davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I got my XXXX car loan from XXXX XXXX and had a credit score of XXXX at the time. I was told by the manager that my credit score is extremely low and that only the financial institution of Toyota would give me a car loan. He told me that he made efforts for a low interest rate of 19.34 % which I still have up to know. I told him that was very high but he strike back saying I am only making a {$4000.00} deposit on a {$33000.00} car and that I would be able to lower my interest rate after one year. I later found out that ( lowering interest rate ) was a lie because when I called Toyota they directed me to other unknown loaners who ended up messing my credit score more  without even lowering my interest rate XXXX cent. 
A friend to mine who lives in California told me Toyota and other financial institutions and car dealers were found guilty of discriminatory car loans to XXXX XXXX and that I should get in touch with the Consumer Bureau. I am XXXX XXXX and I am not making an accusation about Toyota of racial discrimination, but I would like to find out when I was given my car on loan on XXXX XXXX for a XXXX Toyota Highlander, was a 19.35 % loan acceptable or discriminatory. I have so far ask a lot of drivers in the same situation but I find it curious that some people with worst credit than mine had better interest than me from different Toyota dealers.
Consumer complaint received 2023-07-03
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-01-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Best Buy credit cards services has been charging me a fee for Debt protection for the last 10 years. I did not sign up for this program and when I found out I was being charged I cancelled the program and asked for proof of enrollment. Citi bank debt protection is consistently telling me to wait 30 days and they will mail me information about the refund or proof of enrollment. I have waited the 30 days and now they are telling me I am having to wait another 30 day waiting period.
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (FL)

UNFURTUNALLY ON XXXX/XXXX/2018 COLLECTION AGENCY GOLD KEY WANTS TO COLLECT AMOUNT THAT I DONT OWN AND THEY DONT WANT, TOTALLY REFUSED AND OMITING TO PROVIDE PROOF OF THAT DEBT ALL WAHT THEY SEND IS A BILL FROM THE XXXX AND A BILL FROM THEM. 
IS INCREDIBLE THAT THEY DONT PROVIDED PROOF OF ANYTHING AND THEY TRYING TO COLLECT MONEY FROM NOTHING.
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CBV Collection Services Ltd. ()

On X/XX/2018 at XXXX XXXX, a representative from this number : XXXX called, as they have done prior, earlier than allowed. I spoke with the representative briefly about this. not being acceptable to do, when the call dropped.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX is still on my credit report and they have sent me a letter months ago saying they were going to remove it. I am in the process of retaining my lawyer to take Experian to court but I do not want to drag XXXX XXXX into this since their investigation did find the account fraudulent. Contact them and they will tell you.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paragon Credit Services (AZ)

The Credit Repair agency owner called my previous device in which I no longer have and has been given to a family member because I could not afford and left a voicemail calling me a coward for no paying what I owed even though I was told the money could be refunded for satisfaction guarantee and also stated account specific sensitive information in the voicemail. Also threatened to report to all XXXX credit agencies and hire an attorney to garnish my wages. Then he began to question my position in my company stating he does not know what kind of company I can be the head of because I am a coward and had funds reversed from their company. They have not sent me myself any communications through email which they have as well as anything to notify me of the fact I can not reverse the satisfaction guarantee funds.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CT)

XXXX and XXXX XXXX XXXX are on my credit reports. the problem is they both say different amounts and limits. I sent them each debt validation letter, have not recieved anything from XXXX but they extended sol to XXXX. It seems funny that portfolio sol is XX/XX/XXXX.Did recieve doc from XXXX, just what credit report says. Trying inprove credit, these were long ago. Just do n't remember.
Consumer complaint received 2015-12-20
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (FL)

On XXXX XXXX 2015 I applied for a mortgage with PNC bank. At that time I explained to the mortgage broker XXXX XXXX that I was in a chapter XXXX bankruptcy more then 2 years ago. He explained under the rules to secure a VA home loan the bankruptcy timeline is 12 months for chapter XXXX and 24 months for chapter XXXX. This information is Identical to what Ive been told by other banks as well. Secondly I also explained that I 've been offered other loans at a interest rate of about XXXX and was looking for a better rate. He said with PNC I would be looking at rate of bout XXXX and PNC would cover the closing cost which would allow me to secure loan without any closing cost or down payments. Based on this information I said go ahead and run my credit. After he ran my credit he sent a pre-qualification letter at XXXX and a interest of XXXX. I sent in all the requested personal and private documents as requested. I then proceeded to shop for a home and eventually signed a contract. About a week later I contacted XXXX about the loan status and he explained the loan was denied. My point problem is that XXXX mis-represented his ability to secure a loan and PNC bank is advertising its ability to secure VA home loans and not following the guidelines when it come to past bankruptcy, debt to income ratio and credit score. Secondly the underwriter is unaware that non taxable income should be listed at 125 % when it come to DTI ratio for mortgage loans and in my case a XXXX loan would be ok. Finally PNC penalize me for shopping for a car loan and mortgage loans and as I understand the rules mortgage loans and car loans completed withing 30 days should be treated as XXXX inquiry.
Consumer complaint received 2023-07-03
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Experian Information Solutions Inc. (CA)

Experian ( and I suspect all XXXX credit agencies ) have decreased my credit score because an older unpaid loan from XXXX ( XXXX Account Number : XXXX, ) that had passed the time frame to affect my credit score, was purchased by XXXX ( XXXX, CA XXXX XXXX Account Number:XXXX 
This loan is too old to ( again ) affect my credit score. They are treating it like a new default and decreasing my credit score and ability to borrow. I believe that that is illegal. 
Besides, as I have recurrently argued, the property involved belongs to XXXX ( who informs me that there has been no foreclosure filed! ) XXXX somehow got the property in his name and left me with the mortgage ... ..
Consumer complaint received 2016-01-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I 've spoken to numerous representatives, supervisors and managers. All with inconsistent statements regarding my account. Some say I 'm current others say I 'm not. I 'd graduated in 2010 with a XXXX and after my deferment period, I 've commenced making payments via a payment plan. I was told that my payments will cover all loans owed. 

Recently I 've been unemployed ; however, I was able to maintain my payments. Within one ( 1 ) month, I 've spoken to several representatives and a manager with inconsistent statements. They all claim loan number XXXX ( XXXX ) is late but can not tell me exactly when I was late so I can perform research and compare my bank statements for accuracy. This loan has been reported to my credit bureau as late ; however, several representatives reviewed my account and stated that my payments were not applied correctly or misallocated causing a " late '' status on XXXX XXXX/Navient 's computer systems and derogatory information reported on my credit reports. 
The representatives offered forbearances which will generate additional interest. This is without merit due to my loans being paid on time. I 've previously disputed the " late '' accuracy multiple times through representatives, managers and Navient 's Office of Student Advocate with no avail, no ownership nor follow-up. 
I 've been unemployed for at least four ( 4 ) months and during my job search within the banking industry, my credit score will make the difference of obtaining a position. I 'm more than qualified for the positions I 've applied to ; therefore, I have no choice but to assume my credit score due to the inaccurate reporting by your company for loan # XXXX is the deciding factor. 

In addition, a representative recently deceived me into believing I was enrolled in a new payment plan when in reality I was set up to pay {$1200.00} a month automatically debited from my bank account, which is out of my payment capabilities. I 'm frustrated and exhausted with this lengthy and time-consuming struggle with your company to resolve this matter.
Consumer complaint received 2019-07-16
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. ()

TransUnion incorrectly reports a derogative mark about {$78.00} debt from XXXX sent to collection agency since XX/XX/XXXX. As I no longer live in the XXXX since XX/XX/XXXX, I have no means to request credit report or derogative mark details or contact TriansUnion to start a dispute
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I sold my home secured by a mortgage that Chase was servicing on XX/XX/2019. After about 10 days I looked up my mortgage and discovered that it had not been paid off. The title company investigated and Chase mortgage eventually admitted that they got the payoff XXXX  with a cover letter but it had no check in the package. 

As a result of this, my payoff was delayed and the title company had to issue a new remittance with a XX/XX/XXXX payoff date as required by Chase. This error cost me about {$420.00} in interest plus a {$50.00} late fee. 

The loan is now paid off but I asked Chase to explain to me why they did not call me or the title company so the problem could have been fixed on XX/XX/XXXX when the XXXX  was received. Their response was basically we do not do this and tough luck for you. 

I am complaining about the failure to notify me when they supposedly received a payoff letter with no check and the terrible service level that cost me a significant amount of money.
Consumer complaint received 2021-01-18
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: PDQ Services, Inc. (GA)

PDQ Services is reporting a debt on my credit file that I do not owe. This debt is extremely old. I have checked with my Attorney General and found out that this debt is actually past the statue of limitation in Georgia. Not only that, this account is also past the credit reporting limit. This account was never verified to me, and I do not owe this! It needs to be removed off my credit report immediately.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (OH)

XX/XX/XXXX, I noticed fraudulent charges on my CitiBank credit card account, and called to dispute charges and cancel the account. The dispute was resolved successfully, and they issued me a new card. I paid the credit card balance in full, and within days of receiving the new card, I noticed an additional fraudulent charge in the amount of {$67.00} under the new account number ( I had never used the new card or made any purchases ). The charge was for a ride sharing service in California ; I live in Ohio and have not been to California. I immediately called to report the charge and cancel the account ( XX/XX/XXXX ). They informed me that I would not be held responsible for the additional charge. It is now XX/XX/2016 and the charge remains on my account and I have not received any information from Citibank.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

We have already submitted the complaint on XXXX XXXX # XXXX and it still has not been resolved. The continue to allocate the payment as follows.They take out the minimum on the revolving charge and allocate the balance on the promotion. I have called and even spoke to an executive XXXX XXXX XXXX XXXX XXXX and assured me the allocation will be as follow. Pay the entire revolving charge in full and any balance reduce the promotion. My latest statement show they have not done this and continued to allocate in a way I believe is fraud. 
Please help in this situation. XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-01-18
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: CITIBANK, N.A. (IL)

On XX/XX/XXXXI attempted to open a XXXX XXXX  card and was told this was approved- I did not use this card much but when attempted to use it I was told this was actually not approved or opened and that I would need to reapply for a store card- so I went ahead and did again on XX/XX/XXXX- at which point I was told this card was denied, there was no hard credit inquiry that is conducted and that I was not going to have this appear on my report. I am beyond angry and frustrated- I spoke with a XXXX as well as XXXX XXXX XXXX , and XXXX  each on different times stopping by XXXX XXXX or calling in and calling from their help desk to their credit card operators lines to find out why this happened and why my credit report is still reflecting inquiries when I was told this would not occur and was lied to. I am very frustrated as onXX/XX/XXXX, I was told this card went through and when I tried to use it it did not work, I was beyond embarrassed and felt very XXXX I am very disheartened and upset that XXXX XXXX did not help me resolve this matter and am very frustrated that this has negatively impacted my credit score and also impacted my life. Please help.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (KY)

Dear CFPB : Issue : The Macys charge account reported to the XXXX bureau before the first billing cycle due. In fact, I have not received the first statement. 
( This is incorrect information in reporting that communicates I did not pay off this debt ; within billing cycle due. [ This is not accurate ; furthermore, negatively affect the overall credit score ) This is a violation of my consumer rights ]. 

Action : XX/XX/2022 around XXXX and XXXX at XXXX ( XXXX ) XXXX. 
I called Macys credit account customer service twice. The first time I spoke with a representative, and second call I spoke with a supervisor [ both calls are recorded ]. 

Research : I have four credit accounts, and no other organizations reports to credit bureaus prior to first billing due date. 

Desired Result : The Macys charge account correct this error ( to XXXX [ XXXX and XXXX ], and report after first billing cycle due. 

I appreciate your time to read, investigate, mediate, and to achieve desired result. 

Respectfully, - XXXX XXXX
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (TX)

I submitted complaint XXXX and it was sent to compass bank on XXXX. They have exceeded their required acknowledgment time of 3 business days. I have not heard anything. 

Yesterday I was charged an additional overdraft fee because they attempted to " transfer '' {$25.00} from my checking account ( that I have been trying to close for over a month ) to my closed savings. The fees they are charging because I am attempting to close my accounts are predatory and illegal.
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (CA)

On XXXX XXXX I estalbished an account with frontier communications they came to my home on XX/XX/2019. I was not at home when installing but my mother was there and she connected her computer to the wifi it work after the guy installed it. When I came home the internet was not working and I could not connect to the wifi. I tried rebooting with reset button and it would never connect to my laptop. The next day I called for trouble shooting and waited in line for them to tell me they would call me back within 24 hrs and no one ever did. I called back 2 days later ( went out of town ) I waitied on hold for 30 mins to do trouble shoot what was the issue. She told me she was giving me credit on the bill because my services were not working when asked what was my solutions because i wanted to cancel services because there were connections issues and didnt like I how I was treated with the hold time and no one not knowing how to fix my issue. I am now seeing on my report that they have placed me on collecetions for servoces that never worked and they promised they closed the bill and i was not going to be charged.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A charge from XXXX appeared on my XX/XX/XXXX statement. It was billing on XX/XX/XXXX. I called XXXX  to get details. I did not purchase the item they outlined, so I disputed it with Bank of America. They mailed me a letter the next week saying they were investigating and that I needed to take no more action at that time. I then got a letter written onXX/XX/XXXXstating that they could not get in contact with me to get further information, and so I would be charged the amount on the disputed charge. I then called the question/help line for more information.

It turns out that they had tried twice, on XX/XX/XXXX and XX/XX/XXXX, ( I only have a recording forXX/XX/XXXX) to contact me by phone. They left messages on a line I have to admit I do n't always check regularly. Because I did n't respond, they closed the case on XX/XX/XXXX and told me that they would not investigate further. I now have to pay the {$340.00}.

I realize that not checking my messages during those few days was my error. However, I have used this card for years and have been a loyal customer. It also seems shady that they called me two days before the time runs out to investigate. I got no email ( even though I marked that as a preference for communication ), and no further letters regarding the matter. I will keep the card so it does n't impact my credit rating, but I will be moving to using a different primary card. Disappointing how they treat long time customers.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (NC)

XXXX XXXX is charging me for a credit card that I had identity theft on ... I lost my pocketbook and however the person that stole my credit card ... put some purchases on my credit account with XXXX credit card..I have file a police report to have this item removed
Consumer complaint received 2022-08-16
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: WELLS FARGO & COMPANY (GA)

I call WF CRD SVC today about this Business type Bank Credit Cards I didn't apply for I don't bank with Wells Fargo never have open up account with them they ask me for my name and social security number see if I have a account with them it came I don't someone have a bank credit cards in my name it on my credit report and this XXXX XXXX XXXX to someone apply for some type Business Bank Credit Cards I don't know this bank