davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

While at the XXXX XXXX XXXX XXXX dealership in XXXX Ca because it was close to a friends house on a weekend. When I did not see what I was looking for the salesperson did a good job of listening to me and took the time so search the inventory. We walked to the back lot and I found a vehicle that met the criteria I was looking for. I decided to listen to their offer based upon the performance of their sales person. I have excellent credit and little debt so I was confident I could buy it. During the course of negotiation and closing I was told several things that were complete lies and overcharged by an outrageous amount. The smallest lie was that they refused to negotiate because they had shopped over XXXX competing dealers and their price was the lowest guaranteed. They kept emphasizing they guaranteed it was the lowest price because they had done all the work for me. After closing I found that the dealership close to my home was cheaper. I wasn't too upset. The largest and most disturbing lie was during the financing I was offered gap insurance at a cost of {$800.00} and was told that it could ONLY be obtained at the time of closing and that if I did not take it right then and there it could not be purchased later through any other source. I took the gap insurance because I did not want to be exposed. The first available business day I called my auto insurance provider to place the vehicle on my auto insurance policy and the agent offered me gap insurance. I told them about the conversation with the F & I guy and she told me that was completely untrue. I went online and found that many insurance companies offer such insurance on leases. I took the gap insurance through my normal auto insurance agent and the cost was {$56.00}. Yes that is correct, {$56.00} versus {$800.00}. I sent them an email through their website communicating my desire to cancel the gap insurance and called. I was placed on hold for so long it was intolerable. Finally I was able to speak to someone in Finance and communicated that I wanted to cancel gap insurance. I was assured it would happen. My payment documents came and I have made my payment. I called Toyota Finance and they have absolutely no record of cancelation. I called XXXX XXXX again and had to leave a message. I asked for a call back in the next 3 business days and gave clear detailed call back information. No call back. I can not get a response from them. I am left with no choice but to file a complaint with CFPB and the State Insurance Commissioner.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-22
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. (CA)

These inquiries on my credit report were not from me 1. XXXXXXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX 2. XXXX ( XXXX ) XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 4. XXXX XXXX ( XXXX ) XX/XX/XXXX 5. XXXX XXXX XXXX XXXX ) XX/XX/XXXX 6. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent dispute letters to both transUnion and XXXX  showing the inaccuracies they are reporting but have been getting responses stating that the accounts are accurate. Both have been reporting false information. I've been getting reports from different agencies going back at least 2years showing my reports being manipulated. I recently contacted all the creditors asking for information about these accounts and how they were reporting. XXXX XXXX  responded to my letter stating they didn't have any account with my name on it. I sent a copy of the letter to tranUnion and XXXX. They are totally disregarding the proof and continue to report these accounts. I didn't want to clutter up your office so I won't send all the proof I have of the continued violations and false reporting. If you take a look you can plainly see what has been occurring with my reports. XXXX  had the good sense to cease reporting these accounts. Therefore my complaint doesn't involve them. In these copies you'll see the many violations, gross negligence of these 2 bureaus reporting practices. They have kept my credit reports hostage for years resulting in my having to pay higher interest on my accounts I've been able to open in the last several years! Please advise me on the proper steps I need to take to get this handled. Thanks.
Consumer complaint received 2021-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (TN)

I get calls 2-3 times a day from NCB MGT SRV INC with different numbers, like XXXX or XXXX. No message is left and noone speaks if I answer. 
I looked on line to determine what the letters meant and found it was a debt service. 
I do not have any outstanding debts and see no need to be harrassed by the continual calls.
Consumer complaint received 2021-02-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with Experian for years now ( XXXXXXXX XXXX  account # XXXX ; XXXX XXXXXXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX acct # XXXX ) I have sent numerous letters asking for these accounts be investigated and if verified show proof of their right to post those accounts on my credit reports ( my last letter was report # XXXX on XX/XX/20. ) I have showed indisputable proof from the IRS and Social Security Office that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information and its what the law says they must do. Experian continues to violate my rights as a consumer to have an accurate credit file, and must show proof that they have the right to have these fraudulent accounts on my credit reports.
Consumer complaint received 2021-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have ongoing disputes with Experian as 3 collections ( and addresses reported by them ) have appeared so far on my credit report that happened due to identity theft. The first collection/address were disputed successfully and I currently have 2 pending collections under dispute. I submitted an FTC report and have submitted several to Experian in the past few weeks ( updated over time as each new collection and address have appeared ). I keep getting the same email from them stating " The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' I have called several times and no rep has ever been clear as why they can not accept it ( is it because I keep updating it and the previous one submitted is no longer valid? or something else? ) .Today, XXXX/XXXX/2021, I called again to get clarification as to why I received the email again and why they can not accept the FTC report I submitted. Rep said " We know the report is fake '' basically accusing me of faking an FTC report when it was literally filed and downloaded directly from the FTC 's website. I asked the rep to clarify why they think the report is fake if it was downloaded from the website ; I explained that the report has been updated by me every time new collections/information has come up and submitted. Rep refused to answer, stating again that they know that the report is fake, that she could not reveal details but that they are aware the report is not real. NO EXPLANATION. I asked if they could send me a letter instead to explain why if she could not do so over the phone and the rep stated she could only send me the same email they keep sending which is NO HELP. Rep stated to contact the collection company directly instead and if they accept the report then they would remove the collection which XXXX.
Consumer complaint received 2021-01-28
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. (NJ)

I am being reported as a charge off from XXXX yet I have a letter from them stating that this account was not opened by me I never used said account that I am not responsible for said account and that it is to be removed from all credit reports. Since this letter they have opened and closed accounts in violation off the law and their own admission. Now I have seen they open another account again not opened by me. And have put it in charge off. They claim that now it was not a fraudulent account even though they have sent me a letter confirming I am not responsible for the original and all accounts opened by them not me. They refuse to send me copies of all signed papers of the opening of these accounts that I never opened and they have charged off I am forwarding the letter stating that I am not responsible for any account. They even have accounts made up when I wasnt even living in America. I can show you my proof that I was living in XXXX.. I have other violations that I will send separately.
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under LVNV Funding. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

I tried to sign up today with a mobile cell phone provider. They could not approve my account because my Experian account is frozen. I tried for HOURS on-line and on the phone to temporarily lift the freeze. It is not possible. None of my many calls to Experian ever got me through to a live person though I tried many different phone numbers. A XXXX operator directly connected me to an escalated number. Again, I was trapped on a circular prerecorded message that eventually hung up the call. I now have a frozen account that can not possibly be lifted on my end. Please help.
Consumer complaint received 2021-01-28
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. (GA)

I had a deferment on my auto loan from XXXX, but XXXX XXXX reported the account late for XXXX and XXXX. The XXXX payment was fixed, but the XXXX payment is still showing 30 days on all of the credit bureaus. I have filed a dispute with Experian and contacted XXXX XXXX who both have not resolved the issue. They both keep referring the call back to the other. Today, I spent over an hour on the phone with XXXX XXXX being passed around from representative to representative without any resolution and finally landed in a supervisor 's voicemail because she did not want to take my call that was transferred from her subordinate. I have attempted to redispute with Experian, but their online service is refusing to take additional information from me.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

The Citi bank is a BIG FRAUD, stole my $ XXXX! I opened a checking account and deposited $ XXXX for its promotion bonus. However, within two weeks, my account was closed by the its fraud department, and the customer service had terrible accents, and insulted me over the phone without giving me any explanation for locking my account. They said I will receive my money by check. I tried to go to the branch or called over the phone, they just repeated the same thing and asked me to wait. Over a month has passed, I never received my money back. 

Government and law enforcement please do something! Help me get my money back, and sue this fraudulent bank!
Consumer complaint received 2019-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I noticed that I was being charged a monthly service fee. Therefore, I reached out to XXXX in the Escalations department and he told me that he would reimburse the two monthly fees in the amount of {$24.00}. However, I followed up later regarding why the fees has not been reimbursed as promised. Unfortunately, the process was not completed.
Consumer complaint received 2022-04-06
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. (WI)

Hello, An account that did not belong to me was sent to collections, I paid the collections agency so that it would not hinder my credit. However, the collections agency reported it to the XXXX credit monitoring agencies. 

I have a letter from the collections agency stating that since it was paid the account will not be reported. Using this info I disputed all three credit monitoring agencies. 

XXXX and XXXX conducted an inquiry and promptly removed it from my credit report. 

Transunion however will not do anything about it and no matter how many times I dispute it, I don't receive any communication back from Transunion. Transunion 's website is not user-friendly enough to an extent that it discourages people from disputing an error om the report. I don't believe Transunion conducted any kind of inquiry and instead only interested in selling tools to improve credit. 

Thank you, XXXX
Consumer complaint received 2021-01-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (VT)

I have a VA home loan serviced by Veteran 's United Home Loans for my primary home. This loan began in XX/XX/XXXX and included a mortgage and escrow payment. 

On XX/XX/XXXX, I received a letter from Veteran 's United that was dated XX/XX/XXXX and stated that an end of year analysis of my escrow account was completed, and it was determined that there was an excess amount in my escrow to start the new year. Included with this letter was a check written to me for {$1100.00} and was dated XX/XX/XXXX. I am not sure why there was a three week+ delay in when the letter and check were created and when I received it. 

I electronically deposited this check into my personal checking account on XX/XX/XXXX and received a message from my bank stating the deposit was accepted for processing. 

When I reviewed my checking account on XX/XX/XXXX, I noticed a chargeback for {$1100.00} plus a fee charged to my account for the chargeback. I contacted my bank to inquire and was told that the chargeback was for the check I deposited from Veteran 's United and that the check " was not good. '' I then logged into my Veteran 's United account to review. I noticed in the payment history documentation of an Escrow Refund check being distributed on XX/XX/XXXX for the amount previously stated. There was also a payment made to the mortgage in the same amount, {$1100.00}. 

I contacted Veteran 's United on XX/XX/XXXX in the morning and spoke with an Escrow Department member. I was told that after the letter and check were generated on XX/XX/XXXX, Veteran 's United realized there might not be sufficient funds in my escrow account to cover my upcoming tax and insurance payments. It was stated to me by this team member, " we decided to stop payment on the check we sent you so we could make sure there was enough money for tax and insurance payments. We thought it would be better than your mortgage payment increasing for the remainder of the year. We actually did you a favor. '' There was no communication made to me in writing, electronically, or via phone call to this action. The team member could not speak to why communication did not occur and told me that there was nothing that Veteran 's United could do for me. I asked to speak to a manager or the team member 's supervisor and was told that one was not available but could call back in the next couple of days. When I stated that this was not acceptable and that I would file a complaint both with the CFPB and my State 's Attorney General 's Office, the team member stated that they actually had someone I could speak with. I was on hold for several minutes, and the team member came back on the line and stated that the manager was not available but would contact me by the end of the day. Over 24 hours later, there has not been a phone call from Veteran 's United.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (VA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

Bought house last year. Received tax Bill XX/XX/XXXX and sent it to mortgage company. Mortgage company did not pay the Bill that was due XX/XX/XXXX. There were 2 bills and they did pay one. Called mortgage company, assured the other would be paid. In XXXX, even though it was due in XXXX. called and spoke with an escalation specialist. Her name was XXXX, employee number XXXX. Called mortgage company several times. Checked with city today. Still not paid, although mortgage company says they sent it XXXX XXXX. In the meantime, the county sent a letter saying if not paid by XX/XX/XXXX, a lien will be placed on my property. Called mortgage company again. Spoke with another escalation specialist named XXXX # XXXX. She said money was sent to another department in their company and then sent by USPS. She could not give me a date or any tracking information. 
Company : Amerihome Mortgage, XXXX XXXX XXXX, XXXX NJ XXXX
Consumer complaint received 2021-01-28
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: NAVY FEDERAL CREDIT UNION (GA)

I had a deferment on my auto loan from XXXX, but Navy Federal reported the account late for XXXX and XXXX. The XXXX payment was fixed, but the XXXX payment is still showing 30 days on all of the credit bureaus. I have filed a dispute with XXXX  and contacted Navy Federal who both have not resolved the issue. They both keep referring the call back to the other. Today, I spent over an hour on the phone with Navy Federal being passed around from representative to representative without any resolution and finally landed in a supervisor 's voicemail because she did not want to take my call that was transferred from her subordinate. I have attempted to redispute with XXXX, but their online service is refusing to take additional information from me.