davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I logged onto the Toyota Financial Services website on XX/XX/XXXX to request a payoff for my auto loan. I had previously made an additional principal payment to the loan on XX/XX/XXXX. I immediately made the payment quoted of {$4600.00}. The payoff was good through almost the end of XXXX. After receiving and banking my funds Toyota has decided to tell me that I owe an additional {$280.00} because they made an error in calculating the payoff I was given in writing. 

My loan was paid 2 months in advance with multiple additional principal payments made prior to the XX/XX/XXXX payment. I have absolutely no confidence in this company 's accounting. The error was made on their part. I have no control over the inner workings of this corporation. I want them to provide me with the title to my vehicle because I have paid them the amount that they demanded.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY ()

Since the bank informed me in early XXXX that they will not entertain accounts for non-residents any more I am trying to transfer my balance ( medium XXXX XXXX  ) to another account in the XXXXXXXX XXXX  to today that could not be done due to restrictions imposed by the bank on the total of monthly transfers. Mountains of correspondence, lots of phone calls did not bring about a solution, a notarized form calling for the cancellation of the account and transfer of the balance sent on XX/XX/XXXX has not have any results either. It is in my opinion inconceivable that such easy and normal transactions can not be executed in a reasonable time and customers therefore can not dispose of money rightfully theirs.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My identity was stolen last year when my vehicle was broken into and my credit has been getting randomly ran for things since then I filed a police report, but have still been having issues in this regard. Also my infirmation has come up in various data breaches recently. Inquiries are showing on my credit report that I did not initiate nor approve and they are not tied to any accounts of mine. I called TransUnion and they have been no help removing these fraudulent inquiries.
Consumer complaint received 2022-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

in XXXX my student loans with Nelnet were put in forbearance due to hardship. I was told by the representative that they would stay in forbearance for 1 year based on my income. Instead the representative put my loans in a 1 month deferment. I then moved and by the time I got settled into my new state and mail forwarded. I received notification that my loans were past due. Confused, I got through the same process! I still have the emails sent to the student loan provider in XXXX and XXXX showing I was on food stamps, XXXX and met the income qualifications to stay in a 1 year forbearance. Keep in mind these calls are supposedly recorded and documented so there should never be an issue. I provided the documentation on several occasions between XXXX showing that I could not financially afford to pay back my loans. I was told each time they would be in forbearance based on my income, proof of government assistance such as XXXX, XXXX XXXX, XXXX XXXX and household size. Yet these representatives instead of helping me kept putting my loans in 1 month deferments. It took returning to school and finally speaking with a helpful representative to put my loans in the income based repayment program in XXXX. My issue is this late payment history that was no fault of my own has been negatively effecting my credit report for years. I have disputed, called, and sent a XXXX letter. I am a XXXX  and Veteran and completely disappointed with how I was treated by this lender and the false information portrayed on my credit. Costing me thousands a year in predatory interest and directly effecting my ability to obtain new credit. keeping me in a position of hardship for years. The dates for these so called late payments do not even match on all 3 bureaus.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX/XXXX  XXXX never late XXXX   XXXX inaccurate/not mine XXXX  XXXX XXXX XXXX never late How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. 
My address is XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1975, and my social security number 's last XXXX digits are XXXX. The FTC report number related to this complaint is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 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.
Consumer complaint received 2022-08-08
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: Open Dealer Exchange, LLC (KY)

Good Afternoon, On XX/XX/2022 I was searching for a car online and contacted XXXX XXXX XXXX XXXX about a vehicle that I was interested in purchasing. I called and asked if the vehicle that I was interested in was still available and they advised that it was and asked if I would like to make an appointment. I advised that I did and set an appointment over the phone for that evening. During the phone conversation I was asked to provide my address, and I asked why I was being asked of this and I was told that it had to be input into their appointment system to go to the next screen to confirm an appointment. They asked me if I would be financing with them and I said absolutely not. I gave them my address to confirm my appointment and then almost immediately after hanging up the phone I received an email from XXXX stating that I was Pre-Approved for financing at XXXX XXXX XXXX XXXX. At no time did I provide my social security number to the business and I never opted in to receive any type of financing whatsoever. I immediately called the car dealership ( XXXX XXXX XXXX ) back and told them about the email. They advised that they are using a new service that sends blast emails to individuals once an appointment is made, but ensured me that my credit was not ran, because they did not have any of my information or consent to do so. I told them I am not very happy with the way that my privacy was handled and that I would not be doing any further business with them because of this situation. They asked me to send them a copy of the email that I received, as if they were unaware of the email blast that their new system was generating so I did and told them that I would not be doing business with them going forward. 

XX/XX/2022 : I received the same communication in my physical mailbox stating that I had been pre-approved for financing for XXXX XXXX XXXX XXXX. I have not yet seen this on my credit report and hope not to, but I wanted to reach out because the marketing practices do not seem to be legal. I have attached all of the emails I received to this complaint, but please feel free to reach out to me further for any more information. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (TX)

I have gone through my annual check at my XXXX  XXXX. They had a tie up with XXXX  XXXX. I have paid my co-pay amount at the time of payment. 

All of a sudden, XXXX XXXX start following up for the {$21.00}. I have been unnecessary follow up to pay this amount and literary harnessed by XXXX & now Credit Control , LLC. 

These agencies are giving threat of reporting to my credit and spoil my credit records. 
It`s stressful situation for me. 

These companies are behaving like they have no control and keep harassing clients without evaluating situations.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC. (FL)

To whom it may concern my name is XXXX XXXX I received a notice from my bank XXXX XXXX years ago stating they were asked to take all the founds out of my acct ( XXXX XXXX ). When I asked my bank they informed me to contact the clerk of courts. upon contacting them I was shown how to complete paperwork to submit to the courts. Now this company named ( Midland Credit Management ) ( XXXX ) act # XXXX has contact my job to garnish my wages, I was told to go to the courts and submit the same paperwork again. A. court date was sent that no one informed me about, I need help I am being told a credit card open on XX/XX/XXXX with a charged off date XX/XX/XXXX with a current judgement principle XXXX, current interstate of XXXX with current cost of XXXX total of XXXX. This debt doesn't belong to me and this is all the information this company in sending me can you help me please XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I am writing to formally dispute an entry on my ChexSystems report that I believe is inaccurate and has been incorrectly reported by XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I attempted to open a Trust Account at XXXX XXXX XXXX XXXX, only to discover that there was an outstanding balance of {$160.00} reported by XXXX XXXX XXXX XXXX from XXXX. I was unaware of this account or any associated charges and was surprised to learn that it was listed as an unpaid obligation on my ChexSystems report. 

Upon further investigation, I contacted XXXX XXXX XXXX XXXX, where a representative informed me that the charge had passed the statute of limitations for collection, and as such, XXXX XXXX XXXX XXXX would be removing it from their internal records. However, despite XXXX XXXX XXXX XXXX acknowledgment that they will void the charge in their system, the negative entry remains on my ChexSystems report. 

I am perplexed by this situation, as XXXX XXXX XXXX XXXX has confirmed that they will no longer pursue collection of this debt, and the amount in question is no longer collectible due to the statute of limitations. Despite this, ChexSystems continues to reflect this erroneous charge, which is preventing me from opening an account at XXXX XXXX XXXX XXXX. 

To resolve this matter, I respectfully request that ChexSystems update my report to reflect the accurate status of this charge, as confirmed by XXXX XXXX XXXX XXXX. I am also requesting that ChexSystems remove this negative entry from my report, as it was reported in error, and my conversation with XXXX XXXX XXXX XXXX  that supports my claim. 

Please review this information and have Chex System update my report accordingly. 

I appreciate your prompt attention to this matter and look forward to its swift resolution. Should you need further clarification, I am happy to provide it. 

Thank you for your time and assistance in advance.
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

on XX/XX/2022 I filed a complaint thru the CFPB against TransUnion complaint # XXXX & stated that US DEPT of ED had fraudulent accounts on my credit profile that need to be removed immediately. I also included a copy of my police report My complaint was supposedly " investigated '' however these items STILL remain on my report : DEPT OF EDXXXX XXXX balance {$0.00} DEPT OF EDXXXX XXXX balance {$0.00} US DEPT OF EDUCATION XXXX balance {$0.00} TransUnions response to my CFPB complaint was XXXX we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. Based on your request to add an extended fraud alert to your credit report, we sent you a letter to confirm the alert has been added ' How exactly did the creditors 'verify ' my information?? 
And I did NOT ask for a Fraud Alert to be placed on my credit report either According to 15 USC 1681 a3, you ( TransUnion ) assumed this role without permission, not only that you ( TransUnion ), did NOT have my consent.

You ( TransUnion ), did NOT respect my right to privacy which is stated under 15 USC 1681 a4. You ( TransUnion ), did NOT exercise your grave responsibility, you were unfair, AND you were partial.

If this is not resolved to my satisfaction this time I do plan to file a complaint with the Attorney General.

You ( TransUnion ), never had a permissible purpose Under 1681 b2.

I never instructed you to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

DEPT OF EDXXXX XXXX balance {$0.00} DEPT OF EDXXXX XXXX balance {$0.00} US DEPT OF EDUCATION XXXX balance {$0.00} You can also delete any old names, addresses and phone numbers completely.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$10000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this deb XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (SC)

Follow-up to case # XXXX - I have not been able to get any answers through Ally, I have spoken to several people, over and over again. No one seems to know what to do. I am having to repeat the entire situation with every single person I discuss the problem with only to be told I need to speak to another department. At that point I am either given another phone number to call or I am transferred. Then the cycle repeats itself all over again. I have been trying to resolve this issue with Ally since the first week of XXXX ( 4 months ) During several of the conversations with different people, I tried explaining that the dealer at one point would be willing to purchase the vehicle back for XXXX. Not an ideal situation for me however, better than the XXXX that I just received notice for which Ally sold the car for on XX/XX/XXXX, leaving me with a XXXXdeficiency balance. 

I do not understand why Ally had not tried to help me sort out my concerns and explore options for me to continue with my loan. Isn't that why most financial institutions call it their Repo AND REDEMPTION department. The only thing they sent me was a notification that they were going to sell it and then another notification that it sold. I tried numerous times to discuss my loan and my options but received no reasonable assistance even in the way of deferment, repayment schedules or refinance, all of which is commonplace in the automotive lending space. Additionally, Lenders are obligated to investigate and take action if a customer claims false pretext by the dealer as it relates to the sale of the vehicle to the customer. Ally did not. 

I am actually on the phone now with Ally, I have spoken to 3 different people already, and I am now getting transferred again. Can someone PLEASE help me with this already? ... ... ... So, I was transferred to the collections department, where the lady cut me off because she didn't want to hear my story, told me it's not Ally 's responsibility to assist me. That I needed to take it up with the dealer.