davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( Toyota motor credit ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( XXXX ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

Lexus financial when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.
Consumer complaint received 2017-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The XXXX credit score they pulled was almost 100 points lower than what I receive from my monthly XXXX 3-Bureau FICO score monitoring. I expect maybe a few points difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!
Consumer complaint received 2019-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I, XXXX XXXX signed up through XXXX website. I have received 2 email alerts over 2 hard inquires on XX/XX/XXXX and on XX/XX/2019. It is from Company MIDLAND CREDIT MGMT INC Address XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX I have received letters from this Company, stating I owe money but does not state who/what this is for. If this is a old bill, I know for a fact this is over Statue of Limitation for this bill but unsure what is all about, as they don't state why I owe this or who the original bill is from. What is the original date for this and who is the original debt that I am suppose to owe. They just keep sending letter every 6 months to a year and inquiry on my credit.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd (MI)

The company called transferwise delayed my transfers for upto 3 weeks without any tangible reason. This caused the death of my XXXX XXXX XXXX brother in law that was under my care in the hospital. They closed my account due to my further complaints and a request for a compensation. They already know. They should remedy this situation before it goes out of hand.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I report numerous violations commited by XXXX XXXX and request to impose appropriate sunctions that will motivate that financial institution to obey the law. 

XXXX XXXX violated FCDPA 804. ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer by calling and refusing to disclose the identity of the employer when I explicitly requested that. 
XXXX XXXX violated FCDPA 807. ( 8 ) including the failure to communicate that a disputed debt is disputed by not notifying me about alleged debt. 
XXXX XXXX failed to validate the debt before reporting it to consumer reporting agencies by violating FCDPA 809. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector On XX/XX/XXXX I got a call from a person who didn't want to introduce himself neither disclose the identity of the company till I confirmed my name, though such an action classified as a violation of FCDPA. But I already knew that XXXX XXXX employs such deciving practices so it didn't surprise me. Then, I was asked why I didn't make minimum payments for my credit card. I was taken off guard since I saw payments going to XXXX XXXX in my online banking. Then we started to investigate the issue. It turned out that in XX/XX/2019, a XXXX representative made a mistake while setting automatic payments and linking an unexisting account over the phone. Then, for 3 months XXXX failed to call me or send me an email notifying that autopay didnt work and they didn't receive the payments. When it was clear that it was only an error on the bank 's side, XXXX representative apologized for a mistake, reversed all late fees and fixed autopay. Nevertheless, at the same time XXXX submitted a false information about missing payments to credit reporting agencies! And the bank never notified me that it would take such an action neither by phone, mail, or email which is another violation of FCDPA!!! A month later the bank insisted and resubmitted the false information again. In XX/XX/2019, faling to make XXXX to fix it on its own, I disputed credit report late payment with credit bureaus and on XX/XX/XXXX I received results from Experian which confirmed again that I was 30 days late making payments for a credit card. It appears that XXXX XXXX considers penalties under FCDPA insignificant and is ready to bear them in order to harass its clients. 
As a result of multiple FCDPA violations by XXXX XXXX  I had a credit card issued by XXXX XXXX closed and a new account request rejected by XXXX.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On Thursday, XX/XX/2019, I received an email saying that my email and home address had been changed on my two credit card accounts. I contact the credit card company immediately and spent an hour on the phone with them. They assured me everything was changed back and a restriction was put on my account. I asked specifically since I was on the phone right away that these cards would NOT be sent out. She assured me we caught it on time. I made sure BOTH the accounts were fixed and she said yes. Now 14 hours later I get another email from them stating that my cards were XXXX XXXX XXXX to the fraud address in Florida AND they charged my account a rush fee, {$16.00} each, for both cards on my account. I contacted them and told them and they act like they have no idea what is going on. I called XXXX XXXX and they said the only person that can stop the delivery is Capital One, yet they act like they don't know who to call XXXX XXXX to stop this delivery. I did my due diligence to try to protect my identify and they did nothing. I have been on the phone twice with them and they did nothing. I begged them to call XXXX XXXX to have this delivery canceled and they refused. They acted like they had no idea how to reroute a package when XXXX XXXX told me all they had to do was call and stop the shipment.
Consumer complaint received 2019-08-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ECMC GROUP, INC. (OR)

ECMC and US Dept of Education get {$100.00} from me every month, and they continue to say that I am in default or late. then XXXX College is charging me and I couldn't even attend the school. I disputed the amount and they are still on my record.
Consumer complaint received 2019-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

On XX/XX/19 I transferred {$250.00} from my PayPal account to my bank card. I paid the 10 % fee for instant transfer but after 3 hours the money never reached my bank but it disappeared from my PayPal account. I contacted PayPal and was told to check with my bank. My bank said that PayPal declined the transfer and that's why it didn't go thru. But when I contact PayPal again this time they said it was a communication error. I have spoke with multiple people at PayPal and no one can tell me where my money went nor will they will me when I will get it back. This is a lot of money for me. And I can't get ant straight answers from PayPal about when I will get it back. They said they don't guarantee these transactions but that can't be right. They can't just lose my money like that can they?
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one closed my account for no reason at all. First back in XXXX they had my accounts restricted saying they needed to verify me and all my authorized users. They had me send in a copy of every on DL front and back and social security cards also. After it took them a month in a half they got all of that corrected they fixed my account back to where they unblocked them from being restricted and reported it to the credit bureau that the account dispute was resolved in XX/XX/XXXX. So on XX/XX/XXXX I notified the credit bureaus about an inquiry that was showing for XX/XX/XXXX that I did not authorize. I woke up the next day and Capital One closed both of my accounts. They had me send a letter saying that I have both of my credit cards. I called them back on XX/XX/XXXX to get a update on my accounts that Ive had since XXXX and the man said they closed it for another reason. He never told me why my account was closed. I have never been late and I provide all documents that were requested for the 1st issue. This is has messed up my credit report because they closed my account in error or for no reason. They send a 24 month warning letter on XX/XX/XXXX and I provided information and then they still closed my account. The account was reopened now its closed again after I did my part as a consumer.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (HI)

I never agreed to change from paper statements to on line statements. I am not computer savvy. American Express made the change. I have called numerous times to change it back and each time assured it would be done and it was not done. On Saturday XX/XX/XXXX I called again. This time I was told my interest rate was in " penalty '' status since XX/XX/XXXX and the penalty is double my rate from 14 % to 28 %. I received no notice. Had I gotten my paper statement I would have known. The penalty was because 1-2 day late on occasion due to mailing as I am in Hawaii resulting in thousands of dollars over the 1 year period due to my balance that I thought was in a 14 % interest. I stayed on the phone two hours and was hung up on. On XX/XX/XXXX spoke to a supervisor who refused to give her name and told me I " case '' would be open someone will call me in 24 hours. XX/XX/XXXX I called back at XXXX and spoke to someone else who had no record of my call or a " case '' she put me on hold and said after I explained what I was told, oh only supervisors can see.. she then puts me in hold comes back and says 1 ) she has only the gender of the supervisor no name 2 ) someone will call me back in 24 hours. It is now XX/XX/XXXX I received no call or email except to tell me I can get statements " on line '' this email looks automated. I checked Amex website and found that any change in interest rate must occur after notice is given and that did not occur. Also that if I 'm late a late fee if {$27.00} is assessed not a doubling of my interest rate. 

Please help me.
Consumer complaint received 2021-12-24
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. (IA)

I am making a complaint because I noticed inquiries reporting on my credit report that I don't recognize. According to 15 U.S. Code 1666, the Credit Bureaus are breaking the law and are violating my rights as a consumer. The CFPB is suppose to protect my rights. I am making complaint hoping that this issue can be solved. 


INQUIRIES : PLEASE DELETE ALL INQUIRIES XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX Saturday XX/XX/XXXX, I initiated a wire transfer witch chase bank to take place on the next business day ( Monday XX/XX/XXXX ). On Monday XX/XX/XXXX the wire transfer status changed to completed and the money was withdrawn from my account. However the money never reached the recipient. I kept calling chase because domestic wire transfers usually shouldnt take longer then 24 hours, however they told me to that it was completed and to wait 3-5 business days maximum to see the money posted. I kept calling them and every time I was on hold for at least 45 minutes and every time I finally reached a live person they told me the same thing, the wire was successfuly completed without offering any sort of resolution. On Monday XX/XX/XXXX I called back again multiple times to initiate a wire recall, and after being on the phone for over 2 hours they just hung up. I called again on Wednesday XX/XX/XXXX, and was finally able to reach out to a representative who said they would initiate a wire recall. After spending hours on the phone waiting on hold and talking to customer service specialists who all told me the same thing. It took me almost 10 days to reach a specialist willing to try and offer assistance. However even after speaking over the phone regarding initiating the wire recall I have not received a confirmation or email anywhere that a recall was initiated, nor have I received the funds as of Friday XX/XX/XXXX. This money was sent with urgency and I expressed that to chase multiple times but know one was offering to help. Its been 2 weeks now and my recipient has yet to receive the domestic wire nor have I yet to receive a wire recall confirmation or the funds back into my account. As of now I have no idea where the money is in the process, and I will be changing banks when this issue is resolved. Customer service here is terrible and hold times on the phone are ridiculous. This is no way to conduct business.
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

My name is XXXX XXXX and I had my mortgage thru Select Portfolio Servicing. My XXXX unexpectedly passed away XXXX years ago and it has been a struggle to pay my mortgage ever since. I contacted Select to discuss a XXXX XXXX Pay. I was advised that this was an option and I needed to write a handwritten letter, provide proof of funds and make an official offer to payoff my mortgage. I owed approximately {$160000.00} at the time. My first offer was {$120000.00} and I was advised to make another offer. We asked Select to advise what amount we should consider, however they would not. I offered {$120000.00} and this was rejected. Select was contacted again and we were going to make an offer of {$140000.00}, however I was advised that since my home appraised for {$210000.00} and I owed only {$160000.00} XXXX approximately ) that a the full amount is all that would be accepted. Select recorded all phone conversations discussing this mortgage. I paid off the full amount after being advised this. This process took several month all along Select was collecting approximately {$1300.00} per month in interest on my mortgage. I have limited funds and am trying to pay off all my debts accumulated since the loss of my XXXX. I feel this practice was deceptive as if there was no intention of taking less than the full amount owed that should have been advised immediately saving me months of interest. We originally borrowed approximately {$210000.00} in XXXX and have payed XXXX XXXX interest the entire time. After paying off this mortgage I have given select over approximately {$600000.00} on a {$210000.00} loan. During this entire process they have not assist, modify or work with me any way whatsoever on my mortgage.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX ( XXXX ) has refused to report my mortgage payments to the 3 credit bureaus despite 2 phone calls to the loan Dept at XXXX and 3 disputes with the credit bureau. XXXX falsely reports that my mortgage loan was included in my XXXX bankruptcy ( XX/XX/XXXX ), but the loan was EXEMPT in my bankruptcy. They also report a XXXX balance on the loan and no payments being made, In addition, my credit report states the the account is CLOSED. I have made monthly payments on this loan every month since the account was opened in XXXX. The only explanation XXXX has given me is that I failed to enter into a reaffirmation agreement at the proper time. I explained I was unaware of the time limit, had no knowledge that this was necessary since I continued to make payments, and exempted this loan from my bankruptcy, XXXX XXXX (? ) was very rude in explaining that I should have had an attorney explain it to me. 

I filed bankruptcy in XXXX because I was in debt. A large part of that debt was to XXXX for a credit card. I was on a payment plan during XXXX, and allowed to make reduced payments. When the reduced payment plan ended, I requested that I be allowed to continue making reduced payments. They denied my request and my payments went back to the full amount. I fell behind on payments, once again, and made the difficult and embarrassing decision to file bankruptcy. One representative ( female ) told me that my mortgage payments were not being reported because of my credit card debt. I believe that is true. 

Since my bankruptcy, I have managed to raise my credit score to XXXX. I need my credit reports to accurately reflect my monthly mortgage payments so I can take advantage of lower interest rates. I recently purchased a vehicle and am paying a high interest rate. I was told if I had a history of mortgage payments, my rate would be lower. By refusing to report the payments I make every month, I am not able to refinance my home, or my vehicle. And my credit score will not get above where it is now. 

Your help in this matter is greatly appreciated.
Consumer complaint received 2023-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

After reviewing my credit profile on XXXX i identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/ and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validated this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/ there have been no updates and account is still reflecting on the report. I do not believe the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account and the from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Penn Credit Corporation (KY)

Calls business XXXX and leaves pre-recorded message for xxxxx to call. i called back and said it is me but they want me to confirm address, etc. i said i will not answer any questions, but please tell me what debt i owe. he indicated he can not proceed without verification. well, they have enough info to call my business ... .for which i return the call. but i will not give them more ammunition to continue harassing me. i owe no debts to anyone. i get nothing in the mail trying to collect debts other than some college thing from XXXX for {$200.00} ... .that now seems to be $ XXXX depending on what agency is buying it. if this is what they are calling about, i am shocked a college debt 20 years ago is still trying to be collected. i do n't even remember the complaint i had with the original company back then, but there was a reason. the company calling is penn credit www.penncredit.com XXXX.