no way to retrieve my money. While I was very upset, I let it go since the total was under {$5.00}. Today I noticed my account was short. Upon investigation, XXXX has again accessed my account on XXXX occasions totaling {$340.00}. The Fraud department 's solution is freeze my account. That is not possible since I have pending charges and bill payment set up. I want to know why TD is not accounta like other banks. With XXXX, that money would be back in my account while there is an investigation. TD 's resolution to my first breach was " that person closed the account we ca n't get your money back ''! 
Where is my consumer protection?! Take it up with XXXX. 
Why are they not accountable? I am closing my payroll account today and will no longer use the Worlds ' Most Inconvenient bank. Someone should look into this. TD tells me that my account was breached using my routing and account number both time. I feel that this is a breach in their bank system. I am sure upon further investigation it will be revealed. 
In the meantime, I am out of my hard earned money due to this bank 's lack in oversight and protection.
Consumer complaint received 2022-11-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: EGL US, LLC (VA)

I had a loan with this company and was paid off through allotment. Tried to get a second loan and was told there was hard coding on my file that someone would have to look at in order for me to reapply. No one ever would reach back out. Was told that manager that was reviewing no longer works there. And noone knows when I can get my new lona.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted letters to XXXX, TransUnion and XXXX  informing them of inaccurate information being reported on my credit reports. I submitted a letter from the furnisher stating they did not verify the information that is being reported on my credit reports.
Consumer complaint received 2022-08-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (FL)

My car was repo at the last minute while I was paying to get it caught it to current. This American credit acceptance knew about the job change, XXXX, and just recently my grandma passing. I have lost hours at work due to this. All my property was in the car my laundry, my account cards, my shoes, my medicines, license, and knitting stuff. I didnt know about the default until they took my car. They advertise that they help customers keep their car. How is the helping?
Consumer complaint received 2022-11-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I did not have the most recent XXXX account information. I contacted the credit customer service to find out the exact amount and the bill cycle date. 

I was advised by a female agent that I needed to make the payment by XXXX of XXXX. The payment was made on XX/XX/2021. Being that I was affected by XXXX, I also inquired about any COVID relief programs. The agent insisted that there were no available programs. 

On XX/XX/2021, I received an alert from credit card that XXXX credit account is currently 30 days late.
Consumer complaint received 2016-06-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Accounts & Advisers, Inc. (MN)

I have been receiving harassing, threatening, profane and XXXX threats telephone calls from American Accounts Advisors in regards to a debt of {$120.00} and {$240.00} I do not owe. The debt do n't belong to me. I am a victim of identity theft.