davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-07
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I had a lease on a toyota XXXX and paid regularly until the lease was expired. I turned the car in. A few weeks later I received a bill for {$720.00} for over mileage. I paid the bill that day and did not hear another thing until last week when I received a notice from XXXX XXXX XXXX saying I had not paid the bill and failed to respond to previous requests. That was the first and only collection notice i received. After extensive investigation involving going to my bank, callint Toyota Financial Services, lexus Financial services, visiting both XXXX and XXXX dealerships, we finally figured out that I had, in fact, paid that bill but, since the lease had been terminated, there was no further account. Thus, the payment was applied to another lease on XXXX. But I was never told that nor was there any way for me to tell. Subsequently, I rolled that lease into another XXXX but was never told anything about the fact that the {$720.00} was applied to that down payment. 
So, after several days, many calls and visits and much aggravation, I called the credit bureau back and paid the {$720.00} again, but extracted a promise that I would receive a letter stating that my credit was cleared and the bill was paid. Instead, I received another collection notice from XXXX XXXX XXXX for {$720.00}. Of course, they are not open during non business hours and I have a day job.
Consumer complaint received 2016-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN INTERNET MORTGAGE (VA)

I am applying for a new mortgage. This is a property that was put under contract as a lease purchase 5 years ago, when the market was not as good. It has come to the end of the lease purchase and I must now complete the purchase. The value of the home has increased over the past 5 years. AIMLOAN had one of their approved appraiser put a value on the house. The loan to value ratio is 45 %. I am only borrowing 45 % of the current value of the loan but AIMLOAN is requiring that I pay Private Mortgage Insurance. Even though I advised the this was not legal and would n't even cover them, because it only covers the first 20 % of the value of the the home, they did n't care and are refusing to close on the loan if I do not purchase the Private Mortgage Insurance.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

On XXXX we were in a car accident in XXXX XXXX where our rental car was totaled and we were charged {$3500.00} XXXX with 15 % tax ( {$520.00} XXXX  ). We submitted a claim with Chase Card Benefit Services and gave them everything they asked us for : copy of the incident report form from XXXX XXXX XXXX, Final rental agreement & receipt including rental dates and charges, pictures of the accident, and statement that showed the covered card was used to pay for the rental. They asked for the cost of repairs so we sent them emails from XXXX XXXX XXXX XXXX where they confirmed the car was not repaired but was deemed total loss and the total payment was the {$3500.00} XXXX  + {$520.00} XXXX  ( 15 % tax ) reflected on the final rental receipt. Card Benefit Services continued to ask us for a Cost Matrix/Estimate of Repair for Damages/Final Repair Bill . We went back and forth with XXXX and with Card Benefits Services and were getting nowhere as this document simply does not exist as the car was not repaired. We sent Card Benefits Services emails from XXXX confirming this and they continued to ask for this. Finally, on XXXX they made a new request for us to provide " Documentation that confirms the renter listed on the rental agreement was an authorized user of the covered card. '' We provided this and on XXXX they again asked for an estimate of repairs. We believe they are acting in bad faith to prolong this process and ask us for documents that do not exist. We have been going back and forth with Card Benefits Services for 6 months now and it is clear they are acting in bad faith.
Consumer complaint received 2016-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TN)

Diversified consultants provided me with documentation that does not state for the debt amount they are asking for which also did not provide me with the documentation of the debt within five days that I contact the company on XXXX/XXXX/2016. When I talk to the original creditor. The original creditor respond to me that it is about another debt. So diversified is using fraudulent papers in order to get me to pay some one else debt. So in order to get this issue resolved. I am asking diversified to immediate delete themselves off my credit report.
Consumer complaint received 2019-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (VA)

Student Loans with stipends have not been dispersed, but we are being charged interest. We are not being provided any information about where our money is, other than we are in " receivership. '' The receiver does not have our money, but evidently it has been distributed by the Department of Education, but it has not been filtered down to the students. Students are being evicted from homes, cars are being repossessed, credit cards are not being paid ( meaning credit is being hurt ), people can not afford food or electricity. We need answers and help now!
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident.
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (VA)

In XX/XX/2017 I obtained a Comenity Bank/XXXX XXXX credit card, I bought a sweater for {$20.00} with such a credit card and mistakenly thought that I make the payment when finally realized my mistake it was to late and the account was already in collections, I was told that because the delay I will have to pay almost three times more of the original debt, I start to make the payments but unfortunately when I was in my last payment of approximately {$20.00} I lost my job and fall in a financial hardship. When I finally was able to recuperate from my situation I contact Second Round ( the colector ) just to find out that they want me to pay {$380.00} from the original {$20.00} witch I already pay approximately {$40.00} I understand i couldn't complete my original settlement but i come across a really hard situation and {$380.00} for an originally {$20.00} debt it seems unfair
Consumer complaint received 2019-06-20
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. (LA)

The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

The issues is I have been given a XXXX determination and have been trying to get my private student loan discharged by Navient. The loan in question has a co-signer, it took me three attempts to find a co-signer that they would accept. At the time of my XXXX I had XXXX private with Navient, they discharged the one that did not have a co-signer and have determined that based on my XXXX I am no longer responsible for the loan. I feel that the co-signer should not be held liable for this debt, because at the time of her signing off on the loan ; I was healthy, going to school full-time and working full-time. So, based on that it was represented to her that I would be able to work and pay off the loan. Navient has decided, that my co-signer is able to repay the loan so they are making her. I feel that in this case the co-signer should not be held liable and the loan discharged just like they did the other XXXX.
Consumer complaint received 2015-11-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (CA)

On XXXX of 2015, I moved fromXXXX XXXX, XXXX XXXX ca XXXX to XXXX XXXX, XXXX XXXX, ca XXXX, my cable co now and then was XXXX XXXX, per thier instruction I left the cable 's equipments on the old home and paid my balance in full, few todays ago I tried to refinance my new home for better rate, I notice I had unpaid debt from XXXX that reported to Credit Controll, so I called XXXX and spoke to XXXX XXXX XXXX, after 10 minutes of researched he did locate the equipment at old resident and noted the account and reported to XXXX XXXX but due to error in reporting me to credit bureaus without notifying and now it costing me almost few hundred dollors amount, XXXX and credit Control must emmedaietly remove this costly reporting error to credit bureaus and FCPB make them to pay penatly for destroying my credit report.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (GA)

XXXX XXXX Consumer/living soul XXXX XXXX XXXX XXXX GA XXXX Cease & Desist Account # Account name I am writing this letter to inform you that I am issuing a cease & desist on this account # & name refer to see attachment Pursuant to state & federal law I am ceasing all Communications on this account through all medium except for paper mail at this address XXXX XXXX XXXX XXXX GA XXXX XXXX me that all activities and removal has been completed refusal to comply with this cease & desist will be continue in lawful action. 

Pursuant to law I did not give you a written or verbal consent to have or shear my personal information. 

Pursuant to law its a violation to have and shear my personal information without consent of any kind. And this action that you have taken has put my life in grave danger by invasion of privacy. 

pursuant to law transaction between the consumer and the person making the report is confidential Pursuant to law it is against the law/violation to be involved in racketeering activities, coercion, fraud & swindle, extortion, discrimination, & aggravated identity theft. 

You have also committed treason, depriving me of life liberty and the pursuit of happiness. 
So please stop reporting this account to the world remove these account seize all publishing activity clear my file of all inaccuracies AND RASE MY SCORE SUBSIQUENCIALLY Ignorance to the law is no reason to break it everyone must follow the law Notice is complete upon delivery This is not a dispute pursuant to your privacy police consent have/has to be given before any shearing takes place YOU HAVE 3 DAYS TO REMEDY THIS REQUEST Yours truly Original creditor XXXX XXXX
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I contacted Kohl 's in reference to never receiving a credit limit increase after having the account for over a year. After hearing what the representative had to say, I stated that I would more than likely close my account once I have reached a {$0.00} balance. At a later date, XX/XX/XXXX, I was attempting to log-in to my account to make a payment. Online was n't working so I called the automated service, only to learn that my account was closed. I was completely surprised, and needless to say, furious! I immediately selected the option to speak to a representative so that I could get to the bottom of this. First, the representative stated the my account was closed, but there was no explanation. Minutes later, he returned to the phone, telling me that my account was closed at my request. I knew without a doubt that I did not make that request. After speaking to the representative and a supervisor, I was told that it could take days for them to retrieve the recording of the XX/XX/XXXX conversation. Days later, I contacted customer service again. This time, I was told that it could take weeks to retrieve the recording. After contacting the corporate office, I finally received a call back from XXXX in the executive office on XX/XX/XXXX. She was pleasant and assured me that she would pull the recording and that I would hear from her no later than XX/XX/XXXX. I never received a call back on Monday so I called her. XX/XX/XXXX, I received a call from XXXX. She stated that the conversation from XX/XX/XXXX was pulled and that I was correct, the employee did in fact close my account without my consent. I was told that my account had been reopened and that someone will speak with that employee. 
With my account being closed for 30 days, a negative reflect on my credit and not being able to use my credit card calls for more than a {$25.00} gift card, which is what she offered after I asked what Kohl 's was going to do to accommodate me for the inconvenience. When asked what I thought was fair, I suggested a line of credit increase or a {$500.00} gift card. I was told that they would not be able to do either, and that the decision was coming from the president 's office. I contacted the corporate office one last time and left a message with XXXX on XX/XX/XXXX. I never received a call back. I have never in my life experienced such horrible customer service, especially when the company is at fault. This is unacceptable!!!
Consumer complaint received 2016-03-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ASSOCIATED BANC-CORP (WI)

XX/XX/XXXX, I was undergoing a traumatic divorce after which, I was left with a house and property that was in foreclosure and outstanding back property taxes. At that time, there was also a death in my family. I told the bank that had my mortgage, that I needed to live in my house and that I fully intended to keep it. I asked for a loan modification. It was a long process because each time I called my bank to get information or status on my modification, they often sent me to numerous departments or took days to call me back. My understanding was that a loan modification was something that banks offered to help alleviate stress and make one 's monthly payments more manageable. They offered only XXXX modification and if I wanted to stay in my house on my property, I was told I had to take their offer, so I signed it under duress. I obtained a quit claim deed from my county to remove my ex-husband from my mortgage. The bank refused to honor it. Further, they did not decrease the interest rate on my mortgage and I am paying interest at an astounding 7.25 %! It 's now XX/XX/XXXX and I 'm STILL having to meet these high monthly payments! Despite me making timely monthly payments ( I set up automatic monthly withdrawals ) at this ungodly rate, I have discovered that my credit rating shows that this bank reported I was behind on my payments since the modification! 
I do not want to refinance with this bank and have sought other banks. However, another bank advised me that I should file a complaint against my bank because when the new institution tried to get information, my mortgage company gave them the run around as well. I was told by other banks that the fees tacked on to my modification ( {$45000.00} due at the end of my loan ), was outrageous. When I asked my mortgage company for refinance information, they sent me a " Uniform Borrower 's Assistance Form '' -for foreclosure! It was as if they had no clue about my loan, that I am up to date with my payments and property taxes, and that I wanted to refinance!! There was also an unresolved question as to why my mortgage company did not use a federal loan and instead used their own in-house loan. Consequently, the bank that I want to refinance with, wo n't offer my refinance until there is resolution with my mortgage company. I DO NOT WANT TO REFINANCE WITH MY ORIGINAL MORTGAGE COMPANY. Another bank believed they could make my monthly payments at least {$500.00} cheaper, per month, than my original modification payments. Every month I am with my original mortgage company, I feel I am losing a minimum of {$500.00} per month. This is outrageous and my mortgage company continues to drag their feet, give me the run around, and give me questionable or incomplete answers. Please help.
Consumer complaint received 2016-04-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MI)

On XXXX XXXX, XXXX I obtained a new XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MI and during the transaction, turned in my XXXX XXXX XXXX in accordance with my lease agreement. The vehicle had no damage and XXXX XXXX took custody of the keys and secured the vehicle on their lot. 

Approx 1 month later I received a bill from Chrysler Capital for {$940.00} with the only explanation being " Excess wear and tear : Body Damage ''. Upon speaking with XXXX from Chrysler Capital on XXXX XXXX, XXXX I requested a detail of the damages and received same on XXXX XXXX, XXXX. 

The damages listed are from a report taken XXXX XXXX, XXXX ( more than 1 weeks after I turned in the vehicle to XXXX XXXX ) at a location in Ohio ( a different state more than XXXX miles from XXXX XXXX ). The report alleges damage that was not present on the vehicle at the time of turn in. 

Chrysler admitted that they failed to do an inspection in a timely manner ( a week later ) but failed to admit that they drove the vehicle out of state prior to the inspection.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I have tried to dispute information within my credit report on Experian 's website ( XXXX ) and have not been successful. The website takes you through a series of steps and then at the end when all of the verification is done and the dispute page is suppose to populate it returns a notice stating that the request can not be honored. Furthermore, at the end of the notice it explains that Experian will not return correspondence. Now how am I to get in touch with the agency? They have no phone number available so that you can speak to someone. The number provided only allows for XXXX options and that is to order a report or give access if you 're a paying customer of some kind of credit monitoring/credit score product. I have been able to dispute the other agencies of XXXX & XXXX because they do n't lock out people if you 're not a paying customer. There is supposed to be a number provided at least to handle issues like this. They can not just deny access to them when they are making your personal information readily available to creditors and others. I mailed them a certified letter and I have not heard from them at all! If they do n't reply to correspondence then how am I to overcome this problem I am having with them. The computer can not solve my problem, but a person can if could get into contact with one. This is criminal and absurd! They purposely do this so that it can drive a wave of paying customers their way. If you do n't pay then you can not talk to anyone within the company to resolve issues. Once the online system locks you out, if you can gain access, then you are deadlocked. Please enforce that they supply a number for individuals who they aggregate data about and share with others. They should not have ever been allowed to have such a setup. I am sure I am not the only one with such a complaint or problem.
Consumer complaint received 2016-12-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (FL)

I 'm receiving calls multiple times a day with only a voice message left by Citibank to contact immediately. When I call they have no record of mine name just phone number. I 've asked repeatedly for them to stop calling but they tell me they can not do that. 

Numbers involved : XXXX XXXX My registered phone number is XXXX they above numbers call me multiple times a day automated. Please help make them stop!
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX XXXX, XXXX XXXX, etc. and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it is going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you