davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (NC)

Ally is asserting that a debt is owed of around {$12000.00} on a returned lease vehicle fees, but the lease was not returned, but rather it was purchased to avoid the expected fees. I have a copy of the released title of the vehicle from the North Carolina Division of Motor Vehicles, as well as a payoff receipt indicating that the payoff listed on my contract was satisfied. Ally has deliberately prolonged this collection efforts due to a personal vendetta against me due to words exchange between Ally 's representative XXXX XXXX and I.This has been a negative mark reported to the credit bureau that has falsely ruined my credit. I believe this is a personal attack brought about by XXXX XXXX trying to tarnish my credit and force legal action and drive unnecessary expense. I've asserted the same thing for over 3 years now, and Ally takes 6 months for a response each time I send correspondence.

Ally has since hired legal counsel to harass and collect debts and has threatened legal action despite my assertions being the same over the years that NO DEBT IS OWED ON THE PURCHASED VEHICLE.
Consumer complaint received 2018-06-26
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: Receivables Management Partners, LLC (FL)

there is alot of stuff on there and i have called the companies and advised them there is no way that was me someone used my info i was in prison and then a half way house for 3 years in XXXX, fl
Consumer complaint received 2018-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

My XXXX  XXXX XXXX was involved in an accident that was not my fault. Toyota received a settlement check from my insurance company in XX/XX/2018. As of today they have not send the info needed to my gap insurance company. Apparently it is a copy of the check they received from the insurance company. I hired an attorney to help me resolve this issue and my attorney says they called Toyota several times in the past three weeks and Toyota says the hold up is an internal issue at Toyota and the check copy has not been uploaded. My attorney told them that this is negatively affecting me and Toyota just says they can't do anything about it. Their departments that upload paperwork are not located where they are so it's just tough luck and I have to wait. It's now been several weeks and we asked them for a timeline and Toyota just tells my attorney there is no timeline.
Consumer complaint received 2018-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In addition to charging 22.99 % interest, which I thought was usury and therefore illegal, Credit Acceptance has added over {$500.00} to what I owe, and refused to explain why. I openly entered into the agreement, so I am not looking for a remedy for the crime of usury. 
I have been making extra payments nearly every month for eleven months. According to several amortization calculators that I have used I should owe {$820.00} effective XX/XX/XXXX. According to the person who I spoke with on the phone on XX/XX/XXXX, my payoff balance as of XX/XX/XXXX will be {$1300.00} and will continue to increase until paid after that date. 
I previously called and asked for a breakdown of what I have paid and what portion of the payments went to interest and what part to principle. They sent me a list of the payments that they have received. It agrees with my records, but they did not explain the difference in our calculations of a payoff amount. 
I think I made myself more clear to the person I spoke to on XX/XX/XXXX, and he refused to send me any additional information.
Consumer complaint received 2018-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: M. G. Credit, Inc. (FL)

Was contacted by this company about another persons debt. I let them know they had the wrong number and asked who was calling. MG Credit was rude and hung up. Called back to complain. let MG Credit know the number they are calling is wrong and to remove it from they call list. MG Credit continued to ignore my request and gather more information about me and the phone. This happened on XX/XX/18 around XXXX eastern time.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XX/XX/22, charged late fee and I called to dispute the charge as a XXXX year customer, also explained my circumstance and reason for late payment but request was denied.
Consumer complaint received 2023-06-07
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. (CT)

I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I received a letter from Chase that they were closing all of my bank accounts and credits cards with them. There was no warning or explanation given. 
I have a checking account and savings account as well as 3 credit cards. One of the credit cards I have had for 20 years. I called and they gave no explanation and would not allow me to speak to anyone who could help me rectify the situation. This is extremely frustrating.
Consumer complaint received 2018-05-11
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. (AZ)

On XX/XX/2018 I submitted a dispute for inaccurate information on my credit report ( FIN # XXXX XXXX. More than 30 days elapsed and I still didn't hear back from Transunion on the results of the investigation. I called them and requested a report on the results of the dispute. They refused to send it to me on the grounds that they had the wrong address on file. I gave them my updated address and they still refused to send me the results of the dispute.
Consumer complaint received 2023-06-07
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. (NY)

Their reporting is causing defamation of character. 
I want them to cease and desist with their defamation of character which is affecting my business affairs. 
XXXX, XXXX AND TRANSUNION.
Consumer complaint received 2018-07-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

I have communicated to this company several times not to contact me at work and they continue to do so. This is creating a problem at my work. They have also repeatedly called me on the weekends and after XXXX XXXX on weekdays. My work number is XXXX and my cell number is XXXX. 

the company information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Thank you XXXX XXXX
Consumer complaint received 2018-07-30
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. (GA)

I have accounts reporting on my credit file that do not belong to me. This includes the XXXX XXXX  account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.
Consumer complaint received 2018-07-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (TX)

XXXX called me in aggressive tone about contacting XXXX about a debit I owe. I was going to do that as soon as I get money together, but shes calling me some aggressively, Im afraid of calling her back to get the situation resolved.
Consumer complaint received 2018-06-26
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. (MA)

On XX/XX/18, XX/XX/18, and XX/XX/18 I sent Experian, XXXX, and XXXX certified letters to verify 2 bankruptcies listed on my credit reports. Each escalating letter asked for verification of the listings.The three credit bureaus each sent me letters stating the bankruptcies were verified. Massachusetts Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I have continuously asked the three credit bureaus to remove the inaccurrate listings and how they received the inaccurrate information. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family.
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC (NY)

From the Office of XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, My name is XXXX XXXX I am the Owner of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that was, is and will always be my property. I do not have any mortgage or any financial obligation on this property and my name is on the Deed and not in any Mortgage Note. I am 100000 % sure I will win back my property and file criminal charges against your abusive and deceiving Law Firm. You organized the fraud inside my6 property and help criminal stole my private property and once I win my legal case if you do not pay the {$260000.00} you will face the consequences. Attached you will get the official complains against your Law Firm as well as the lawyer involved and there are 87 official complains against your criminal activity inside my property for which I do not have any mortgage. I am a XXXX with 29 years XXXX experience and I was involved in the procedure of each mortgage documents so there is no need to enter in any polemics. With your limited banking knowledge. Since I am not an expert like your Law Firm in defrauding families I file official complaints with Dept. of Justice, PA Attorney General, PA Governor as well as the ethic committee and many other Departments. I will never stop until your criminal activity will be expose. FBI will be involved too as well as the TV and all internal and International press as well as INTERNET.. 
XXXX XXXX is my wife and she was a victim of fraud landing so this mortgage is a fraud, the foreclosure is a fraud since was done in a top secret close door and I am sure that the Superior Court will reverse the fraudulent Sheriff Sale soon. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX was informed weekly and once I get back my property I will file criminal charges against XXXX XXXX, HIS FAMILY and all the people involved. XXXX XXXX got involved in a fraud mortgage originated by XXXX a bank that once we made this public this company went bankrupt. I rejected this mortgage and even today the money is in an account Now XXXX XXXX is directly involved in defrauded my property and they will pay soon {$260000.00} for stolen private property damage, vandalism, theft organized from XXXX until XX/XX/2016 theft done without having any legal rights or permission to enter inside my property. 
I have Police report number ant the XXXX XXXX report number. I informed the Local Sheriff and the President Judge of the Court of XXXX XXXX. I am very confident that the Superior Court will award back my property and I close your Law Firm. 
Sincerely yours XXXX XXXX
Consumer complaint received 2018-06-25
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SIMM Associates, Inc. (CA)

On XX/XX/2018 I called to attempt to settle my debt with Simm Associates. The agent was polite at first and outlined options for what I could do to pay. I informed her that I did not have the money now, but would have it in XXXX. She was aggressive about me paying, and then attempted to get me to pay some amount today. I informed her that I would need to speak to my wife and see our financial situation before making any such action. At that point, the agent became very rude and used aggressive language " You have a history of making promises and never delivering '' and repeatedly cutting me off, even as I strove to continue being polite and explaining myself. When I asked to speak to a manager or other personnel, she refused to put me in contact, repeatedly stating that they were at lunch ( at XXXX EST ) and could not be reached via voicemail. She then explained that she was not even the agent in charge of the call but that I did not have a choice in the matter, that I got whoever I got, and that if I did not pay today, there would not be a chance for a settlement.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I made my payments fully at the end of my billing cycle. This was very important because I needed to show 0 % utilization on my card. I am in the middle of purchasing a home and credit card utilization can hurt my score.

Penfed incorrectly reported that I had a balance on the credit card of over {$2000.00}. My credit score went  down 14 points, which put me below the limit of a good interest rate and increased my payments by {$350.00} per month between higher interest rate and Mortgage Insurance. 

I spoke with XXXX XXXX from customer service in Penfed Credit Union, who sent a request to the department of Credit Bureau Corrections to do a reversal and do a report of paid off balance. 

Attached you can see that my credit available is {$10000.00}, which is my maximum credit, meaning that I have XXXX balance on the card due.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be XXXX  'd out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.
Consumer complaint received 2018-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (GA)

Continue to receive robo calls from a company named Navient they claim to be a student loan servicing company. Numerous times they have pretended to be Doctors, Attorneys, and law enforcement officers. To collect private and personal information such as : ( date of birth, social security number, old account numbers, income, etc ) Information they do not have and can only acquire through false pretenses.My number is on the do not call list, I do not owe a student loan debt with Navient, or any of their service providers. I've sent cease & desist letters to their company, blocked their many numbers, some of these numbers they're calling from are XXXX hotline numbers during XXXX hours. I will be filing a harassment lawsuit against this company for fraud.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AZ)

The foreign customer service representatives for Citibank credit card refuse to activate our credit card. The foreign customer service representatives do not speak nor understand english and read from a script that does not answer your questions. When confronted with their lack of english language skills they simply hang up the phone. 
Citibank needs to be fined another XXXX XXXX dollars for their continued credit card fraud, SCAMS. They issued my spouse and I ( joint account as authorized user ). Both cards have the exact same account number and security code. We called to activate and the foreign representatives were unable to activate. They tried to send text to both our phones as listed when we applied but the said there system would not allow it. I tried to activate online but their website was not functioning properly. We told the foreign representatives to close the account but they refused to close account. HORRIBLE foreign customer service or I should say that Citibank is committing consumer fraud by BAIT AND SWITCH tactics by issuing credit cards only to not activate them. We received the welcome kit in the U. S. Mail as well as an email congratulating us that we are now members of Citibank thank you preferred credit card. Citibank is corrupt and a complete joke. As soon as we pay off the XXXX XXXX credit card we will close it since Citibank has something to do with it. Also, we no longer shop at XXXX since Citibank screwed up their credit cards. Please fine Citibank another XXXX XXXX dollars.
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

I have had a mortgage with U.S. Bank since XXXX of XXXX. I have never missed a payment or had a late payment. The mortgage was for 15 years and I needed to restructure it since I could not afford the balance of {$67000.00}. 

I started negotiating with US Bank in XXXX of XXXX, two months prior to the expiration of the loan. They did not return calls, personnel were unavailable or did not call back when scheduled. In XXXX, they refused to accept the monthly payment. I have sent in all required documents in a timely manner and confirmed that US Bank received everything they have requested of me. 

On XXXX XX/XX/XXXX, I received a certified letter requesting a payment with late fees totaling {$1100.00}. I sent a check for the requested amount via certified mail on XX/XX/XXXX as they were still going through the underwriting process. On XXXX XXXX, they returned the check stating they could not accept the partial they had requested via certified mail. 

On XXXX XX/XX/XXXX, I received a packet with updated valuation of the property listed as {$150000.00} with current pictures taken on the XXXX of XXXX. I was not aware anyone came to my house to take pictures and no one conducted a current appraisal of the property.
Consumer complaint received 2018-07-30
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: ENCORE CAPITAL GROUP INC. (PA)

XXXX XXXX XXXX ( credit card co ) charge off the account and came back on my credit report as XXXX XXXX XXXX it was charged off twice under 2 names now their back as XXXX XXXX XXXX
Consumer complaint received 2018-07-30
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 filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be zero 'd out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.