davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: M&T BANK CORPORATION (PA)

In XX/XX/XXXX, my XXXX XXXX was totaled in a hit and run. I was instructed by the finance manager of the dealership that I got the car to not continue car payments to M & T for months after the total loss as it was GAP insurance 's responsibility. My car insurance ( XXXX XXXX ) issued the there payment to M & T in XX/XX/XXXX. GAP insurance was working on the claim and was responsible for the remainder of payments and M & T was aware of that. I have not received any bills, balance remaining statements, breakdowns, final notices, or notifications of the payments made to M & T. I recently was applying for a home loan ( XX/XX/XXXX ) and they had me dispute the M & T loan on my credit report since I knew the balance remaining was not {$12000.00} since GAP paid. After disputing it with each of the credit agencies, on XX/XX/XXXX-XX/XX/XXXX, XXXX, XXXX, and XXXX all updated saying the M & T account was charged off/in collections since XX/XX/XXXX, which I had no notice of. They credit report claims that the amount charged off is {$2500.00}. However, they charged off the amount off {$12000.00}, which, again, was GAP insurance 's responsibility. GAP insurance made their payment on XX/XX/XXXX of {$10000.00}, which is not listed on the credit report either. It states that NO payment have been made since XX/XX/XXXX. Aside from that I was told they couldn't charge off an account if payments had been made, even if it was made by insurance. I, then, didn't receive a remaining balance until XX/XX/XXXX by XXXX XXXX. I've requested a breakdown of these charges from XXXX XXXX, as well, which I have been unable to get from him or anyone else at the company. I've been working with XXXX XXXX, XXXX XXXX, and VP XXXX XXXX routinely since XX/XX/XXXX with no one mentioning this account was charged off. They are aware that I had every intention of paying the remaining amount once all insurance claims were processed. I even offered to pay the balance in full if they would send me a statement of how they got to the remaining balance and for the charge off to be removed from the credit report, as this affected my co-signer 's credit score, too. They denied my request and said although charge-offs can be reversed, they were not going to do so since they feel the bank did nothing wrong. I disagree due the fact that when they charged the account off, I was not forewarned nor had GAP insurance made their payment yet, meaning the financial obligation wasn't mine at that time. I was never offered to set up a payment plan, nor did I receive a final notice. When I finally received my remaining balance on XX/XX/XXXX, I asked for a break down on how they got to that final number, which, again, was denied. They remaining balance does not match what GAP insurance said would be left on the loan nor what I once discussed with XXXX XXXX.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I'm not exactly sure what kind of account was opened but I have never opened an account with USAA. My husband died from XXXX XXXX afflicted XXXX since XXXX  and he would have been the only one to open up a XXXX account. I also had a XXXX XXXX Account opened that XXXX XXXX has investigated and found that it was identity theft. I did not open an account at USAA or XXXX XXXX. since my husband died in XXXX, I have only had 1 regular bank ( XXXX XXXX XXXXXXXX ) and 1 business bank but never any XXXX XXXX.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}
Consumer complaint received 2023-05-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I think the APR ( 149.62 % ) is to much. The loan was for {$2000.00} by the time the loan is paid off I would have paid back {$6000.00}.
Consumer complaint received 2023-05-04
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. (MD)

Did not authorize these companies to access my credit file, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

My problem started last year i started having problems paying my car but i felt like i was in constant contact with Wells Fargo dealer services to let them know of my situation. In XXXX i called the local branch which i was told was located in XXXX, Ca and made a payment and notified i would be calling back in XXXX to make a payment. XXXX came around and i knew that i was still struggling financially so i would not be able to make a payment. I called again the number to the local XXXX branch and told them i would not be able to make a payment u til end of XXXX. They said that was fine. Woke up on XX/XX/XXXX and found my car was gone. I called 2 times and spoke with two agents who were the most unhelpful people ever one of them even told me i needed to listen and at first refused to get me a supervisor. I finally got a hold of a supervisor who gave me some information but told me he could not help me that i would have to call again on Monday XX/XX/XXXX. I called Monday morning and the person has no idea what Im calling for and I the consumer have to tell him who to transfer me to. I finally speak with someone who says they have no information. I am them transferred to the presidents office to file a complaint which i did and i told them my whole story plus some additional concerns i had with the repo of the car. They say great someone will review and call you back within 10 days but you can call tomorrow about your car. I called Tuesday XX/XX/XXXX and they had no information yet. I called Wednesday XX/XX/XXXX and they finally have information but now are telling me my car is being transferred to another location. At this point i ask to only speak with the person handling my complaint. I am told she is in the office so i leave a message asking her to follow up right away. Thursday XX/XX/XXXX comes and i still have not heard back around XXXX pst so i call and am told she is not answering but transferred to a man named XXXX who provides some help but again not much as far as a resolution at this time i ask why it was repo after i made arrangements and am told they have no notes about that conversation or that part of my concern. I finally hear back i friday XXXX from the person handling my claim and again am told they have no record of my arrangements with them. My car should have never been repossessed or they should hve told me in XXXX. They claim they couldnt make any co tact with me but i have one voicemail in XXXX which is what prompted me to call and make those arrangements. They claim they have everything documented yet no one seems to know why i am calling and every person you speak with gives you different information. This has been a horrible experience and the entire company needs better training
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX  XXXX {$970.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX {$270.00}
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company (AZ)

XXXX XXXX XXXX. I do not know what this is for. I believe it is XXXX XXXX  who forces subscribers to open new accounts when you transfer services which I have done twice and have noticed they reported put those accounts into collections after charging me under my old account when I was paying regularly on my new account. In XX/XX/XXXX'17, I had a balance of around {$40.00} plus whatever they charged for a late fee. They waived the late fee and credited my new account {$20.00} and I paid the balance. Now I see this on my report that was reported in XX/XX/XXXX so I can only assume it originated from XXXX.
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (AL)

Within the last six months, I have received a number of letters from JP Morgan Chase and various collection bureaus claiming that I owe more than {$7000.00} in charges on a JP Morgan Chase credit card under the name of XXXX XXXX, asscociated with an addresses in XXXX, XXXX  which my wife and I left in XX/XX/XXXX. Because of my job as a contract employee with the XXXX  ( I was a XXXX XXXX from XXXX and have been contracting with XXXX  since XX/XX/XXXX ). My contracting company is XXXX, based in XXXX, XXXX  ). My work location with XXXX  was changed to XXXX, Alabama where we moved to in later XX/XX/XXXX. I work on the XXXX  XXXX  at the XXXX XXXX. According to the bank, this suspicious credit card was established in XX/XX/XXXX and the charges were made to the credit card, mostly at XXXX  and XXXX  XXXX, in small towns in rural XXXX  and XXXX, over a ten day period in XX/XX/XXXX. At the request of the bank, I filed a police report with the XXXX, XXXX, was interviewed, in person, by an officer, and had a lengthy follow up tel call the following day with a fraud investigator. Like me, they believe I am the victim of an identity theft/phishing expedition. I also had my company provide certified time cards to the bank with definitively establish I was working in XXXX in XXXX. XXXX when the charges were made. I also sent bank establishing where I have been living, in XXXX  and XXXX, since XX/XX/XXXX. Finally, because I have a rather generic and common name ( XXXX XXXX XXXX, I always use my middle initiaXXXX XXXX or XXXX when establishing a credit or debit card. The card in question curiously used XXXX XXXX, something I have never done in over 40 years.
Consumer complaint received 2018-03-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MS)

I admit that I owe something but the loan amount itself should not be more than {$10000.00} then whatever interest it would have accrued over time. 

Also, the student loan company has taken my tax refund on a couple of occasions. One time it was nearly {$8000.00} The contracts they sent me if they are legitimate amount to less than {$10000.00}, nowhere near the {$30000.00} they say I owe. 

Keep in mind ACT student loans must have sold the rights to consolidate and take over my student loan debt to NAVIENT. 

Either way, these amounts are grossly wrong. 

When I was in college my legal name was XXXX XXXX XXXX XXXX. I changed it legally on XX/XX/2013 to XXXX XXXX XXXX XXXX. This will explain the slight difference you'll see. 

I need to have the unfounded student loan debt wiped out and I need for NAVIENT to correct the debt on my credit report immediately. 

As I stated on our call earlier today, NAVIENT is reporting this debt as {$54000.00} to all three credit bureaus ( XXXX XXXX XXXX XXXX ) making it look as though I had a {$30000.00} loan and I went over the balance by {$24000.00} this is a 185 % debt to credit ratio and has been hurting my credit for years. 

I'd like for ... Navient Student Loan Services to ...

1. Provide copies of all student loan agreements/contracts that they say I signed for a total of {$30000.00} 2. I'd like for the true amounts to be recalculated and interest on the new balance corrected for the past 26 years 3. I'd like for my credit reports to reflect all true and factual numbers 4. I'd like for my credit report to reflect the true balance of the actual loan amounts they say I owe to all credit bureaus 5. I'd like for my credit report to reflect the interest as part of the balance and not reflect that I went over the balance by {$24000.00} as it does now. 

Keep in mind that i have hired an attorney to try and get them to do the right thing and they did not provide proof to us about loan amounts, nor did they correct the reporting on my credit reports. 

Please read the above details for more clarity.
Consumer complaint received 2018-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AL)

I applied for Public Service Loan Forgiveness. The form states that you will be notified on how many qualifying payments you have. The purpose of the program is to help to relieve debt of student loans. I originally made my payments to XXXX XXXX services. I had not received any information from XXXX XXXX   Loans so at the beginning of XXXX I went to make my payment to XXXX XXXX XXXX. XXXX XXXX no longer had my information because my loans had been moved over to XXXX XXXX Loans. I created an account for XXXX XXXX Loans and they did not have any of my loans posted. I made a call to XXXX XXXX   Loans on XX/XX/XXXX and the person on the phone stated to me that I would need to make a payment in XXXX that the loans would not be transferred in time to make a XXXX payment. At this point I still had not received any information from XXXX XXXX Loans. My loans were originally due on the XXXX and XXXX of each month with the total of the loans being {$620.00}. I log into XXXX XXXX  Loans this week and it is showing my loans as delinquent and my payment being $ XXXX dollars. I called them again to try to find out what was going on with the loan and why I was told that XXXX would not be due, yet now I am showing as delinquent and they have raised my payment amount without informing me. They said they would do an administrative forbearance and set it up for it to be due in XXXX but the interest would still accrue and that my payment would be more. I explained to them that the whole purpose of me applying for public service loan forgiveness was to owe less not more and that I certainly couldn't afford a higher payment. I said that I was never informed of qualifying or not qualifying for the program that they simply moved my account without informing me of a rise in payment. They went on to tell me that none of the payments I have been making were qualifying payments and that they would have to set me up on a higher payment. I said, " Had anyone told me that was how the program worked I would have simply stayed with the payment plan I already had. '' Additionally, they have not corrected the payment to be made in XXXX so my account is still showing as delinquent. I brought this to their attention today with a phone call and they said they did not have any record of the administrative forbearance at this time.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account Number XXXX 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 a account without my written instructions
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS 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, CA XXXX XXXX CARD XXXX Balance : {$9500.00} XXXX XXXX Balance : {$460.00}
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (UT)

LJ ROSS Assoc, have received the official police reporting showing my identity was used without my permission to open a fraudulent utility account. They sent a letter stating they would cease communication without stating they would cease all attempts to collect the debt owed and removing the account from their record. The police department instructed for me to exercise my rights using CFPB and other agencies to get the matter resolved.
Consumer complaint received 2018-03-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (CA)

Continued follow up to get the gross incompetent Bank of the West to delete their inaccurate and illegal credit reporting for a loan ( # XXXX ) that I paid off in XX/XX/XXXX ( SEE DOCS ) that they decided to start reporting to all three bureaus as a XXXX balance loan but has lates in XX/XX/XXXX and XX/XX/XXXXover three years after the loan was paid off.
Consumer complaint received 2023-05-02
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$98.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 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 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2018-03-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

Company failed to provide adequate information that this loan is in fact mine. They have no chain of custody proof, no validated signature, lack of information proving my responsibility on this loan. They have failed to respond to the attached letter and sent a template reply without any additional information requested.