davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello! 

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurates informations on my credit report. This is violations 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

The reporting of the late payments are also not accurate!!! 
these should not have been reported in the first place!!!! THIS IS ILLEGAL This is an inaccurate direct violation 15 USC 1666b, Remove late payments Asap By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will get the creditors to abide by my demands per Us law or be prepared to face some legal consequences! 


I tried to talk to the creditors and they turned me down. They hung up on me. 
They did not help my situation!! 

Now im demanding that these things be removed or prepare for {$1000.00} fines to be dished out! 

XXXX XXXX
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am writing to express my concern regarding the unresolved status of my account despite multiple attempts to rectify the situation. To date, I have submitted three separate requests via your website, email, and telephone services to address an issue pertaining to my account balance, which has been paid in full. Regrettably, I have not received a response, nor has the matter been resolved.

Furthermore, I have initiated disputes with all three major credit bureaus as my account continues to inaccurately reflect an outstanding balance. Despite these efforts, the credit reports remain unchanged, indicating that I owe a balance that is incorrect.

I earnestly request your immediate attention to this matter. Prompt and decisive action to update my account status with the credit bureaus is imperative to rectify this error.

Thank you for your attention to this matter. I am looking forward to your prompt response.
Consumer complaint received 2017-09-21
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: CITIBANK, N.A. (FL)

My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I may have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within 24 hours at the latest and I wo n't accept nothing no later.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

At the end of last month, Chase informed me that I was going to close my account. That night, I tried to communicate with them to ask why, but they said that they had closed my account, saying that they were investigating the fraud in my account, and told me that I would tell me the result after 10 working days, but I had been waiting for more than 20 working days. I still don't know why chase thought that my account would have fraud, my account was normal, and did not let me know how long the investigation time would be.
Consumer complaint received 2018-04-17
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 — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

My paid subscription directly with XXXX is showing a 53 point higher credit score ( Fico Score ) than when my lender pulls it ( USAA ) all of the accounts, the dates and balances are identical. I have compared the two reports line by line, nothing is different but the scores. This can not be justified, and is very dishonest as it allows the lender to charge higher interest rates on loans.
Consumer complaint received 2017-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

I made a payment on their website for my first auto payment on XX/XX/2017 for XXXX. The Toyota Financial Services website was specifically designed to not allow a principal payment in the payment area. The regularly scheduled payment was for {$260.00} and I had paid an extra {$200.00} toward the auto loan amount so as to reduce the amount of the payment term. The representative did state she would reclassify the amount of this first payment to both regular payment and principal for this instance. However the issue came up when I asked if I could make both a regular payment and principal payment on the same payment submission area of the website. The representative stated that in order to receive credit for the payment in the future that I would have to submit only regular payment amounts on the website. She further stated that to receive a principal payment I would need to write a separate check and send it regular US Mail to the address shown. I expressed my dismay at the answer to my question, but she stated that is only I way I could do this. I feel that this is unfair trade practices and that this finance company to allow for both payment types ( regular and extra Principal ) on their website to occur. I think it is egregious that we ca n't have a one stop payment website. I have a long term 84 month on my auto and I wish to reduce it by any means possible. It not good customer service to Not allow for extra payments to be made online at this company. Thank you.
Consumer complaint received 2018-06-06
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 (MO)

I have been charged with a missing key on XX/XX/XXXX for {$400.00}. We have repeatedly told Toyota Financial that the 2nd key was placed with the documents and it was placed in the glove compartment. Please note that the car will not lock if it senses a key inside the car. The car was placed under the dealership from XX/XX/XXXX, until it was inspected on XX/XX/XXXX. The XXXX XXXX XXXX was left unlocked for 7 days. During this time, the key was either removed from the car and misplaced or thrown away. No one from the car dealership nor the Toyota Financial contacted us for the missing key only after I received a letter on XX/XX/XXXX, noting that I own them {$400.00} for the missing key.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX I Have 1 date of birth XX/XX/1964 I have requested over 10 times to have my correct information up dated and all 2 credit bureaus have failed to correct my credit reports with my correct information.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

I keep disputing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report but it'll reappear the next business day. What the XXXX is wrong is Equifax XXXX XXXX XXXX or company to where I have to keep re-disputing the same inaccurate information off my consumer report. I so, close to suing they XXXX for violating the FCRA because no inaccurate information is supposed to reappear on the consumer report. Including they're reporting inaccurate in the first place. Attached is the confirmation for number of disputes for the same item & its more.
Consumer complaint received 2022-10-25
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

This problem has been ongoing since XX/XX/2019. First with XXXXXXXX XXXX and now with PHH, the successor to XXXXXXXX XXXXXXXX PHH is requesting {$390.00} for a p-payment made for condo fees which were stopped when a checking account was mistakenly closed out. On XX/XX/2019, a payment for {$310.00} was withdrawn from my XXXX bank account ( see enclosed confirmation card from XXXXXXXX XXXX ). XXXX XXXX  Representatives continued to harass me for payment, so I sent them the enclosed letter and check # XXXX XXXX XXXX ) for another {$390.00} on XX/XX/2019. Over the past XXXX years XXXX XXXX  and PHH have continued to harass me for the {$39000.00}. By all accounts, XXXX Mortgage and PHH owes me {$390.00}. This information and many telephone communications have been provided to the mortgage companies but they refuse to accept it and refund my {$390.00}.
Consumer complaint received 2023-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (ID)

This company Midland Credit Management continues to make new phone calls to harass and call at odd hours such as XXXX or after XXXX and they make new numbers every time you tell them to stop calling or block the number, they will call again with a new number. I don't even know what this is about because the only debt I have had in the past I am in a dispute about with the medical provider because I have paid them and have evidence of having paid them and they are trying to fight me on it. This should not be a part of debt collection at all if I am still talking to the medical provider themselves. This company continues to harass at odd hours of the day, calling when I am working or sleeping. The calls are robot call you can't even tell someone to stop calling.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (SC)

COVID federal student loan flexibilities started on XX/XX/XXXX ( see photo with history of flexibilities passed by congress ). At that point, interest was 0 % and student loan payments were suspended. 

On XX/XX/XXXX I requested to switch my XXXX plan from XXXX to XXXX. I submitted an application with XXXX to get this completed. This application was processed on XX/XX/XXXX. On the same day, I received notice that my student loan interest had capitalized from repayment plan change ( see photo ). So my interest was added to my principal loan balance and effective accrued interest was {$0.00}. 

I have since applied for XXXX, as I am a physician working for a non-profit organization, and have been since XX/XX/XXXX. On application to XXXX, my loan servicer was switched from Great Lakes to XXXX. This was completed between the timeframe of XX/XX/XXXX ( closed accounts with Great Lakes ) through XX/XX/XXXX at which time I had access to and all accounts with XXXX servicing. 

On logging in to XXXX to prepare for return of student loan payments, I noticed that I had interest accrued of {$6700.00} ( see photo from XX/XX/XXXX ). At that point, I was in forbearance ( still for XXXX ) with a 0 % interest rate. After noticing this, I reached out for guidance from XXXX, who indicated that in their investigation student loan interest had accrued prior to transfer to their servicing. On discussion with student aid.gov ( 2 complaints/case submissions ), they encouraged me to get details of payments, loan history and interest accrual from XXXX. This was requested and never provided. After I was unsuccessful here, I moved on to submit a complaint with NelNet ( took over all servicing for Great Lakes ). See photos for submission dates - I have not received any response or feedback from them. I also submitted second case with XXXX and have gotten no response.
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2024 around XXXX I received a phone call and caller ID said JPMorgan Chase . At the same time of taking the call I received a text message stating it was Chase Bank fraud alert saying that they were declining an {$830.00} charge for an XXXX XXXX. Caller on phone said he was calling from Chase fraud department and that they were trying to verify activity on the account. He asked if i was in Florida where the charges originated which i stated I was not and that i didnt authorize those charges. He said they would fix them and refund the charges. He asked if i was attempting a wire transfer as that was showing up on my account as we were talking. I said no it was not me and that I dont authorize it. He said the amount which was {$42000.00} and to a company name I didnt recognize and I then stated again i didnt authorize it. He said they had a lot of different devices on the account and named off different phones and computers devices that they could delete off there to stop anymore transactions. When he got to my phone they requested me to log in to verify that it was the only device on the account. After that they sent a code through the Chase account and requested that code to verify it was me just like Chase had done before. After he was done setting things straight he said the transfer was on hold and that it would appear the money was gone but not to worry that it was just on hold. This call lasted over an hour and a half and didnt seem off at all. When I hung up I called my Chase Business account personal banker to verify they had fixed everything. She didnt call back for over an XXXX XXXX XXXX When she called she asked what info and asked for the number that called me. I gave her the info and she said she would call me back. When she called back she stated that in fact those were scammers and they stole the {$42000.00}. She was filing a claim and that they werent sure if they could reclaim my money. After days of fighting with Chase Bank and XXXX and even the local police and FBI Ive gotten no info back other than they denied my claim and werent going to return the funds.
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (TX)

I filed an identity theft affidavit quite some time ago regarding XXXX XXXX credit card appearing on my credit report I submitted the documentation over to XXXX XXXXXXXX. The information was removed from my credit report now here as of late Midland credit is now trying to collect on this debt that was identified as identity theft. My identity has been on high alert since 2012 when a Florida inmate got a hold of my entire child support case profile which contained my Social Security card, my birth certificate, date of birth place of employment, along with my childrens information and their dads Midland responded stating that they provided proof regarding the debt. However, the only thing that was provided was a bill that shows charges and no payments ever being made on the bill. They requested a police report. I filed numerous police reports prior to this situation and was advised that I did not have to continue following police report as there is an alert on my credit profile. Needless to say, my credit information was also compromise by the credit bureaus, and their multiple data breaches the information will be enclose in this documentation. It was mentioned in my previous complaint that the dates did not online. However, if the identity theft report or affidavit was read correctly, it ask when I noticed the fraud on my account, not the date that the card was issued or applied for. I do not use credit cards this is the ONLY derogatory mark on my credit report, which has made my report score go down drastically.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (OH)

In XXXX of 2023, I realized my renewal card was sent to an old address. I called XXXX XXXX card services abt my Milestone account that ends in XXXX. They updated my address/ sent new card, but then blocked my account for fraud activities. I called them, genesis/milestone wanted me to fax my ID. I informed them that I do not have access to a fax. I asked them to provide an email so I can update my ID/ prove who I am. They said they dont have email. They blocked my card ( which is fine ) they blocked my access to my account online so XXXX cant access the account or make payments on my account. Today, I requested that they mail me statements so I can see my acct activity. They refuse. They are reporting late payments to my credit bureau and charging late fees, but are not providing me with a monthly statement. They said my statements are emailed to me- Which is not true. I get an email reminder to login to my online account to make a payment. I can not login to my online account because access has been restricted. Ive called XXXX times between XX/XX/2023 and today, XX/XX/2023 asking for a statement of account. I told them to keep my card off ( because I cant fax them my ID ) but please provide a monthly statement so I can pay my card balance off and see the payments posted etc. They refuse to provide me with any monthly statements. They are not emailing me my statements. But they are reporting on my consumer report. today I talked to XXXX who closed my account/ told me my balance/ but still refused to provide a statement of account. They have charged me an annual fee of over XXXX $ even though I can not use the account. Im trying to resolve this situation and pay off the balance but its been a struggle. I just want a statement of account and to pay the balance off. The kicker : I have an Indigo card with Genesis/ XXXX XXXXXXXX and my address is correct on that account and I can use that card just fine. I can access that account online without any issues so they can clearly see that there is nothing fraudulent going on. Im not even using either card, just paying off balances. They could verify my address on my other account and just mail my statements to me. I havent seen an account billing statement since XXXX of 2023 but Im expected to make payments. Im not sure what Im paying. Am I over paying? Are they charging me fees that I dont know about. Please assist in getting this resolved. Thank you.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

I opened a Citi priority account with {$700.00} welcome bonus on XX/XX/XXXX. XXXX. All the requirements were meet by XX/XX/XXXX. It has been about 60 days since both requirements were meet, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. 

Here are more details. The requirement to earn {$700.00} bonus is to keep deposit $ XXXX within first 30 days of opening the account and maintain a minimum balance of $ XXXX for 60 days. My accounts have more than $ XXXX balance since XX/XX/XXXX. So, this requirement is fulfilled by XX/XX/XXXX. Please ask Citi to post {$700.00} credit as advertised.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2023-11-05
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

After my most recent payment the company arbitrary placed me in a position to lose possession of my vehicle. These action was committed by the lender immediately after I filed the most recent complaint against TitleMax in regards how they are handling my account. 
The most recent payment of {$250.00} was submitted to the company, but the documentations of the payment is contradictory of it's related documents. 
As of this day I am placed in a position to lose my vehicle to because of TitleMax 's predator lending behavior and to now include retaliation against me by this current action due my previous complaint filed with CFPB against them.