davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened XXXX XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XXXX  Balance Owed : {$0.00}
Consumer complaint received 2018-08-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

The Toyota Financial Services ( " TFS '' ) account existed due to a two-year lease of a XXXX XXXX XXXX. The lease ran from XX/XX/XXXX to XX/XX/XXXXand the car was returned promptly at the end of the lease term in XX/XX/XXXX. In XX/XX/XXXX I was notified via mail that I had a balance of {$880.00} owed to TFS for a Disposition Fee and Excessive Wear and Use Fee. 
At the time I spoke with a TFS representative regarding the Excessive Wear fees and contested some of those charges. Per our conversation it was agreed that a portion of those fees ( precisely {$440.00} ) would be waived, as they were not reflective of true wear and tear on the vehicle in question. As a result I paid {$430.00} on a check dated XX/XX/XXXX. Per TFSs representative instruction the note section of the check unequivocally states, " Amount Paid in Full Following Contestation. '' TFSs representative assured me this wording would indicate the excess charges had been reduced and I had no further balance. This check was cashed and I was informed the account was closed. 
I was surprised to receive a notice of an outstanding amount of {$440.00} that has been sent to collections ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). I have spoken with a TFS representative ( XXXX, Agent ID : XXXX ) who referred me to XXXX XXXX XXXX ( XXXX  ) for further information. I refuse to call in order to discuss any debt as my previous conversation led to this matter in the first place and I prefer to conduct all dealings in writing as proof of what has transpired. 
The only amount that I would be willing to settle on is zero dollars ( {$0.00} ). My attempts to resolve this matter in writing has led to an offer to settle for {$350.00}. This is outrageous since I was already assured that my previous payment of {$430.00} would fully settle the matter.
Consumer complaint received 2023-05-08
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. (FL)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX  XXXX
Consumer complaint received 2022-12-21
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. (GA)

Ive written a letter this month with information and I have disputed several accounts in the past. There are several items that are inconsistent across bureaus, chargeoff status reporting balances when they should not, inconsistency with late payments that are inaccurate, a file reporting a past due balance when it is current and a zero balance and more. Each credit bureau has been sent detailed letters on what was wrong and what needs to be updated. I want my report updated as written in the letter.
Consumer complaint received 2023-08-15
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. (NJ)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

I have multiple degrees and multiple loan groupings. I applied early to the XXXX program in XX/XX/XXXX and was confirmed by XXXX that all would be eligible for XXXX. Nelnet has kept my professional loans separate in standard repayment, despite my grace period ending XX/XX/XXXX. They have the loans marked due in XXXX and telling me that these loans will not be processed under the XXXX program until then, and that I will be responsible for the interest accumulating daily on these loans while they take the time to process. They are clearly not equipped to be servicing these loans. I have called XX/XX/XXXX, on hold for an hour and told these loans would be on XXXX by the end of XXXX. XXXX on hold for XXXX minutes and didn't get to talk to a servicer. I have sent multiple emails as well. XX/XX/XXXX, XXXX -- on hold for XXXX hours only to be told they are going to need XXXX extra days to process the application that was submitted in XX/XX/XXXX, and that I would owe interest because of their incapabilities. I made an online payment of XXXX $ on XX/XX/XXXX with the special instructions that they go towards my professional loan interest only ( AL, AM, AN ), but of course they applied it to the incorrect loans that were already in XXXX and should not have been paid. They make themselves unavailable for it to be corrected on the phone. I dont have XXXX hours to wait on hold. I have to work during business hours when they are actually open and I have my daughter to take care of at night. Every time I call in and actually do get to talk to someone after hours, nobody knows what's going on and somehow I am the expert on the loan statuses, explaining to them what the issue is. Clearly they have no interest in processing the application so they can continue collecting interest that should no longer be accumulating. They need to be held accountable for their ineptitude and wrongdoing. They are preventing access to knowledgeable servicers who can actually answer what is going on with the loans, hoping people will give up when they can't get through.. I spent years in school so that I could be helping patients, and instead of opportunities to refine my clinical skills I'm spending my time off on hold for hours because of this shady loan servicer. Shame on Nelnet.
Consumer complaint received 2024-05-02
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: CarMax, Inc. (CA)

On XX/XX/XXXX I was contacted by a loan officer from XXXX XXXX who informed me that XXXX had recently bought out XXXX, the company I pay a subscription fee of XXXX XXXXXXXX  monthly for my vehicle. I was informed that I had the option now of buying out my car and to put my XXXX XXXXXXXX  monthly payments towards a loan through XXXX that would result in me owning my car at the end of the loan agreement. 
I asked the loan officer directly and clearly what was needed on my part. She said that I already prequalified and that she already started drawing up the loan terms. I expressed that I would only want to do this if the loan terms were less than what I was already paying for the subscription through XXXX. She told me that I needed to open up my credit file on XXXX because I had it locked so that she could do a soft pull on my credit which would not reflect on credit report. I agreed to a soft pull. A few days later I received a call where the same loan officer stated that although I have proven that I have been paying {$600.00} dollars a month without a single missed payment she was unable to get me a loan through XXXX. A day or two later I received a notification from XXXX saying that a new inquriy was listed on my report and it was from XXXX. When I called the representative back from XXXX she stated that it was a softpull initially but her supervisor had to do a hard pull after we got off the phone. When i expressed my anger with not only getting a loan but also now having a inquiry on my credit file which will prevent me from building my credit and in the future qualifying for a loan or credit card, she apologized but stated there was nothing she can do. 
After looking deeper into the inquires section on my report I noticed that when I was car shopping in XX/XX/XXXX I applied for a loan through Carmax, where I was able to see that during that time Carmax allowed several auto loan companies to run my credit. I was told that carmax was running my credit not the 15 other auto lenders. I felt completely bamboozled so reached out to XXXX to have these removed. They informed me that I had to go through CFPB to have them removed from my report by filing this report.
Consumer complaint received 2023-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (FL)

After reviewing my credit profile on XX/XX/XXXX| identified a discrepancy with account listed under JP Morgan and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXXXXXX  and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXXXXXX  there have been no updates and account is still reflecting on the report. I do not belleve the account belongs to me nor do I believe that the creditor has authorization to access 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 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 2023-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XXXX I was charged by merchant XXXX XXXX XXXX twice without my authorization. I was charged {$110.00}, and an additional XXXX ( with a {$5.00} tip included for a total of {$120.00} ), but the charge with the tip included is the only charge I authorized and signed for. I inputted a claim with Chase Bank and they notified me that there isn't anything they could do and to reach out to the merchant. When I reached out to the merchant, they tried to justify the double charge and the fact that they swiped my debit card twice for the same transaction. I have a receipt showing the charge for {$120.00}, the one which I signed for and submitted to Chase as proof, but they refuse to acknowledge it. Therefore, they advised they will be taking the provisional credit of {$110.00} back out from my account. I should not be responsible for the merchant double swiping my card.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have sent this company a cease-and-desist letter. this company has refused to adhere to the to the federal guidelines by ignoring my request in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of XXXX. please have this company cease all collections activities this is my last attempt to complain outside of court.
Consumer complaint received 2023-12-09
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC. (NJ)

This is a situation that is totally unfair, on XX/XX/2021 I went to a location at the XXXX hospital looking for information with the XXXX XXXX due to problems I had XXXX, and I don't know how they are charging me {$820.00} dollars for a service that I never received, at that time I only wanted information, and now my name and social security are compromised and they sent my information to a collection agency and for that reason I can not obtain credit to buy a vehicle and for that reason my credit is On the ground, I am a single mother with a minimum salary that a medical bill for a service that I did not receive is causing me so much stress and personal problems, I need XXXX hospital to resolve this and stop calling me and delete that information from my credit history, I went to a hospital looking for help to XXXX and they worsened my situation to a critical degree.
Consumer complaint received 2023-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2023 I spoke to a very rude condescending XXXX XXXX XXXX, ( at least that is the name he gave me from XXXX Tx ) ( XXXX ) XXXX. Since he refused to give me any information, I had to ask and then demand NUMEROUS times to speak to a supervisor, because he kept refusing me, and he continued to refuse to transfer me, telling me his supervisor is XXXX. Fast forward, here we are! Take a look at ALL Of the Complaints not only I have had to file against this lousy corrupt crooked bank but all the other consumers as well. How do they continue to stay in business?
Consumer complaint received 2018-08-13
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. (GA)

I purchased item from XXXX thats not compatible to my computer. I wrote a letter to the company and they refused to take the merchandise back. I had my attorney forward them a letter.. I dispute this charges to my XXXX credit company and I was refunded. Recently, I review my credit file and see that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is report a collection. I want this erroneous information remove from my account immediately.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I started advising 5th 3rd bank I was leaving in XX/XX/XXXX due to unauthorized charges always showing up on my accounts. Then in XX/XX/XXXX I told them again several times that I was leaving effective XX/XX/XXXX. I had opened my new account with my new banking XX/XX/XXXX but had to wait for Social Security to transfer my check to my new bank which they did XX/XX/XXXX. 5th 3rd bank failed to close out my checking account, XXXX credit cards and XXXX debit cards ( which they had failed to close after sending me new ones ), but this was not known to me until late XXXX when I got a statement saying I owed {$110.00} for XXXX or XXXX transactions they said I owed. I disputed this and my dispute was approved on XX/XX/XXXX but they still are saying I owe {$210.00} for overdraft charges put on my credit card for XXXX transactions they paid after I had left the bank, XXXX XX/XX/XXXX and the other XX/XX/XXXX. Even though I had left the bank by that time, I went in to the bank and paid them {$120.00} for these XXXX transactions. I have been since XX/XX/XXXX trying to get this fixed. The charges had totaled up to {$500.00} but they have since deducted everything but the {$210.00} in overdraft charges for the {$120.00} transactions that I paid and was not even a customer at that time but they paid these XXXX transactions anyway. Please help me if you can. They even opened XXXX credit cards in my name so they could apply fees, charges, and interest to after I told them to close the XXXX credit card that I had during my stay with XXXX XXXX.
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I tried to send money and they closed my account and declined the transaction. I contact them to ask for explanations, they didn't gave any reason to cancel my account, didn't ask for any form the identification, the only option was me go to an office and take my ID. I explain them i am in a military base, i am in the XXXX XXXX in a year-long XXXX and there was not any intention for verify and resolve the issue. I offer them to check my military orders, my IDs, my passport, they suddenly finish the conversation without allow finish my arguments. That happens today XX/XX/2023, XXXX XXXX was the person who was talking to me.
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/ I received letters in the mail that five of my credit card accounts had been closed. I phoned the company, Citibank, and requested information as to why the accounts had been cancelled. The representatives refused to give me any information and told me that, as the letters described, I needed to request the information by mail. I sent such a request. As of now I have not received the information. I am XXXX XXXX XXXX XXXX  The card cancellations with no reason are a significant challenge for me, especially at this time of year. The refusal to communicate by phone I find difficult to understand.
Consumer complaint received 2023-04-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Carvana Group, LLC (ME)

Carvana lied about my contract terms, the XXXX registration and problems they didnt report with the car. Also my extended warranty didnt cover any issues the mechanical deem preexisting. I cant get any help wit from them and I cant even get a copy of my contract to have a lawyer go over it
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I was never late on the paid off accounts listed below. Please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete the alleged late payments from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (FL)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

I received a letter from a collection company named AArgon Agency INC stating that I owe {$470.00} and I have requested and disputed proof of debt but this agency continues to call mail and report this debt to the credit bureaus affecting my credit. Please have them refrain from contacting me and stop reporting this fraudulent debt.