davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

XXXX XXXX XXXX, Account # XXXX I received a letter dated XX/XX/17 form  XXXX stating that I owed them {$400.00}. The letter did not provide an explanation of what this charge represented. When I called XXXX I was told that the charge represented a personal property tax XXXX paid on the vehicle after I turned the vehicle back in. I requested that they send me a copy of the Personal Property Tax bill that they paid and they told me that they would not do that. I stated that I would not pay this invoice unless I received proof that they paid this fee. They again refused saying that obtaining this proof was my problem and said they would pursue collection. I then reiterated my position and told them I would be filing a complaint with CFPB if they pursued collection. To be clear I am willing to pay this bill if I am provided with proof of payment by XXXX.
Consumer complaint received 2017-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

I continually receive calls from Navient Student Loans about an outstanding student loan. The latest calls were received onXX/XX/XXXX ( 1 ) andXX/XX/XXXX ( 2 ). The numbers the calls came from our XXXX and XXXX XXXX. I had informed the CSR on XX/XX/XXXX that I have no outstanding loans and I have no idea why they would be calling me. She stated that she would make a notation in the system, however, my phone number was listed on a loan. When I asked the CSR who had the loan with my phone number on it she would not give me the name of the person. On XX/XX/XXXX I received two calls within two hours of one another. Again, I informed the CSR that I have no loans and again they said they would make a notation in the system. Again, the CRS stated that my phone number was listed on the loan and again she would not give me the name of the person. I am XXXX years old and my student loan has been paid off for years. I would like the calls to stop and would like to know for my credit purposes who is the person that has my phone number on their loan??.
Consumer complaint received 2017-10-12
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. (GA)

I have filed disputes with equifax in XXXX and XXXX, to no avail has any of my information been corrected. My credit file has actually almost completely disappeared, I 've went from 56 trade lines down to 5 trade lines which has hurt my credit standing, caused me to get higher interest rates and/or denied credit. 
I rcvd an email that my most recent dispute has been completed on XXXX/XXXX/XXXX but, I am unable to check to see the results of this dispute due to there system not recognizing me because of the inaccurate information they have. Equifax is reporting incorrect names, phone numbers, and addresses within my credit file, which I have asked that they remove along with some accounts that do not belong to me. I have asked that they send me verification of how all debts in which I have disputed were validated, including the name, address and telephone number, of who they contacted in order to verify the information. I asked to be informed whom they spoke to, did they write to them, was a XXXX form used, or was this through electronic automatic dispute verification and were they able to reach them at the same address/phone number listed on my report, they have neglected to provide me with any of this information. 

Equifax are states they used NexisLexis to validate two public records, A Bankruptcy, and a Tax Lien which reports on my credit report inaccurately, but when I contact XXXX XXXX am told that this information was n't validated through them because it would violate the FCRA, being that they have a credit freeze on my credit file at there company. So this leaves me to believe that Equifax is n't doing proper investigations as they are required to do when a consumer disputes inaccurate information in their credit file.
Consumer complaint received 2017-10-12
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. (MD)

My Equifax Credit score dropped significantly with in the last 2 months. I contacted Equifax customer service representative to try to rectify the problem. I never had my credit scores to drop 172 points in a weeks time.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I settled a XXXX XXXX XXXXXXXX account for less than full balance and was n't sent a XXXX. 
This company should no longer be reporting negatively on my credit reports. Please have this deleted immediately.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Coinbase is a fraud. They state on their website withdrawal timeline for wires as 1 business day. Upon making the withdrawal, I have received the email stating that the wire might be delayed 3 business days. 
I made the withdrawal request on XXXX XXXX, 2017 and still have not received my funds. Their customer service is a disaster! The wait to have my call answered was over 1.5 hours and then the representative was not able to provide me with any answers.

The only thing I have found out is that they have delays up to 3 business days. 
Well, it has been 6 days and the funds are still not available. This brings the question of Coinbase 's  liquidity situation and how they handle this type of problems. I 'm only trying to withdraw {$1500.00}. Imagine trying to withdraw 1mln .... 
If my funds are not delivered shortly, I will be taking legal action. 
I 'm most definitely closing my account with them.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have taken the following steps : Between yesterday, XX/XX/XXXX and today, XX/XX/XXXX, I have spent over 2 1/2 hours on hold on three various telephone numbers ( XXXX. I held on for forty-five minutes yesterday ; XXXX I held on for one hour fifteen minutes today ; XXXX I held on for fifteen minutes today, only to have a recording tell me that he could not help me ) I then spent approximately one hour on the disputes website attempting to file a dispute, three times only to find that, after submitting, that the supporting documentation had to be a PDF file and I was timed out ( I was only online for approximately 5-10 minutes before being timed out ), I then converted my document to PDF and re-entered the website submitting the information all over again, and then received a flag that I was over the one thousand character limit, which had not been noted on the box provided for explanations and after 5 to 10 minutes editing the number of characters, I was timed out again. I attempted to resubmit a third time and I received a flag that I had exceeded the number of views for my report number and it would not allow me to go back online to submit a dispute. 

I have found Experian service to be highly unsatisfactory, disturbing, and non-consumer oriented. This is as professional opinion as I can render. The experience has been horrific to say the least. A company that deals with consumer credit like this should not be allowed to operate. I say this with a heavy heart and I do not say this lightly. 

The following is the information I am seeking to have corrected : I am writing to you with regards to report number : XXXX. 
Noted on page 23 of twenty-four of this report is : This address may be perceived as high risk since it is a nonresidential address : XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX. 

My address is correct : XXXX XXXX XXXX XXXX XXXX FL XXXX. 

However, there is no XXXX XXXX XXXX nor is it a commercial address. It is a residential address only. 

I conducted a web search for XXXX XXXX XXXX  and was unsuccessful in finding that particular company or any company associated with my address. I attempted to attach supporting documentation, however, as previously noted, I was timed out and ultimately locked out from the Experian dispute website. 

I am seeking to have the Notices section of the report and my credit information corrected to reflect it that it is a residential address. 

Thank you, XXXX XXXX
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NY)

My payment history is being reported to other banks incorrectly. We are attempting to refinance our XXXX XXXX mortgage. Seterus is stating that we have been past due. we modified our mortgage after our bankruptcy and now our mortgage is current. We have made our payments on time since XX/XX/XXXX-XX/XX/XXXX. I would like a letter stating that payments were made on the XXXX of each month. Thank you XXXX XXXX XXXX Loan # XXXX XXXX
Consumer complaint received 2017-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (UT)

Fed Loans is reporting late payments in XX/XX/XXXX & XX/XX/XXXXthat are not accurate. I am constantly fighting with them and calling them with issues. I have not been late, they have been on an Income Based re- payment plan, for 5 yrs! I have to re-apply every year to get them my info and I do it, IN ADVANCE every year. This year they only lost my paperwork 3 times. I do everything I am  supposed to, when I am supposed to yet they get to do whatever they want and cause me late payments which are erroneous.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I previously made a complaint through this website onXX/XX/XXXX/2017.  The company responded that they closed the account and would adjust my statement to reflect I had no available credit balance. To date they have not adjusted my statement - which still reflects an available credit of {$2400.00}. I believe 3 billing cycles is more then enough time to close the account and adjust my statement reflect properly reflect this closure. Either the account is closed - or it is not. I would like Santander to say one way or another and stand behind that decision.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC (UT)

XXXX XXXX XXXX have been reporting and attempting to collect a debt that is not mine. They claim it is from some company called RISE, when I look them up it is some type of loan place. I have never one time done business with that company nor did I ever sign anything. I do have a common name & have had my identity stolen. 
My credit is very good and I pride myself in having good credit. This account that is NOT mine I have been fighting this collection company for so long trying to get them to prove to me that it is mine. They have yet to prove it and it was affecting my business & financing that I was forced to pay the debt recently. 
I demand they prove it is mine still! I have an attorney and will pursue legal action due to their practices.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (TX)

Car was flooded last year in the disaster that happened here in XXXX. I was told to bring vehicle to car shop. I did and the car was declared a total loss. I have contacted XXXX XXXX many times to tell them the vehicle is not drivable and theres nothing I can do about it. I have even sent them documentation of a report from the auto shop to prove its totaled. No one has came to get vehicle and they are still reporting negative on my report.
Consumer complaint received 2024-08-29
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from Transunion, XXXX and XXXX. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.
Consumer complaint received 2017-12-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

USAA FSB is reporting a charge off on my credit report even though it was not charged off. I have been current and have not missed a payment. I have tried for years to get this fixed and it seems nobody can help nor do they know what they are doing.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-18
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)

I noticed some accounts on my credit that are not mine. They are dropping my credit. They show me as an authorized user. I never authorized anyone to put me on their credit. I contacted the creditors and they stated that they will remove me but I have to dispute it with the Bureaus. XXXX  and Experian are just ignoring my disputes. It has been 62 days now and they refuse to remove this from my credit
Consumer complaint received 2017-12-18
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. (MA)

there were several inquiries in my credit on XX/X/17 regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I noticed some accounts on my credit that are not mine. They are dropping my credit. They show me as an authorized user. I never authorized anyone to put me on their credit. I contacted the creditors and they stated that they will remove me but I have to dispute it with the Bureaus. Equifax and XXXX are just ignoring my disputes. It has been 62 days now and they refuse to remove this from my credit
Consumer complaint received 2017-12-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (ID)

Cash Central ( XXXX XXXX XXXX ) - a pay day loan company made a fraudualent loan to an online applicant using my stolen identity. They did not do any due diligience when lending the funds - did not call my employer or any of the telephone numbers reported on my credit reports, did not call check the account that they sent the laon funds to were mine. I had fraud alerts filed with two of three agencies and was working on the third due to XXXX breach. After notifing Cash Central that loan was fraudulent they issued a " civil action '' that shows on my credit report. 
Any due diligience on their part during the applicaiton process would easily have identified that I would OBVIOUSLY not apply for a pay day loan with high fees and rates. My credit reports all show larges amounts of available credit with banks and reputable institutions that have reasonable rates. 
I have filed their Complaint paperwork along with ID and the FTC victim of identity theft letter, and they are still arguing that I need to provide additional information. They want a police report and notifized statements, all time consuming and unreasonable when they did nothing to protect a consumers from this type of fraud. They have not provided me with any information I requested, like copies of the loan application and proof that money went into my accounts, " that is confidential information '' is their response. Whose confidenial information is it if not mine when they made this loan in my name?
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (ID)

I needed to open a account for direct deposit, was unable to as I had no previous account. My daughter had a account with Zions bank which I was able to use to get history, so I was able to open my own account apx. 6 months later at that time, I was to be taken off of her account, we never followed up to make sure it was done. I am not sure when this all transpired as it has been a long time ago. My daughter lost her income and was not able to keep that account, which put it in default. She closed it and filed bankruptcy and the account was included in it, and the bankruptcy was dismissed on XXXX. Jump to XXXX of XXXX I was called as to what I was going to do about this account. The gentleman was very rude in his conversation as I told him it was done through the bankruptcy, that I had nothing to do with that account and since no one disputed the judgment, it was taken care of. Now that I will not talk to him about this, he will reverse my payments that I make and put the money back in my account, if I do n't keep on top of it, my payment will not be made, which could cost me my job as one of the payments he reversed was for my phone, if I do n't have a phone I do n't have a job, company policy. But it could create a lot more issues with my credit. I 've tried to talk with him but the last time, words were said on both sides, and I do n't see any resolution with speaking with him, and my bank said to contact you with regards to this matter, I thank you for your time XXXX
Consumer complaint received 2017-12-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. ()

Hi there, I took out student loans with XXXX XXXX which are now services by Navient. Since I started re-payments, my account has been a mess and the payments have been misapplied and I have been defaulted apparently and they have then re-applied them after I have complained. 

Recently, i have looked into this further and they have misapplied my payments throughout XXXX and once they no longer accepted by XXXX debit card for payment as it was deemed a credit card on their system, i was left with no help trying to get payment to them and XXXX options since I do not have a XXXX bank account. I found an alternative to this by using a transferwise.com website to make payment to their lock box account. The representative that helped me set that up in XXXX also confirmed that I should be making a lower payment which i questioned and he confirmed that I should be paying the lower amount. I then found out that all my loans are in default because the amount i was to be paying is incorrect and not covering all loans. I have requested numerous times to have these calls researched and have complained and nothing still has been done. 

I am now in the US for the holidays and wanted to rectify the matter and was just told from their staff they can a request research yet again into the problem but that they could n't take any payment today or help me. I am a XXXX XXXX XXXX woman who has had both federal loans which are paid off now and private loans from XXXX XXXX for education in the XXXX and I feel like I am being cheated by Navient with bad information and also with the constant misapplied payments. I am trying to pay these off and probably are in a lucky position where I can make payments every month however I feel that the company are acting illegally and i am being penalized for this. 

I feel that I have no other option other to contact you to complain and to gain advice. I am in the US until the XXXX XXXX and I understand you may receive thousands of complaints from Navient but would really appreciate you getting in touch before I leave the country. The best contact number to reach me on is XXXX. The above I hope is a snapshot of the issue and hope you find it to be of some clarity. 

Many thanks, XXXX XXXX