davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
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 (CA)

I had a XXXX XXXX XXXX plugin leasing car which I returned to XXXX XXXX XXXX on XX/XX/2018 and at the same time I purchased a new XXXX XXXX XXXXXXXX XXXX  there which was the best option offered to me that day. 

I really enjoyed my leasing car and kept it very well, replaced with new tires before returning it to toyota. The only damage was the windshield crack caused by a flying stone while driving on the freeway. When that happened, I first checked with my car insurance company and was told that it would be fully covered if I want to fix it. Since it was a leasing car, the insurance company suggested me to contact Toyota. When I called Toyota, I was told that I don't need to worry about that at all because it is not personal damage. Then I didnot bother to let the insurance company fix it. 

On XX/XX/2018, when we shopped around for a new car at XXXX XXXX XXXX, the persons there again confirmed me that should not be an issue at all and they even told us, if we didnot tell them, they even could not notice that. Happily we returned the leasing car there and got home with a new XXXX XXXX XXXX XXXX. 

To our surprise, more than two months after we returned the leasing car at Toyota dealer, we finally received the leasing end statement from Toyota Financial Services ( XXXX XXXX, XXXX XXXX, IL XXXX ) with a {$1000.00} plus tax {$81.00} for excessive wear and use ( just the windshield replacement ) in addition to the {$350.00} plus tax for the disposition fee. Moreover, they put due date of XX/XX/XXXX, only 13 days after we received the final statement, which is really unfair. 

Toyota kept informing us before our return and at the time of our return that we don't need to worry about and which is not a personal damage at all. Otherwise we could easily get it fixed by our insurance company for free before the lease car was due for return. 

According to XXXX XXXX that a windshield replacement typically costs between {$100.00} and {$400.00}, including labor with the average cost ranging between $ XXXX {$230.00}. The estimates from my local body shops are all about $ 200- {$250.00}. It is ridiculous that a car maker needs to charge total {$1100.00} for a windshield replacement. 
It is hard to believe they scam their customers this way, especially we immediately purchased a new XXXX XXXX at the time of returning the leased car. We really hope you can do further investigation and assist us in resolving the issue.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Upon reviewing my experian credit report I found a name not known to me nor have I ever use this name being ( XXXX XXXX ) with name ID # XXXX. XXXX is my married name which is a very large family with XXXX and XXXX in serveral states. However, I don't know this name and it is not mine.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (FL)

Hello Im complaining because when I first tried to get my credit score together I was XXXX XXXX XXXX, while being XXXX I have tried to make payments and inquires on my own but some of my inquiries doesnt involves me. I tried getting them removed but it says it takes 2 years or max 6 years to complete withdraw them. Some of my credit history I dont approve of is - XXXX XXXX XXXX ( XX/XX/2022 ) - XXXX XXXX XXXXXXXX  ( XX/XX/2022 ) - XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) as you can see their all 1 month apart please help get this off my credit I can not do anything with my life because I have a horrible background & Im only XXXX.
Consumer complaint received 2019-04-16
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. (CO)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8, 9, and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I received a copy of my credit report and I noticed this account XXXX has inaccurate information, the opened date and credit limit are wrong. Since this account is being reported inaccurate, please remove it from my credit report.
Consumer complaint received 2019-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IN)

After I set up my bank account it was mostly dormant but I still kept getting paychecks and doing the 10 debit card purchases a month. I hit a point after switching jobs in XXXX of XXXX where I didn't have enough money to put gas in my car, so I made a call to see if I had overdraft fees turned on, remembering that i purposely had them turned off but still wanted to double check. When i called they confirmed that i couldnt overdraft and that i could turn it on but it would take a few business days to become active on my account. I opted out of it, though. Fast forward to the next year and I'm without a job but getting a little bit of help from family to keep up on bills ( only when I need it ). Knowing that I wouldn't have overdraft fees I was going to pay my bills when the funds were available even though they were set to automatically withdraw from my account. I now have 6 overdraft fees in the last 2 months adding up to {$210.00} ( {$35.00} each ) ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Not only was i charged with the overdraft fees but i was charged for something that i couldnt afford without assistance.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$1300.00}
Consumer complaint received 2022-11-30
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is the second time I have had to deal with this issue. I have a Visa Card issued by Bank of America ( BankAmericard ). On XX/XX/XXXX, I purchased an Airline ticket from XXXX XXXX. I used the US site and the ticket was purchased in $ US for {$850.00}. On the same date, there was an unauthorized " foreign transaction fee '' charged to my account of {$25.00} ( roughly 3 % ) even though there was no disclosure and the entire transaction was done in $ US. I am familiar that when you charge foreign currency that they apply a fee and I don't have a problem with that. When I alerted BofA on XX/XX/XXXX they immediately credited the fee back to me. More recently, on XX/XX/XXXX I again charged an airline ticket with XXXX to the same card. Once again the transaction was done in the US and on the US website, yet again I was charged an unauthorized " foreign transaction fee '' of {$21.00}. I called Customer Service and was given an uncompromising stance that " that's the way it is ''. I asked for a supervisor who, because of my long history with BofA, removed the charge. I believe this is a hidden fee grab by BofA that is neither legitimate nor disclosed when the transaction was performed. To be clear, I have no issue when the charge is in foreign currency, just when it is a straight dollar charge.
Consumer complaint received 2023-06-25
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. (OH)

Credit reporting company is refusing to remove fraudulent accounts from my report, and are still furnishing them without my consent which constitutes identity theft which is being committed by the furnisher and credit reporting agency. Experian is in direct violation of federal laws and should be criminally charged for their violations. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2019-04-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MS)

Refinanced my house with XXXX XXXX XXXX XXXX and I am having a difficult time receiving my overpaid escrow money from the previous mortgage company, Roundpoint Mortgage Servicing Corporation. 
Timeline : XX/XX/19 Loan paid off by XXXX XXXX XXXX XXXX ( Per Roundpoint Online records ) XX/XX/19 Escrow Disbursed to Mortgagor ( ( Per Roundpoint Online records ) XX/XX/19 Check mailed to me - Per conversation with Roundpoint Rep XX/XX/19 Have not received the {$1500.00} from my escrow account. 

I have had this mortgage with Roundpoint for 4 years and have made every payment on time every month. I am concern that Roundpoint is attempting to retain my fund as long as humanly possible. I understand they have no incentive to pay my money expeditiously and as quoted by several of the representatives that, by law we at Round Point have 20 days to refund your escrow account. It is well pass those 20 days after the loan was paid off. I have called Roundpoint several times, but receive the same patent answers, the check is in the mail. 

The minor interest Roundpoint is receiving from retaining my funds may be small, but I am concern that f this same activity could be happening to a large number or all of the Roundpoint customers. And finally should Roundpoint pay me interest beginning on the 21 day along with my Escrow refund?
Consumer complaint received 2019-04-16
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: EQUIFAX, INC. (CO)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8, 9, and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (RI)

There has been an ongoing dispute with HSBC over the HSBC master card. The balance was entirely or nearly paid off about one year ago ( XXXX or XX/XX/2018 ) and subsequently about {$1800.00} in payments were made toward charges on the account between then and XX/XX/2018. During this time, HSBC supposedly closed the account due to suspicious activity but no charges were ever reversed -- instead there are charges and interest and late fees and over limit fees and interest on those and somehow an account that had more than {$7500.00} in payments in the past year has an outstanding balance of more than {$9000.00}? 

Each time I have asked for help with this I get the " we are working on it '' followed up by no response.
Consumer complaint received 2023-08-18
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)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 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 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
Consumer complaint received 2019-04-16
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. (GA)

I disputed the accuracy and information on my credit report for bankruptcy. Both XXXX and Experian told me that this information was verified with the courts but the information was untrue. I received a notice from the courts that they do not report to any credit reporting agency. I have attached the notice from the courts. Also, the name on the document from the court is not my name. I want both of these credit agencies to remove this from my credit file.
Consumer complaint received 2023-06-24
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Omni Financial Corp. (FL)

Since I lost my job because of Covid months ago, Southeast Toyota had deliberately ignored my plea for help for keeping a XXXX XXXX XXXX and put me in further debt. There were no options for help and they would not take smaller payments which I did put towards the car. I am on XXXX XXXX XXXX and it is against the law to collect debt otherwise from individuals incapable of working and to try to collect debt from this income. I have repeatedly told them that and they have harassed and numerously called me as if I could use that little amount to pay the debt. They already repossessed the car, sold it in auction, and are now saying I owe the difference and am fighting against this. 

I ask this debt and collection to be cleared from my debt and credit immediately as I have not found gainful employment. It is against the law to collect otherwise and the debt should be removed because I was making some sort of payments before they repossessed my car and put me in such a bad situation employment wise as well as have harassment called me numerous times about this collection which I will not be able to pay.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My accounts started to act weird and every time I tried to explain to them that a charge that kept reoccurring wasnt mine and they would fix it for the time being and it would happen again the next month. Ever since then I havent been able to keep up with my payments because it keeps charging me for the reoccurring transaction and then comes a interest fee making it even harder.. Then shortly after all this happened, my card was stolen and my account was hacked. I tried to get on and change the password but every time I tried it kept saying error. On XX/XX/2021 was the first time I noticed my account was being hacked. The person tried to pay the account off and use it for their personal needs. The amount for that transaction on Capital One account : Payment : XX/XX/XXXX, XXXX {$2000.00} Returned Payment : XX/XX/XXXX, XXXX {$2000.00} Payment : XX/XX/XXXX, XXXX {$1800.00} & {$120.00} Returned Payment : XX/XX/XXXX, XXXX {$1800.00} & {$120.00} Payment : XX/XX/XXXX, XXXX {$800.00} Returned Payment : XX/XX/XXXX, XXXX {$800.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$90.00}
Consumer complaint received 2022-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

Equifax Equifax has not updated my XXXX score since XXXX of XXXX. It is still reporting my XXXX score in the XXXX. I am contacting the agency only to get the run around. All my other credit score are in the XXXX. It seems as though this is a part of the erroneous credit scores that were uploaded in late spring ; early summer. 

Thank you, XXXX XXXX
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

In XXXX this account was apparently opened XXXX and sent to collections on XX/XX/XXXX to awa collections out of orange ca. A joint account with XXXX XXXX???? Have no personal knowledge of this account or person. XXXX $ Shows on my credit report. Dont know if this a mistake or identity theft
Consumer complaint received 2019-04-16
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. (MO)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 7, 8, and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-11-30
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. (VA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-21
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. (PA)

I already reached out to the TransUnion for the following unauthorized inquiries listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

1 ) XXXX XXXX XXXX Date of inquiry XX/XX/2021 2 ) XXXX  Date of inquiry XX/XX/2021 3 ) XXXX XXXX Date of inquiry XX/XX/2021 4 ) XXXX XXXX  Date of inquiry XX/XX/2021 5 ) XXXX Date of inquiry XX/XX/2021 6 ) XXXX  Date of inquiry XX/XX/2021 7 ) XXXX XXXX Date of inquiry XX/XX/2021 8 ) XXXX  Date of inquiry XX/XX/2021