davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I am submitting this complaint myself. There is no third party involved. This submission is an addition to the complaint I mailed in already against this company. 

I entered into a consumer close-end credit transaction with this company along with the dealership XXXX XXXX XXXXXXXX XXXX also  known as XXXX XXXX XXXX XXXX XX/XX/2021 for which the contract I was given lacks multiple disclosures and there are some billing errors that need to be fixed : XXXX. Billing error # XXXX in the contract is the number of payments and the amount of payments. Under Regulation Z also known as XXXX, the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me ; 2. The XXXX billing error can be seen on the XXXX XXXX ( The amount of credit provided to me or on my behalf ). The company should provide additional clarification, including documentary evidence, of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ) and Generally accepted auditing standards ( GAAS ) ; 3. Another possible error is the Seller-Creditor section of the contract where this company is not listed as the creditor ; 5. There was no diclosure or forms provided to practice my right to rescind in accordance with 12 CFR 1026.23 ; 6. There was a lack of disclosure about the finance charge in accordance with 12 CFR 1026.4, including not disclosing that it shall include all interest, downpayment, service fees, etc. and that the finance charge shall be the sum of all charges ; Learning these things after the consummation of the transaction, I took the following steps : 1. I provided both companies my notice of rescission of signatures within the timeframe allowed as specified in 12 CFR 1026.23 ( a ) ( 3 ) ( i ) ; 2. I provided both companies a notice of billing error in accord with Regulation Z, 12 CFR 1026.13 ( b ) ; The effects of rescission as required in accord with 12 CFR 1026.23 ( d ) have not been performed or notified/delivered to me, and I have not received further communication addressing any other points on this matter. 
Copy of the contract referenced above is attached.
Consumer complaint received 2016-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (NY)

There is a chargeneral on my XXXX report for the amount of {$94.00}. I contacted the collection agency by the name of IC Systems Inc. and the advised me that it would be removed. This was threw months ago and it still reflecting on my acount.
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (LA)

I was a victim of identity theft in XXXX  and i didnt find out until XXXX  when I was getting my tax returns together to purchase my home. I receive a PIN number because someone filed taxes under my ssi and name in XXXX  and my identity has been compromised ever since so there are many addresses and accounts that arent mine and i did not sign off on including the garnishment from midland credit brought by XXXX XXXX. I didnt incur these debts and was unable to respond to lawsuit because i almost died having my premature baby in XXXX. In XXXX someone bought a phone on my XXXX account as well and i wasnt charged for it because i notified them about my identity theft issues from XXXX.
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (GA)

XXXX XXXX XXXX, XXXX has filed a lawsuit against me for a debt that I do not have or owe for card XXXX. I have made several attempts to resolve this. Including filing disputes with the company and the credit bureaus, but the company continues to assert that the debt belongs to me. The debt belongs to a different XXXX XXXX, but they have attached the debt to my profile and my social security number.
Consumer complaint received 2024-03-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I paid a collection of {$1200.00} to XXXX XXXX apartment complex in XX/XX/XXXX. I summited a consumer disputed with the XXXX and XXXX with prove of the payment to the apartment complex. the company PROCOLLECT , INC told the credit bureaus that the information was accurate. on XX/XX/XXXX at XXXX XXXX  PST I called PROCOLLECT , INC at the following phone XXXX, I spoke with the representative and ask him in regards the collection account to which he told me the information that shows in my credit report, then I proceeded to ask him when was the last update that they got in regards to the debt, and he told me that they got the account back in XXXX. I proceeded to tell him that I paid the apartment complex to debt in full and that how is it possible that my account is still reporting with all the amount owed still. the representative told me that he saw the dispute I submitted in XX/XX/XXXX, and that I still owed the debt. he also told me that it didn't matter if I pay the complex the account was theirs and I still owed the debt. he also told me that their is no point on me explaining anything that I still owed the debt. I try to explain to him that I pay the apartment complex directly and that I have the prove of payment, but he still insisted that it does not matter I didn't pay his company. then i proceeded to thank him and disconnect the call. 


PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

XXXX, XXXX. File XXXX Account Information : Account name : XXXX COLLECTIONS Account number : XXXX Original creditor : XXXX XXXX XXXX IN CO. 
Date opened : XX/XX/2021. 
Payment status : Paid. 

Hello my name is XXXX, XXXX was a collection from XXXX reported to my credit that I was unaware of. It is for an XXXX auto insurance policy I terminated in XXXX. Allegedly there was some unpaid balance on the account which I never received communication regarding. 

I believe this is because the policy is to an address I do not currently reside at and is also not listed on my credit file ( XXXX XXXX XXXX XXXX ), even though they had my new address. I proceeded to call XXXX XXXX insurance who admitted this mistake. I then got notice form XXXX insurance by email from XXXX XXXX XXXX stating if I pays, theyll instruct Credit Collection to remove the account from the credit report, since I was billed incorrectly. 

I then paid the account off and then after I called both XXXX and the collection company, I was told that they will not remove the account from the credit report. 

( SEE ATTACHED EMAIL CHAIN WHICH PROVES I WAS TOLD ACCOUNT WILL BE DELETED IF I PAID )
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

ON XX/XX/XXXX, IS THE ORIGINAL DATE OF WHEN I FIRST FILED WITH WELLS FARGO FRAUD DEPARTMENT. AN XXXXXXXX XXXX XXXX  XXXX WAS TAKEN OUT OF THE STREET MAILBOX LOCATED ON XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. THIS RESULTED IN BANK FRAUD. THE PAY TO THE ORDER OF NAME WAS REMOVED XXXX XXXX XXXX AND IT WAS REPLACED WITH A NEW NAME XXXX XXXX XXXX AN XXXX WAS THEN ADDED IN FRONT OF MY PAYMENT OF {$260.00} THEREFORE CHANGING IT TO {$8200.00}. IT WAS TAKEN TO XXXX XXXXXXXX XXXX AND CASHED. I HAVE A COPY OF THE CANCELED CHECK FROM MY BANK- WELLS FARGO. XX/XX/XXXX XXXX POLICE REPORT FILED CASE # XXXX. FBI REPORT ALSO FILED. IT HAS NOW BEEN OVER 78 DAYS AND I HAVE NOT BEEN REIMBURSED FOR THE AMOUNT OF {$8200.00}. WELLS FARGO IS STATING THAT THEY HAVE TO WAIT FOR XXXX  XXXX XXXX, WHO TOOK THE ALTERED CHECK, TO GET FUNDS BACK BEFORE THEY CAN REIMBURSE ME. I CONTACTED WELLS FARGO FRAUD DEPARTMENT AGAIN ON XX/XX/XXXX BECAUSE I STILL HAVE NOT HEARD BACK. THEY TOLD ME IF XXXX XXXXXXXX XXXX CAN NOT RETRIEVE THE FUNDS, WELLS FARGO WILL NOT BE ABLE TO REIMBURSE ME. I HAVE THEN LOST {$8200.00}. WITH THE CURRENT COVID SITUATION GOING ON, BUSINESS HAS BEEN DOWN. IT IS VERY DIFFICULT TO KEEP MY BUSINESS GOING WHILE WAITING FOR REIMBURSEMENT. THIS IS A VERY FRUSTRATING SITUATION. ANY ASSISTANCE IS APPRECIATED.
Consumer complaint received 2023-03-30
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. (NJ)

Using Chase 's XXXX XXXX portal, I booked a hotel room for XX/XX/XXXX. I attempted to book this and a rental car with their travel specialist, but she tried to reserve a vehicle in XXXX, XXXX instead of XXXX, NJ, which is over 500 miles away. 
I reserved and paid for a specific room type under ID XXXX. When I arrived at the property, I was given a substandard room with the notification it was what Chase had reserved. Calling Chase ( 1.5 hours on hold ) they blamed their third party vendor, XXXX, or XXXX, and the property manager indicated this specific mistake is a common occurrence with Chase. It was over 3 hours before we were able to get the room I paid for, which I only got because Supervisor XXXX, XXXX said I would need to pay the room charge out of pocket and seek reimbursement. I did this, even though I wanted to cancel the room at this point. I could not because this reservation was non-refundable, and there were no other rooms for rent within 35 miles. 
Chase opened a case and on XX/XX/XXXX XXXX XXXX indicated that the refund would be issued in the form of points with the same cash value within 48 hours. After 48 hours without this refund, I called in and was told that now it will be 1 - 2 billing cycles, which is not acceptable, nor in line with the email I received with 24 - 48 hours for deposit. 
Chase opened a case for
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX I reopen a claim with chase bank because XXXX dollars was taken out of my account. I was told the merchant had proof of delivery by signature of the customer and that was not factual also I submitted proof that I paid for fast shipping, the merchant apologizing for their delay and also the merchant delivery to the wrong address however chase is claiming there's nothing they can do.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I called and cancelled my Citibank XXXX XXXX XXXX card which renews each XX/XX/XXXX. The representative said she would cancel the card immediately and asked if I would be interested in a similar no-annual-fee card. I agree to this proposal and the annual fee card was cancelled. A few days later I noticed that even though the card with the annual fee had been cancelled, there was now a fee of {$99.00} charged to the no fee card ( XXXX XXXX XXXX card ) I called to dispute this on XX/XX/XXXX and was told that Citibank would credit the {$99.00} fee within 5 business days. Today is the 10th business day and the fee remains on the account. I called Citibank again today, XX/XX/XXXX to ask why the fee was not credited as promised and was told it actually takes 1 or 2 credit cycles to gain this credit. This message is the opposite of what I was promised on XX/XX/XXXX. Delaying the credit by XXXX or XXXX credit cycles is unacceptable as it would require me to pay the fee even though it was cancelled in accordance with the terms of the agreement. I have little confidence that it will be credited in the future as Citibank has already broken their promise from XX/XX/XXXX.
Consumer complaint received 2022-07-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC (PA)

n accordance With the fair credit reporting Act XXXX account # XXXX account name bridgecrest Has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-18
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. (OH)

XXXX, XXXX and Transunion have furnished a credit profile without my verbal or written consent! I've demanded that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They cant produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. 
The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. 

Again this is a violation of my rights to privacy. They also are allowing companies to pull this report with my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report I never gave XXXX consent to create.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

I have sent certified letters to NFCU on XX/XX/2021 and i have on numerous occasions submitted complaints with CFPB about this same issue over a year now regarding the unauthorized reporting of the negative payment history being reported on my consumer report. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) which states that The Congress has found the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. NAVY FEDERAL CREDIT UNION has violated my right to privacy and this statue by reporting the payment history information of this tradeline account to the consumer reporting agencies. The Congress said transactions or experiences should remain between the consumer ME and the person NAVY FEDERAL CREDIT UNION thereby making the reporting of this accounts payment transactional history inaccurate. 

Pursuant to 15 U.S. Code 1681a ( b ) ( 1 ) NAVY FEDERAL CREDIT UNION has injured my credit worthiness, credit standing, credit capacity, character, personal characteristics, and has caused me mental anguish as you have violated my consumer right to privacy and damaged my reputation ;
Consumer complaint received 2022-01-18
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. (LA)

Experian is reporting a writw off when it is a repo The company repo the car while I was on XXXX XXXX which is against federal law Experian is also showing I XXXX from this company which are fraud I never did or gave permission Experian is letting helping company report frauds on my report XXXX is the company with a repo car account they are reporting as an writw off I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I want all proof from experian and the court order to reposes a auto while a soldier is on XXXX XXXX order which carries 60 days from return
Consumer complaint received 2020-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Paramount GR Holdings, LLC (CO)

I have made large payments of XXXX on XXXX and XXXX on XXXX plus all my payments of XXXX a month since XX/XX/XXXX on original loan balance of XXXX but on the loanpal web site and credit reports the balance is still XXXX and they show last apyment was XX/XX/XXXX? i have call several times and filed 2 disputes with XXXX  but nothing yet? i have all the payment confirmation numbers too if you need them.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I am filing a complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they has gone pass the 30 day given and can not verify these accounts under section XXXX XXXX XXXX ) ( a ) of the FCRA- they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank You
Consumer complaint received 2023-04-03
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: Credit Bureau Services Inc. (IL)

In accordance with the Fair Credit Reporting Act, CREDIT BUREAU SERVICES 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. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance. 
I have disputed this several times in attempt to correct the inaccurate information that is being report, however CREDIT BUREAU SERVICES has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Consumer complaint received 2022-07-05
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. (SC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see verifiable proof ( an original consumer Contract with my signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-09-01
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. (GA)

I am XXXX XXXX and I'm submitting this complaint myself and there is or was no third party involved so why is their authorization needed to process my complaint about my consumer report on which you are reporting false and misleading information on. I DEMAND YOU REMOVE THESE ITEMS IMMEDIATELY.

CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (AZ)

i called for auto ins quote an paid in full 6 months XXXX XXXX {$400.00} then approx. 2 months later they added drivers to my policy without my authorization an took XXXX out of my credit card account without my approval and the account they used was closed. Then in XXXX they cancel my auto ins. causing me to go with XXXX. then approx. 2 months later cc collections called me and said i have outstanding balance of approximately XXXX an when i asked for the details of it and break down then never got back to me. in XX/XX/XXXX I seen a derogatory delinquent on my report when i called them the phone number listed on credit report for information in XX/XX/XXXX, they still did not know what the balance was for or any details an stated to me they would look into it but already have put on my credit report.