davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (CA)

Dear Consumer Finance Administrator, I would like to file a grievance with XXXX XXXX XXXX at XXXX ( XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ) for filing a collection for {$81.00} with Transworld System Inc. I contacted their office on XX/XX/XXXX and was advised that this collection was for cleaning and exam done for XXXX XXXX on XX/XX/XXXX. Upon checking with XXXX XXXX, it showed that XXXX XXXX paid {$61.00} for cleaning. This is disturbing to me because payment was issued by my insurance and I always have their office administrator XXXX check to make sure that insurance will cover our service before coming in. When they advised me of a balance due, I told them we can apply the {$100.00} coupon that was given to me for any balances not paid. They advised that the coupon can only apply on day of service which is not right because they should have advised me to apply it on day of service because there would be balance due. And neither of these things were done. Now XXXX XXXX wants to collect on this service for XXXX XXXX on XX/XX/XXXX for {$81.00}. I would like for XXXX XXXX to remove this collection for {$81.00} from my credit report ( the statue of limitation in CA is 4yrs ), honor his coupon for the exam charges and adjust the balance owing as XXXX XXXX did pay {$61.00} for cleaning. Attached are XXXX XXXX payment to XXXX XXXX and XXXX coupon for a {$100.00} discount. If you have questions, please call me at ( XXXX ) XXXX. Thank you.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I was misled by sales representative and finance agreement. I signed documents stating total of vehicle would be including add ons and it turns out that the vehicle did not have any add on. Sales rep stated the XXXX Of vehicle was XXXX and XXXX of add ons made vehicle XXXX. It turns out add ons werent added into price that I signed. Im purchasing a high priced item and sales rep did not mention were those XXXX would be allocated to. I spoke with general manager at XXXX of XXXX today and he said there was nothing I could do. I will be calling Toyota financial services.
Consumer complaint received 2017-08-02
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: North American Credit Services (NC)

Spoke with the company responsible for the inquiry on my credit report on XX/XX/2017, was told that they do not remove inquiries, and that it remains. I have also contacted XXXX the credit reporting agency where the inquiry is showing. Neither attempts have been successful.
Consumer complaint received 2017-08-02
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. (FL)

I have mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( I have no clue what this is ) XX/XX/XXXX
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This was many of the credit cards that were opened without my consent. I was a victim of Identity theft and it 's been a huge problem trying to get everything settled. I called many times and even visited branches for Capital One, XXXX, and XXXX XXXX to inform them that whatever was opened was not with my consent. Instead of them helping me out and checking what my options were I was told 'They must of got a hold of the information somehow '' and was asked " Are you sure you did n't give out your information? '' I have never opened up any credit cards to avoid this exact reason. Instead of helping me out, I was basically talked down and to ask around if my family members were the one 's that opened up the accounts. Around that time I just turned XXXX years old, I was in school and had no time to open up any credit cards. I need go get this resolved. This company has 4 accounts open. All of which I have attempted to resolve this issue with the companies without any success. I advised them that this was all Identity Theft. XXXX XXXX : {$990.00} Capital One : {$620.00} XXXX : {$340.00} Capital One : {$220.00} Total : {$2100.00}
Consumer complaint received 2017-08-02
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: EQUIFAX, INC. (TX)

Submitted dispute # XXXX on X/XX/2017 completed on X/X/2017. Submitted dispute # XXXX on X/XX/2017 completed both on X/X/2017. Equifax took almost 180 days to complete these two investigations, way more than the allotted 30 days. I would like these two disputes deleted from my credit report.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (OK)

I noticed the first week of XX/XX/year> I had two hard inquiries ran on my credit report, one for a personal loan ( One Main ) and the other for a car loan ( XXXX XXXX ). I contacted both ; XXXX from XXXX XXXX said they did not run my credit, and a women from One Main sent me a document to file out so she could have it removed. I did, I filed out the document and sent it back. Unfortunately both are still showing on my credit report. I filed many disputes with the three credit bureau 's who were supposed to contact the companies but they did not. They, within 24 hours, send me a report saying the inquiries were factual, when they're not. I spoke again with XXXX XXXX XXXX XXXX  and he said he is willing to have them removed, even tried calling the credit bureaus but it's all automotive and they wanted my personal information which he does not have. I called the XXXX XXXX XXXX  and was told to file a report with the FTC. So here I am filing a report.
Consumer complaint received 2017-08-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I tried for a few years to lower my student loans.i was in a work accident a year and half ago, I tried getting my payments lowered but I did not have any taxable income because I was getting workers compensation.so I had to do another forbearance..And now I am trying to do a hardship, and I mailed them application and my tax information because I do n't have a computer to print out pay stubs..i tried many attempts in the past to lower my payments with no luck..i complaint to department of education and they wo n't help me.. Since I could not afford the payments and no body will help me then I ca n't pay them..Navient is a scam and dept. Of education does not care.. Thanks XXXX XXXX
Consumer complaint received 2023-07-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

The automobile was paid off from my bank via electronic transfer on XX/XX/XXXX in the amount of {$17000.00}. 

I contacted XXXX on XXXX and was told that my title was sent to a dealership called XXXX XXXX in XXXX which I have NO affiliation with. They offered me no explanation as to why this was done except, it was a dealer payoff. I told them it was NOT and they needed to resolve the title issue and send the title to me. 

I contacted XXXX again on XX/XX/XXXX. I was told that they would not send me a release of lien nor the title because the bank needed to send them proof they paid off the car although they received the payment and it was applied to my account. I faxed them a letter from my bank but I'm concerned that this will not get resolved given the number of other consumer reports of issues for the same thing.
Consumer complaint received 2021-11-03
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: CLGF Holdco 1, LLC (CA)

An Indigo Credit Card or ( Genesis Card Services ) customer service representative suprevisor told me over the phone that Indigo ( Genesis Card Services ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of Indigo Credit card ( Genesis Card Services ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and Indigo Credit Card ( Genesis Card Services ) but to no avail.
Consumer complaint received 2021-11-03
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. (AZ)

I just checked my credit and noticed a closed account for XXXX XXXX and show an adverse report for {$950.00} that showed it was paidXXXX. I have always paid on time. I have had absolutely no adverse payment history with XXXX XXXX. I am respectfully requesting this discrepancy be corrected as soon as possible. Thank you.
Consumer complaint received 2021-11-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Submitted a 609 requesting verification of a debt that is not my account with XXXX and TransUnion. Both agencies failed to verify the debt and in return the collection agency mailed me a fraudulent statement with an incorrect name, address and dates that can clearly be proven to be incorrect. I have disputed this account several times with no success of the account being properly verified, validated and/or deleted from my credit report. Both agencies continue to state that the debt has been " updated '' and that " account is disputed, consumer disagrees ''.
Consumer complaint received 2023-07-11
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc (IN)

Monday, XX/XX/2023 : XXXX with Williams & Fudge gave my date of birth and last XXXX of social over the phone without my verification of identity. 
The collectors also have not spoken with me prior to this date. Theyve repeatedly contacted my husband over the phone after finding his contact information through public records, but they didnt know my husband name ( and called him by the wrong name ) and provided him with the last XXXX of my social and date of birth over the phone. The collector claims to have my information from the originator but didnt have my phone number or email. They never contacted me via my mailing address ( which is the only piece of contact information they have that is correct ). When asked about contacting via email, they provided an incorrect email address and stated they had sent information to that incorrect email.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (AL)

I am now an account holder at PNC Bank as a result of their recent acquisition of the U.S. operations of BBVA Bank. Shockingly, PNC is not making digital access available for past statements before XXXX of 2021. While a customer of BBVA was told that should I elect to forgo paper statements that I would have access to 7 years of past statements. This remained true until XX/XX/2021, when the transition to PNC occurred. Current PNC customers are also told that should they elect to forgo paper statements that they will have access to digital copies for 5 years, however, those of us who have been merged into the system are only being given access to 3 months of historical data! I have requested of PNC that I be given copies ( digital or paper, their choice ) and I have been told that I will have to pay for these copies ( {$10.00} per statement X 81 months for a total of {$810.00} U.S. Dollars! ) This is for data that was readily available to BBVA customers at no charge before XX/XX/2021. I have explained that without this documentation that it will put both business and personal account holders in an untenable position should they be required to document their past banking transactions ( examples include IRS, state and local revenue departments, and insurance providers ) in the future. 

On XX/XX/2021 I received an email from PNC/BBVA stating the following : " Plan ahead for your banking needs over conversion weekend. Beginning at XXXX XXXX. CT on Friday, XX/XX/XXXX, BBVA USA Online and Mobile Banking will be available in view only mode. You will be able to see a point-in-time view of your account balances and history, but you will not be able to perform any online transactions. Additionally, credit cards and lines of credit will not be visible. '' Clearly, this is a complete misrepresentation of the current reality as the BBVA website was taken down on XX/XX/XXXX and customers were forced to migrate immediately to the PNC website. ( The inability to make withdrawals and deposits was to be expected, but the removal of the ability to see historic data is unacceptable ). Again there are only 3 months of BBVA statements currently available on the PNC website. 

PNC needs to correct this issue immediately, and these banks who desire to buy other banks must be held accountable to the customers.
Consumer complaint received 2021-11-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Submitted a 609 requesting verification of a debt that is not my account with Experian and XXXX. Both agencies failed to verify the debt and in return the collection agency mailed me a fraudulent statement with an incorrect name, address and dates that can clearly be proven to be incorrect. I have disputed this account several times with no success of the account being properly verified, validated and/or deleted from my credit report. Both agencies continue to state that the debt has been " updated '' and that " account is disputed, consumer disagrees ''.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Data Systems (MI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : FINANCIAL DATA SYSTEMS XXXX
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2021 I returned home from a trip and found a Chase Freedom credit card in my mail which I had not applied for. this is a concern of predatory lending by sending a card I had not applied for and a hit against my credit which I am requesting is reversed. I called the company which resulted in numerous instances of terrible service. 
-1st person I called as a offshore call center and the agent could not help nor provide me with any detail. She transferred me to the Fraud department where I received a closed message.

- I called back and spoke with XXXX who seemed to have limited English. I asked to speak to an onshore agent and she said she would transfer. I waited for 10 minutes with " dead air '' before hanging up and calling back. 
- 3rd call and spoke with XXXX and asked to be transferred to a supervisor. He said okay and the call was disconnected- he appeared to hang up. 
-4th call I made and XXXX answered the phone. I asked to speak to a supervisor and after a wait he transferred me to XXXX onshore. I explained the situation to him and he said I needed to speak to the Fraud team. I was transferred to XXXX after another XXXX minutes. 
-Spoke with XXXX for 15 minutes and again shared the issue and as she was processing the dispute and closing the card the call got disconnected. 
I gave up a good portion of a Saturday morning dealing with this lousy company without any resolution. They should be investigated for sending a live card to someone who has not applied. Further more the customer service generally stunk, XXXX was helpful but the rest were not and it took to long. Additionally they should remove any credit checks that were done during the application process and close my card. I have frozen the account but need it closed. Thank you,
Consumer complaint received 2021-11-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: World Acceptance Corporation (GA)

World finance co of XXXX ga various of location .start with XXXX XXXX XXXX XXXX ga, XXXX hope this is the right address and company .that a be with cfpb the company is lending out my money with out my say so. XXXX XXXX and XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX not has power of attorney over me no more .the company is mine out of the trust contract now. I am ask and give y'all a notice. That. I am the employer tax payer now .and all record and bank account be turn over too me. I have pin codes .no tax return can be filed .it will be fraud and jail ..so let get this did with out going threw all of that thanks. Get the company agent too research the tittle on the company .and this is a headquarters address on file sense XXXX .check the tittle of this address sense XXXX. A IRS tittle exam and tittle exam. This is a business estate. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, is deceased .sense XXXX .I am name as beneficiary too all his businesses. XXXX XXXX XXXX is fail too comply with the contract .abuse and abandoned the instructions of this contract. It why I am file the complaint. This a owner or world finance .I am owner .of this said business.
Consumer complaint received 2021-11-03
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 (IL)

I always pay the full balance on my credit card every month. However I didnt receive my XX/XX/2021 statement, which caused me to miss a payment. On the XXXX statement, I realized that I missed my last payment. I was also charged a {$25.00} late fee and {$16.00} interest charges. I called Capital One. They forgave my late payment and agreed to waive the {$25.00} late fee. I was also told it was OK to make a payment {$25.00} less than the full amount due, because the {$25.00} charge would be reversed anyway. So I made a payment {$25.00} less than the full amount. That actually incurred another {$2.00} finance charges in my XXXX statement! 

I called Capital One again on XX/XX/211. They reversed the {$2.00} but didnt reverse the {$16.00}. 

Their practice was misleading and deceptive. I trusted them to do the right thing for me. I didnt look at my statement closely enough to understand what I was paying. I paid them something that I should not paid. Now they refuse to refund it.
Consumer complaint received 2021-11-02
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: Bread Financial Holdings, Inc. (CA)

COMENITYCAPITAL/FLDCPR made a Retail Inquiry by checking my XXXX Credit File on XX/XX/ without my consent. There is no account attached to this company. 

XXXX XXXX XXXX  made a Bank / Credit Card Inquiry by checking my XXXX Credit File on XX/XX/ without my consent. There is no account attached to this company. 

These activities are illegal by law. There is NO permissible purpose.
Consumer complaint received 2021-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX Acct # XXXX reported inaccurate information to my credit report and Transunion has not removed it from my report. In the attachment you will see the account reporting inaccurately to the three major bureaus which is supposed to be permanently deleted and Transunion refuses to delete the account. Ive contacted and sent multiple letters but they refuse to delete. When accounts report inaccurate information this means that the account has not been verified and should be permanently deleted. The account history, payment history, dates open, and date of last payments are all reported differently.