davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I am on my fourth lease with Toyota credit. At the start of each lease, I have signed up for autopay to be deducted from my checking account. When you initially enroll in autopay, the autopay amount is defaulted to your payment due amount. 

In XXXXXXXX XXXX XXXX, my local area changed sales tax rates, and my payment increased by a few dollars a month. TFS did not notify me, and continued to bill my account at the original payment amount. They did not adjust my autopay. 

In XXXX I was alerted by my credit report that my account was over 30 days past due. I did not understand as my account was being debited every month. When I called, I was told that unless you call and set up autopay, the amount deducted will not match your payment due. The representative stated that it was a known issue which causes many problems but the company would not do anything about it. I went back to the autopay sign up site, and this information is not disclosed anywhere.
Consumer complaint received 2023-08-05
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. (PA)

This account is fraud listed below. I demand it is removed from the credit report immediately. XXXX XXXX XXXX XXXX account # XXXX. The FTC report is attached to this complaint.
Consumer complaint received 2023-08-05
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. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX ) XXXX Balance : {$7100.00}.
Consumer complaint received 2023-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NC)

I was not allowed to talk to a person before I lost my home to foreclosure. However they sold my account to Selene Financial after the fact my home was auctioned off and after the fact that the new owner was awarded the land. However I tried several times to talk to someone to assist me with modification or other options. They also failed to comply and go by state of North Carolinas regulations and guidelines by the state and Covid-19. Also I received no response to the assigned manager over my account on 2 different times that I had reached out to resolve the matter. And when I did get to finally speak to a actual person then I was told it was to late to do anything being my home would be auctioned in 3 days. However they could of made it possible I know and I have read up on this myself
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-27
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. (NY)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Original Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} 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, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$8.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$3800.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXX Original Balance : {$3000.00} XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$8.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Original Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (FL)

I recently paid off this account, so as far as I know, I do not owe anything. When I logged into the website, it still shows that my next payment is XX/XX/XXXX. It also shows that {$130.00} will be due. I asked for someone to clarify this for me on XX/XX/XXXX, but my email and concerns were completely ignored. If I owe some money, I would like to know about it. On XX/XX/XXXX, their site showed the outstanding balance was {$8300.00}. The check was for {$8300.00}. My records show I am owed {$92.00} in overages. I asked how to retrieve that additional cash, but that too was ignored? I asked them if I can have that extra mailed back to me? The tracking number for the check is XXXX XXXX XXXX XXXX XXXX XXXX. It was delivered to the XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX checked my bank account. On top of the {$92.00} of overage, it also shows they took {$130.00} from my account on XX/XX/XXXX. This brings the total amount owed to me to {$220.00}. It is disturbing that my account could be paid off, and they still take money from my account. Furthermore, there is no way to stop the autopay on the website. Customers are directed to reach out to them, which I diid, but was subsequently ignored. They are now impacting my ability to pay my mortgage on time by taking money no longer owed to them. 

As I have stated, they owe me {$220.00} and I would like someone to explain why all this additional money was taken.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (PA)

My issue is with XXXX XXXX XXXX Credit Card Services and XXXX On XX/XX/XXXX I clicked on an advertisement on XXXX for their XXXX  Visa Card from XXXX. The webpage said, " See if you're pre-qualified with no impact to your credit score ''. So I went through the prompts, specifically and only because it wasn't going to impact my credit score. 

This is the page XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX I received multiple alerts from my credit monitoring services that let me know that XXXX XXXX XXXX had taken a Hard Inquiry from XXXX XXXX Experian. 
I spoke to the Credit Bureaus, and they told me they can't dispute Inquires. However, the inquiries did impact my credit score negatively. They recommended that I speak to XXXX XXXX XXXX. 

I called XXXX XXXX at XXXX. They confirmed the action but couldn't help me that the advertisement said that. I was transferred multiple times, until being left on hold for XXXX minutes before I disconnected the call, without resolution. 

Given that Neither XXXX XXXX nor the credit reporting agencies seem to be able to help me remove this erroneous hard inquiry, I'm reaching out to the CFBP for help to resolve this matter.
Consumer complaint received 2023-07-27
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. (CT)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently received a copy of my credit report. This is a list of accounts that has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I did not give the Consumer Reporting Agencies Permission to report, NO PERMISSIBLE PURPOSE, it was not disclosed to me that I can opt out of having my information reported, and I am writing to you to EXERCISE THAT RIGHT.

Account name and Account number : these accounts have violated my rights. 

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 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 your laws 15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 ( b ) ( a ) ( 2 ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 ( c ) ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please delete these inaccurate information off my credit report immediately.

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Consumer complaint received 2023-07-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (OH)

I opened a dispute on XX/XX/23 against XXXX stating that the item was damaged. XXXX offered a return service for refund/replacement. I could not return the item do to the item packing material being way to badly water damaged. Making it impossible to ship back do to it being to damaged/wet. XXXX refused to refund without return. So I had to open a claim. On XX/XX/23 I get a message stating that the case was closed and XXXX ( temporary credit ) was getting removed from my accounts on or after XX/XX/23. This will put my account negative or theyll take my XXXX $ which I should have access to but I dont since chase messed up badly and closed my account and is holding XXXX $ hostage. The issue was this investigation was handled incorrectly due to Chase not filing claim correctly. Chase stated on the reason for the claim was I returned or canceled this purchase but haven't been credited. this is false and nowhere near accurate to what I stated.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. ()

I have a debt of about XXXX $ with Citibank Bestbuy Card. I live in XXXX. Until recently, for the last 4 years, I was always able to pay the monthly payment online. Now, I am not allowed to log in to my online account on their website unless I provide a US-based phone number. I do not have a US phone number because I live in XXXX. I have tried many many times to call Citibank to resolve the situation to be able to log in to see my account and pay my bill. They will never even let me have any information or pay the bill unless I have a US phone number. Recently, on a trip to Colorado during XXXX, I attempted to pay the debt off at a Bestbuy store in person. The store said they would only take a cash payment. I didn't have that much in USD so I paid about XXXX XXXX I did not get an email receipt for the payment from Citi or bestbuy and I have no idea if the payment was even credited. They won't mail a paper copy of the statement to an overseas address. I have contacted them via email to inform that I can not pay the bill because they won't make it possible to do that from overseas with no US phone number and I can not see any information about my account by any means. I have provided them with my XXXX address and my XXXX phone number but they have not taken action to contact me or responded to any of my attempts to contact them. They have stated they will call me back, during their hours, when I am asleep, but I still need a US phone number to access information, visually, on my account. 

It almost seems like they don't want me to be able to pay my debt. Perhaps they are hoping the account will gain a larger balance due to ever-increasing late fees. I have documented every communication I have had with Citibank via XXXX XXXX  and email.
Consumer complaint received 2023-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KS)

Problem : On XX/XX/2023 I reviewed my loan balances on the MOHELA website. The website stated I had {$6300.00} in interest on my account that accrued during the COVID-19 0 % interest payment pause. 

Action taken : On XX/XX/2023 I called the main customer service number and communicated the problem to a service representative. He spoke with his mentor and his mentor stated the interest amount was correct, that this was interest that I owed that had accrued on my loans. I stated that 3 of the loans had been paid in full during the pandemic. The payments I made were reimbursed to me ( per my request ) and only totaled the principal balance of those 3 loans. Since this all occurred during a 0 % interest period, there would be no mechanism for the balance to have accrued interest. I asked for my call to be escalated. The service representative escalated my call to the Resolutions Department.

I told the representative of the Resolutions Department that I had loans that accrued interest during the 0 % interest payment pause. The Resolutions Department representative stated my loans should not have accrued interest during this period and said the error would be corrected. The representative did not ask for any additional details. I asked if MOHELA would review my entire account to assess for incorrectly applied interest. The representative said yes. She said it would take 5-7 business days. 

As of XX/XX/2023 the {$6300.00} in interest accrued during the COVID-19 0 % interest payment pause remains on my account. 


These are my loans and the amount of interest added during the 0 % interest period : Loan 1 Dispersed : XXXX Principal Balance : {$6400.00} Interest : {$100.00} Loan 2 Dispersed : XXXX Principal Balance : {$13000.00} Interest : {$210.00} Loan 3 Dispersed : XXXX Principal Balance : {$20000.00} Interest : {$0.00} Loan 4 Dispersed : XXXX Principal Balance : {$15000.00} Interest : {$0.00} Loan 5 Dispersed : XXXX Principal Balance : {$5100.00} Interest : {$0.00} Loan 6 Dispersed : XXXX Principal Balance : {$3100.00} Interest : {$0.00} Loan 7 Dispersed : XXXX Principal Balance : {$6800.00} Interest : {$1200.00} Loan 8 Dispersed : XXXX Principal Balance : {$19000.00} Interest : {$3600.00} Loan 9 Dispersed : XXXX Principal Balance : {$6800.00} Interest : {$1200.00}
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2020-06-10
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. (CA)

Here is the name of the company that says I had a credit card with them. 

Phone : XXXX FAX : XXXX Correspondence address : XXXX XXXX XXXX XXXX PO Box XXXX XXXX, OR XXXX I have disputed this credit report entry twice and have got nothing more than the credit agency telling me that the entry stays due to the company verifying the account was accurate. That is total horse XXXX, as I never opened this account or made any charges on it. When I requested proof that I opened this account I got no response. 

The 3 credit reporting agencies are all guilty of violating the law and this company is too. I will proceed to a lawsuit if this is not taken care of by this last effort.