davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I am disputing this d ebt collection fr om Toyota Finance Corp for t he following reasons : On   XXXX   2013 I lost my job,  I fell behind in my payments and notified  toyota that I could no longer pay the agreed upon pa yments. I asked if we could work something out and get into a program, I wanted to pay as much as I could until I got another job. I ended up owing them 3 months of payments about 1200.00. They refused to negotiate with me and repossed the car. They added on  XXXX  for the repossession and then started adding on additional chargesto sell the car and transport it to another state. I have no record of these charges. The  XXXX  I owed them became {$4700.00}, they kept adding on charges and interest. I could have had the car almost paid off by now. This was unnecessary on their part, they have ruined my credit f or four y ears and I have tried to come to an arrangement with them. They treated me completely unfairly. They want {$4700.00}, for a car they took from me when I only owed around {$1200.00} originally. That is completely unfair, they have the car and they unjustly charged me. I just want to settle this dispute so it can be removed from my credit rating.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX  -     XXXX   XXXX   XXXX   XXXX   XXXX   (  XXXX  ) automatic payment service (   XXXX   XXXX  /mo ) failed to cover a {$0.00} balance on  my HELOC ac count.        XX/XX/XXXX   - I noticed a 30-59 da y delinquent report on my report for my   XXXX   XXXX   reported by TransUnion. This was not reflected on my   XXXX   report.        XX/XX/XXXX  -  I  contacted  XXXX  requesting that they update and correct  my credi  t score o ver this error in their auto-pay system. They agreed and said it would be a few days to update on my credit reports. The update was reflected on the   XXXX   report but not the Transunion report.       XX/XX/XXXX  -  I disputed the delinquency on TransUnion web site, which had lowered my credit scores Transunion and  XXXX , mentioning that   XXXX   was correctly reporting a 100 % payment record.      XX/XX/XXXX - While I did not receive Transunion 's promised " Dispute Resolution Email '', I noticed that the  XXXX   reporting h istory reflected t he 30-59 day d elinquency within n two  days of the dispute. Never did I receive an investigation resolution email.       XX/XX/XXXX  I ag ain asked  XXXX  to correct and update my credit record. Within  two  days,   XXXX   corrected the record to reflect a 100 % on time payment record, while TransUnion did not.       XX/XX/XXXX   I again disputed the record via TransUnion 's web site claiming that I never received a  Dispute Resolution Email  the first time reported and that this is still incorrect.       XX/XX/XXXX   No response received from TransUnion, but again, my   XXXX    score dropped  XXXX  points to  XXXX  from  XXXX  the only change bein g a 30-59 day  delinquent charge, coincidental with the dispute of TransUnion 's report.       XX/XX/XXXX  to date,  no response from TransUnion regarding my any of my efforts to dispute and correct this report.     The TransUnion score and the  XXXX  score which they provide affects my access to loans for which I qualify and could affect my auto insurance rates, among others, of which  I may no t be aware.
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

In  XXXX    XXXX  , we obtained a mortgage loan through t he Citibank Mortg age. The mortgage account has a promotional offer attached. We expected that a cash bonus equivalent to the first mortgage payment, up to {$2500.00} would be deposited to my linke d Citibank checking  account within 90 days of the end of the statement period advertised as lo ng as the requirements are met. We carefully followed the instructions from the advertisement and has met all the requirements by 1 ) obtaining a new home purchase mortgage loan from Citibank, 2 ) opening a personal regular checking account in the Citigold Account Package, and 3 ) signing up monthly debit of the ortgagement but nothing happened. No fund was ever deposited to my account. We contacted the company for the next few years, but every time they said they put it on note and would investigate but we never received any response. Here is the case number   XXXX   and one of customer service representative IDs :  XXXX
Consumer complaint received 2017-05-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MD)

We were contacted by mail b y Convergent Outsourcing Inc. (  letter dated  XX/XX/2017    ) in an attempt to collect a " debt '' for {$2600.00} to  XXXX . We have never had an account with  XXXX . This is a scam company. The next wee k ( letter  dated   XXXX   XXXX   XXXX     ) we received a letter supposedly from  XXXX , attempting to collect a debt of {$2600.00}. I called  XXXX   XXXX  the real  XXXX   ) a nd gave them the " account number '' at the top of the letter. Sure enough, it was associated with my husband 's name. But the account was " under collection '' and they could n't tell me anything about it. When I told them this was being done by a scam company and we did n't have a real account with them, they told me to disregard the letter. I asked that a complaint be reported to a supervisor at  XXXX  since Convergent is engaged in illegal actions using  XXXX  's name.   I am concerned that many people are being scammed out of money by this company. The letter said that if we did not pay, that  XXXX  would be authorized to charge the full amount to what ever credit card we had on file with them. If someone had received this letter and actually did have a card on file with  XXXX , that would be very scary! Please do whatever you can to shut this company down!
Consumer complaint received 2017-05-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX     Ref : Account  XXXX  To whom i t may concern , This letter is to file a formal complaint against Citibank. Let me start by saying that when I first opened this account 2 years ago I was never explained how the line of credit would worked, which caused an issue for me as I began to accrue charges on my account. Sometime around   XX/XX/XXXX  I called customer service and inquiry about the balances showin g on my bank statement. This customer service Representative assure me that I did not owe any money that the balances on the statement was the money that I have. Today when I received my bank statement I called the customer service and find out that in fact I had a {$1100.00} balance on this credit line which I have been charged interested since  XX/XX/XXXX , as well as {$10.00} transfer fee for each transaction. I had money on my savings account and I asked why the money was not taken out of the saving account to cover these fees instead of continuing to charge me interest for almost a year. I do not believe the charges are fair. I hope that this could be investigate and resolved. I paid all of the balance so that I do not have to pa y 16 %   interest anymore.     Sincerely,  XXXX   XXXX
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I called XXXX XXXX on XX/XX/202 I called XXXX XXXX XXXX on XX/XX/2023 to get my free monthly clean up and check up in accordance with my XXXX XXXX XXXX telephone call with XXXX XXXX. I spoke with XXXX and XXXX. XXXX advised that the " Warranty '' is not from XXXX XXXX. It is a scam. Because my XXXX and XXXX would not print from my XXXX XXXX printer. I was advised by a XXXX XXXX at XXXX that there was nothing wrong with my printer. He advised that my XXXX warranty is expiring -that I needed a new warranty. I paid XXXX {$540.00} for computer/printer/email/document security, unlimited technical support, monthly clean up, personal tech help, 2 years technical and software support. When I called XXXX on XX/XX/2023 for printer assistance I was advised by someone named XXXX at the legitimate XXXX that this was a scam. I reported the scam to Bank of America 's Fraud Department. on XX/XX/2023. Although Bank of America went through a process to attempt to recover my funds they were unsuccessful per their XX/XX/XXXX email to me. Therefore, I will not be receiving my scammed {$540.00} refund from Bank of America. I am therefore asking the Consumer Financial Protection Bureau for help in receiving my scammed funds.
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VA)

I was in  XXXX   XXXX ,  XXXX  from   XX/XX/XXXX     ;  XXXX ,  XXXX  from     XX/XX/XXXX  ;  and again in  XXXX   XXXX  from     XX/XX/XXXX     before returning to the  USA   (   XXXX ,   XXXX  are a ). I also had a connecting flight in  XXXX ,  XXXX . On   XX/XX/XXXX  I G ot back to the USA at  XXXX  and called my credit card company shortly after, because I got a text message saying that there was suspicious activity on my card. It was with my  XXXX   XXXX   XXXX   XXXX   XXXX   MasterCard, which is powered by barclaycard. The agent from my credit  card company that I spoke to went over the charges that looked suspicious and I knew they were n't mine, and they were marked fraudulent. There were  XXXX  fraudulent charges of {$340.00} made on my account on   XX/XX/XXXX   or   XX/XX/XXXX   and  XXXX  charges of {$180.00} made on   XX/XX/XXXX  . Not only were these  XXXX  fraudulent charges cash advances, but  I  'never ' use or used my credit card to make cash advances. I was scammed by crooks. I could be wrong, but now I am thinking that this may be how these crooks were able to scam me ... On   XX/XX/XXXX   I went to the  XXXX   XXXX   XXXX   XXXX  and I made a purchase at the   XXXX   XXXX   with my credit card and when I inserted my card into the chip terminal, it rejected my payment at first, so a person behind the counter said that I need to type in my pin, so I typed it on the key pad. Then I think they used a different machine the  2nd  time and it accepted my payment. I believe that  [  maybe ] my pin could have been stolen that way. Otherwise, in  XXXX , I only used my card to get train tickets a couple times ; at the  XXXX   XXXX  ; at the  XXXX   XXXX   XXXX  ; and a couple times at gift shops in  XXXX   XXXX   XXXX . I never use my credit card to make cash advances, I only do " swipe '' transactions, and I would not have spent {$340.00} or {$180.00} in a single transaction, or multiple transactions in this case. I 'm a victim of credit card fraud and I should not have to pay an " extra '' {$1300.00} on my bill that I 'm not responsible for. So today on Thursda y,   XX/XX/XXXX    I got a letter from the fraud investigation department saying that their research has indicated that the transactions are valid. So as of now I 'm responsible for " fraudulent '' charges that were made on my card by someone else. I was then told to call the    XXXX   XXXX    in  XXXX   XXXX  and they could n't help me ; I was told to call the  XXXX   XXXX  police and I was hung up on ; and I was also told to backtrack the merchants on my account where the fraudulent transactions were made, and the names are n't even showing, because they 're probably various ATMs. I also suffer from  XXXX   XXXX  and I do n't make such a large income, so to pay a large amount " extra '' on my credit card is in no way fair. Thank you.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I received a credit report from Experian regarding a previous complaint on XX/XX/XXXX, Dispute Results Report # XXXX. It says to assist you in understanding summary, we have provided additional information that relates directly to items on your personal credit report. PLEASE REFER TO YOUR CREDIT REPORT FOR UPDATE. THERE WAS NO UPDATE. They don't explain what they call a FICO Score 8 as to why it dropped 62 points. They quote to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited time amount of your information regarding dispute. This dispute was made on XX/XX/XXXX, and dispute done on XX/XX/XXXX. That is not what they said in the reponse to my CFPB Complaint. On my credit report they are allowing XXXX XXXX under Status Foreclosed. This account is scheduled to continue on record until XX/XX/XXXX. They are allowing XXXX XXXX 's statement remain on my report that this account is to continue XX/XX/XXXX when it doesn't match their payment history. This item was was updated of your dispute in XX/XX/XXXX, again no update. As a consumer on a foreclosed property the date starts as of the the first deliquency date and stays on your credit report for 7 years. My first deliquency date was XX/XX/XXXX which shows on XXXX and XXXX and should be removed on XX/XX/XXXX. You as a credit reporting agency that see 's my credit report that XXXX XXXX will remove the foreclosure in XX/XX/XXXX, which is not true. I am tired of fighting with Experian and their dropping my credit score by 62 points. Their customer service reps don't know what their talking about and they are rude compared to the other bureaus. You as a credit bureau reporting agency are the worst for customer service. I may have difficulty speaking with XXXX   and XXXX but they are polite. I have my foreclosure coming off of Experian XX/XX/XXXX, XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. So XXXX XXXX reports the wrong information and the credit bureaus are letting them report the wrong information. Again I never made a payment in XX/XX/XXXX and I want the payment of XX/XX/XXXX removed. I want you to see what they were reporting to XXXX which XXXX XXXX f/n/a XXXX XXXX XXXX changed when they took over in XXXX. Now see the company I am fighting to make them get my credit reports right to all credit bureaus!
Consumer complaint received 2017-05-05
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. (CA)

XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be  liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly i nvestigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or  in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against   XXXX   XXXX    & TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Consumer complaint received 2017-05-04
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. (GA)

I have written/se nt 3  certified letters to   XXXX   and Experian o n 3 separate occasions to dispute an inaccurate Public Record/US BKPT CT GA that is being reported on my  credit report. In my letters, I requested   XXXX   and Experian provide me with any and all information that proves/verifies this information belongs to me if the inaccurate  Public Record was not removed. The only information I received after multiple requests for removal of the inaccurate Public Record is an updated credit report stating that the item in question was verified or verified as accurate. I have   never received any supporting documentation on how they verified and came to this conclusion. I feel that MY RIGHTS have been violated as a consumer and I am requesting your assistance with this matter to have this inaccurate Public Record/US BKPT CT GA removed from my report.
Consumer complaint received 2018-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (WI)

I am a victim of identity theft that I believe occurred during a vacation in Florida where I lost my purse. I did not receive any money, goods, or services as a result of the identity theft. Since I have noted collections accounts for apartment leases and a utility bill. The credit agencies and creditors have refused to remove this information after multiple attempts to clear my report of these unlawfully gained accounts.
Consumer complaint received 2017-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

XX/XX/XXXX  - One month after getting a consolidation loan for $72,xxx, hit with a capitalized interest fee. That's how it started.

-Challenges with payments, they did not keep me on income-based repayment plans, instead, pushed towards capitalized interest and using forbearance. 

-Declared bankruptcy by   XXXX   XXXX   after a full year of unemployment and still not notified of better options for income issues. Consistently referred me to forbearance.   XXXX   XXXX   customer relations staff often did not have American English as a first language, making it even more difficult to understand options.

-Asked multiple times on Public Service Loan Forgiveness, and was told they knew nothing about it. Found out on my own finally in   XXXX   and lost a full 7 years of potential service and turned down positions which could have helped.

-Dates of forbearance pile ons via capitalized interest:
  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  

-From   XXXX   -  XXXX , 20 months of consistent standard payments, of which  XXXX  went towards capital.

-Total Capitalized Interest with fees since  XXXX : $17,xxx

-Current principal owed 12 years later from loan origination date: $80,xxx, or + $9,xxxx more then when I started in  XX/XX/XXXX 

-Original College Payoff Date:  XXXX , age approximately   5 XXXX  making regular payments for 30 years Current College Payoff Date:   XXXX  , age approximately     XXXX  , making regular payments for 30 years
Consumer complaint received 2017-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WI)

Hello, I have a student loan with  Navient  for approximately  XXXX . I have a family member who co-signed on the loan for me and I have been trying to get him removed. When they pulled my credit report there is an old judgment from  XXXX   XXXX  from    2011. I had  my wages garnished until the loan was paid in-full and closed. This is the ONLY thing negative on my report. I desperately have been trying to get this removed and have had no success. It 's been 7 years! Do n't they have to remove it at   7  y rs? I will do whatever it takes to get this removed. It has cost me my relationship with my brother and his family.   Please help!
Consumer complaint received 2017-05-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (SC)

I have tried several times to have  Navient  update my credit reports. They are showing several late payments while I was in deferment or forbearance. I called and asked a representative by the name of  XXXX  to please send me a full file of my account and was told they ca n't and I would have to research everything myself. I have filed several disputes with the credit bureaus but they obviously are not really researching these accounts. I have sen t Navient  my student loan data which clearly shows I was never in a repayment status when these late payments were to occur and still have heard nothing. These late payments are definitely affecting my credit and preventing me from obtaining credit.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (FL)

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a XXXX XXXX XXXXXXXX XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why XXXX made it very clear that US Bank, XXXX XXXX, IN Members XXXX XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ).