davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On XX/XX/XXXX I entered into a credit consultation agreement with XXXX XXXX XXXX XXXX XXXX, credit consultant manager and Credit Repair Today promising to improve my credit worthiness which I later found out My credit rating was a fico score of XXXX. I was later contacted by a XXXX XXXX XXXX on XX/XX/XXXX stating that I qualified for a special offer and brand-new vehicle. At the time I was XXXX years old and very naive. I unfortunately entered into retail installment contract with Toyota Motor Credit on XX/XX/XXXX. According to Toyota Motor Credit, I still owe {$8500.00} to date which is outrageous to say the least. This account has been open for 6 years and 2 months and I am still submitting monthly payments of {$450.00}. XXXX on a XXXX XXXX XXXX under a % 17 interest rate and {$4.00} per diem. I believe that the amount owed is incorrect and that I have satisfied this account. I have paid {$31000.00} as of XX/XX/XXXX to Toyota Motor Credit.This company has been unfair in their practices with me as a consumer. I have been a victim of non-disclosures and deception.
Consumer complaint received 2021-01-18
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. (FL)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I have a card from FNBO and I normally keep a XXXX balance since I pay it off every month. I did a balance transfer 2 months ago and they're transferring my debt from the balance transfer queue to the higher rate part of the card. New payments are going solely to the transfer amount at the lower rate and nothing is being applied to the new charges that will all carry the higher interest rate. Per the card act, payments over the minimum payment should be applied to balances with the higher rate- those new charges will carry the higher rate. Please help me fix this!
Consumer complaint received 2020-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United We Collect, Inc. (PA)

This situation is puzzling to me because I have never been to any hospital in Florida or anywhere close to Fl on the date of XX/XX/2015. Although I have lived in Florida to take care of my mothers when she had XXXX XXXX but never to any hospital. 

XX/XX/2015 was not in hospital The amount of {$850.00} is not mine because I was not there. 
Also I have reason that the social security you have on file isn't correct with mine, because on Step 4 where it asks for account number or last 4 digits of social. As I enter my last 4 it does not let me proceed which gives me reason to believe that the social you have on file is also incorrect which would make sense because it was never me there at hospital. " Identity Theft ''
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DE)

Im currently still in school, therefore my loans arent yet due. However, trying to keep the unsubsidized loans from accruing too much interest Ive been trying to make payments each month. So I make a payment in XXXX for {$200.00}, with {$100.00} each going to my 2 unsubsidized loans with the highest balances and interest rates. I get a confirmation and I think everything is fine per usual. Only to find out nearly a month later that only {$100.00} went thru ( not to mention something strange went on with the interest/principal ). I call EDFinancial and am told that I was refunded the other {$100.00}, & theyre not sure why. Only thing is I was never refunded the money. In my bank account the {$200.00} is gone & I have a confirmation number from edfinancial that it did go thru. So wheres my other {$100.00}? And why did the {$100.00} that did go thru, not seem to process correctly at all? I ask the rep and she has no explanation or proof that there was evidence of a refund. She asks for a moment to check on things then immediate comes back asking me if Id like a refund on the amount, or if shed like me to have her reprocess it back to the loan it was supposed to go to. I ask her for a refund, and for a confirmation number or some kind of proof of actually get itshe still suggest there is none and tells me to simply wait while it processesso here I am trusting EDFinancial, who I already have had several XXXX dollars mess ups with, all of which was have been there fault, at the expense of adding thousands to my debt. 

First, in XXXX EDFinancial switches websites, and upon switching websites ; they conveniently add loans that I had already paid off back to my balance, as if I had never paid them at all. I call them for this and the man assures me this would be corrected. This added approximately {$3500.00} to my balance that I had already paid off. 

Next, instead of showing those loans as paid off, they instead remove them altogether ( so as to appear as if I hadnt made any payments ), negatively impacting me for the various programs I could be eligible for. 

If I hadnt been paying attention they would have added who knows how much to my account, and straight up stolen money in paymentsI can only imagine what theyre getting away with for people who dont pay attention as much. WHAT THEY ARE DOING IS HIGHLY ILLEGAL. People dont have time to keep track of this type of stuff and theyre purposely stalling and making mistakes they hope people wont notice, while piling on extra debt. Lawsuit incoming I can assure you.
Consumer complaint received 2020-11-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, XXXX, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the XXXX XXXX  you are causing me. My information has been impacted by the XXXX breach and I feel my information may have fallen into the wrong hands. Please delete immediately.
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

My XXXX, XXXX statement shows that I issued a balance transfer. after 12 month, I am ready to pay off the transfer. Just now I realized that there is a {$430.00} interest charge on XXXX, XXXX XXXX. I looked over all12 month statements in the past there no indication on when my promotional period will end. I called customer service and they told me it expired on XX/XX/XXXX and they are sorry that the only way for me to find out when my promotional period ends is by calling the customer service. 

This is very deceiving practice, as the credit card company doesn't how show then their promotional period ends. and slap you with a 21 % interest rate without any warning.
Consumer complaint received 2015-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (AZ)

I attempted to settle the debt with IC Systems for XXXX in the amount of {$XXXX}, I had offered the 40 % of the debt, a women named XXXX offered me a settlement of {$XXXX}, I advised her I would call back. I attempted to settle the debt at {$770.00} and asked them to remove it from my credit report, I spoke with an employee by the name of " XXXX '', who I asked to send me a settlement letter by fax, or email and he advised that they do not do that, that it is sufficient with the recorded call. I asked him a XXXX of times if he was making it clear that he could not do that for me and he offered to get a supervisor, we disconnected the call. Today on XXXX/XXXX/15 I attempted to settle this debt again and this time an employee by the name of " XXXX XXXX '' helped me, I advised him that i wanted to settle the debt but I needed a settlement letter, I advised him I had problems with that in the past, he stated they dont do that. I advised him that I would put in a complaint with the CFPB, he stated " ok go right ahead '', our lawyers have advised us that we can take this action. I repeated myself, asking him on the recorded line " that if I was hearing correctly and that he was not going to provide me a settlement letter '', he stated that his office lawyers have things handled. He then asked me what lawyer I was going to use, I advised him, that it didnt matter and that I was filing a complaint. Then the call was disconnected.
Consumer complaint received 2020-11-19
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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

A month and a half ago I was told that my mortgage credit history was not showing on my FICO score. I was told to call and get my mortgage reaffirmed and it would help save a lot of money on my refinancing that I was looking in to. I called Bank of America and asked to have it reported to the agencies and they gave me a " Case '' number for it. I received a letter from them two weeks later and they wanted to know which posts on my history that I disagreed with so I called them and once again told them I simply wanted to have my mortgage history to show on my credit history, making my score much higher, thus saving me a lot of money. They noted my account again and made " profound '' notes to state my desires. I called back two weeks later and they told me that the history would show on my FICO score on the XXXX of XXXX. On the XXXX there was nothing posted and I called again and they told me that they would never post my payments history for the full length of my contract because I had filed for a bankruptcy 10 years ago. The mortgage was never part of that bankruptcy and told them that they had no right to continue to punish me and cost me thousands of dollars because I filed ten years ago. What right do they have to inflict damage on me for 40 years?! This is unfair crediting practices and has caused damage and cost upon me!
Consumer complaint received 2020-11-21
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: Experian Information Solutions Inc. (TX)

THIS IS NOT A DUPLICATE. XXXX continue to report inaccurate data to my credit reports. There is a second account showing on my report from XXXX listed dated XX/XX/XXXX on my credit report. It is listed that is was closed XX/XX/XXXX and XX/XX/XXXX. It is listed that was transferred to another lender. The lender it is shown transferred XX/XX/XXXX. The dates are incorrect. The account was closed over 7 years ago and should not be listed on my credit reports.
Consumer complaint received 2020-11-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am expecting a refund for overpayment of an incorrectly billed medical account. My insurance company advocate has been working on this and in the meantime, I have been contacted by the company who turned me in for XXXX dollars and they told me on XX/XX/2020 that they would be working with TransUnion and any other bureaus that were inaccurately reported to to have it removed from my credit. This still has not happened. XXXX of the bill is being written off, and I am told I will also get almost XXXXk back in the form of refund/overpayment. I just got off the phone with TransUnion and I was told nothing is showing up there as of today in terms of getting the XXXX $ account removed. So I tracked down the company and Just got off the phone with an agent named XXXX from XXXX at XXXX and she said they have been billing me at an address I lived at 22 years ago ( which is what XXXX XXXX was originally doing ). She is deleting this from my Transunion report, but if my credit score does not go back up the FULL 23 points that it dropped from this erroneous reporting, I need to be compensated and am prepared to file legal action. Transunion representative named XXXX told me that even if the account is deleted, my score will likely not go back up the full amount of 23 points. THAT IS NOT RIGHT and I am trying to get a HELOC RIGHT NOW and need all the points that I earned. This company reporting an account that was erroneous should not affect my score no matter what. According to my astute calculations as I study my credit weekly, it would cost {$8000.00} to raise my score 23 ponts ( by paying down balances ). If the score only comes back half of the 23 after the account is removed, then it would be {$4000.00} to remedy. I will be filing complaints against XXXX XXXX  and all doctors affiliated with serviced I had as well.
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (TX)

I sent two money orders to XXXX XXXX. The first money order was for {$250.00} and the second was for {$490.00}. I inadvertently made one of the money orders payable to myself ( {$490.00} XXXX. As soon as I caught the mistake I contacted XXXX regarding the issue. It was at that time they informed they use robots in their payment centers to process checks. I was informed my check would either be cashed, sent back or destroyed by the robot. The check was processed. XXXX contacted the Federal Reserves to have the funds reversed but it will not be be sent back to me. I was told the funds would return to XXXX XXXX XXXX money order ). I have contacted XXXX XXXX and they outsource their customer service department outside of the XXXX. So communication has been horrible with XXXX XXXX. XXXX should have send the monies back to me. Now I 'm out of {$490.00} which was my payment amount to XXXX. I have spoken to multiple individuals regarding this situation. I do n't sense the urgency to resolve this issue either.
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Conduent Incorporated (PA)

My EPPICARD is declined when I try to make cash advances at the bank. This has been ongoing for the past 4 weeks. The company has MY money and I should be able to access it. I have called the company and had to be escalated to a supervisor who said she WhiteListed my card and it should work in 24 hours. It has been 48 hours and the card is still not working. This is not right and it looks like others are having the same issue based on comments on the web. This is absolutely terrible!
Consumer complaint received 2020-09-03
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. (TX)

XXXX decreased my credit line based on what Equifax reported to them which was that my credit card ( S ) had been delinquent, the only credit card that had been delinquent was XXXX which I cleared up, none of my cards are delinquent. 
THIS HAS HURT MY CREDIT SCORE, I HAVE MADE A SNAP SHOT OF MY CREDIT CARDS AND BALANCE TO SENT TO MY ATTORNEY, THE FEDERAL TRADE COMMISSION, AND OTHERS.
Consumer complaint received 2020-09-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Alleged debt paid to XXXX XXXX XXXX with postal money order and mailed by XXXX   with proof of payment and mailing on XX/XX/XXXX. This debt is reported by XXXX # XXXX ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OHIO XXXX AS OWING SINCE XX/XX/XXXX. The claim for returned check is false since there was no returned check and XXXX XXXX XXXX attempted to withdraw funds from my checking account when I had cancelled my membership with them within 3 days of joining the club. 
I have tried numerous times to call XXXX using the number that XXXX XXXX XXXX provided with no success. I called and complained to XXXX with no success. I finally wrote to XXXX on XX/XX/XXXX with proof of payment since XXXX and they have not responded to me by phone or by mail. XXXX continues to report this false information as ADVERSE ACCOUNTS ON MY CREDIT REPORT.
Consumer complaint received 2020-12-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance Recovery Group (OH)

Contacted via VM on XX/XX/2020 by Alliance Recovery from phone number XXXX XXXX XXXX XXXX. When I called back, Mr. XXXX XXXX informed me that there was a fraud case out for me. When I started asking questions, he began growing impatient and hung up. I called back and was hung up on again. Called back a third time and was told by another associate that they have every legal right to keep calling me, despite me asking them not to, until I receive legal documentation. I then started recording a video of me calling them back, where I was cussed out and was told that they were going to use my information to try buying a new home. This is all video recorded and I can provide that information.
Consumer complaint received 2020-11-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tribal Lending Enterprise, Inc. (FL)

On XX/XX/2020, I called Mountain Summit Financial customer service to make a partial payment on a loan. After requesting to make an early partial payment to reduce my amount owed, the agent informed me that she could only accept full payment to pay off the loan or increase my payment to the scheduled payment day, which was in 8 days. I explained that I wanted to make an early payment because of the high compounding interest of 776 % and requested to speak with a management member because it didn't make any logical sense that I couldn't make a partial payment. She replied, " I am the floor manager. '' I then requested to speak and have the name of the office director. She replied, " I am the manager and can't give you the name of the director. '' I then requested the names of : Chief Executive Officer Chief Financial Officer Chief Financial Office Head of Operations Head of Consuming Lending Director of Customer Compliant She refused to provide me the information. So, I filed a complaint with the XXXX XXXX XXXX because the company didn't provide consumers an option of paying off loans early. I have taken loans from various companies that offer their customers the option of paying off loans early. After reading my contract, the documents didn't include wording about clients not making partial earlier loans. I requested an email or call from management or corporate offices, such as the CEO, CFO, Compliance Office, or a member of the board of directors. Fourteen days later, I haven't received a response from a board of directors or management. 

Several days ago, I spoke with a customer service rep at Mountain Summit Financial to request all of my signed documents inorder to provide copies to the Consumer Financial Protection Bureau. Twenty days after requesting my financial documents, I haven't received any paper work to add to this compliant.