davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

Below is the email I sent to XXXX my name and I am writing this email for the bad experience I had with a dealer and corporate customer service. I had issues with me vehicle XXXX XXXX XXXX XXXX and it was towed to the dealer XXXX XXXX when I spoke to them about the vehicle and getting a loaner I was advised I am not allowed to have a loaner since it was first time at this dealer. I was out of town when the vehicle had giving me issues. I spoke to the dealer the next day and was advised it was my transmission. I never had any issues before with my vehicle or indications. I spoke to XXXX the service advisor the next day about the issue he had an attitude for me asking questions as to what happened to the vehicle. I believe there other under lying issues as to why I was treated this way. I called corporate customer service the first rep was very nice in handling the situation and taking down my concerns and I received a call back from XXXX he advised nothing he can do, he showed no concern. I explained issues of the dealer he explained they are privately owned and I have to discuss with the general manager at the dealer. If your dealers are treating customers in this fashion I think it would be more of concern since they are the face of the company. My family has had several vehicles with the company, and was in the market for a new XXXX or XXXX  vehicle. My brother has been a XXXX supporter. I had advised friends to purchase vehicles and they have. So this experience here has left a very feeling of the company and the brand. I know my vehicle was not having transmission issues and for it to just fail is shocking. I expected more but received left. I believe there is some unfair and deceptive practices going on. I am considering a CFPB complaint I believe I am being mis treated compared to other customers. My contact information is email This began XX/XX/18 through XX/XX/18 Thanks I know the company could have assisted me with issue in reference to the vehicle. I have worked for the company and seen the company pick and choose who they decide to help when they want to. It is not fair standard across the board they have policies but they still pick and choose who they decide and not to help. This is a on going issue with the company.
Consumer complaint received 2022-12-16
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. (PA)

I suspect fraudulent inquiries on my credit report. I did a thorough investigation on my credit and I did not authorize these inquiries. 

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 2022-01-26
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: Experian Information Solutions Inc. (AL)

I have been disputing the accuracy of a repossession that appears on my credit report. It's from XXXX, but the repossession happened while I was incarcerated and had my identity stolen. The address listed on the repossession paperwork the company sent me has an address on it that I have never lived at. 
Furthermore the date has been re-aged. I have had no activity to this account since XXXX. 
Yet they are showing Date Last Active : XX/XX/XXXX XX/XX/XXXX on various reporting agencies. Neither date is correct. 
I also asked for a the following information and never received them : Original purchase price. 
Date and amount of all payments made. 
Date of repossession. 
Value of car at date of repossession. 
Amount the Car was auctioned off at. 

If this isn't removed from account due the fraud enacted with the re-aging of this accounts activity. I have proof that I was unable to to act on the account long before listed. If this matter and the requested paperwork is not provided, I will be retaining legal counsel, as I have already brought this matter to their attention, and are interested in this case.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2021 I was alerted by XXXX XXXX that an account was started with TD bank. I did not open this account. I was advised by life lock to contact TD bank fraud unit. I contacted TD bank and they put an alert on the profile. I received a call from a fraud investigator that advised the accounts created were closed.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (WA)

Applied for prepaid card. They took XXXX dollars, never sent the card. I became homeless with service animals during this time and they still kept my money for two weeks. I never ultimately got a card. They never explained why.
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been disputing the accuracy of a repossession that appears on my credit report. It's from XXXX, but the repossession happened while I was incarcerated and had my identity stolen. The address listed on the repossession paperwork the company sent me has an address on it that I have never lived at. 
Furthermore the date has been re-aged. I have had no activity to this account since XXXX. 
Yet they are showing Date Last Active : XX/XX/XXXX XX/XX/XXXX on various reporting agencies. Neither date is correct. 
I also asked for a the following information and never received them : Original purchase price. 
Date and amount of all payments made. 
Date of repossession. 
Value of car at date of repossession.

Amount the Car was auctioned off at.

If this isn't removed from account due the fraud enacted with the re-aging of this accounts activity. I have proof that I was unable to to act on the account long before listed. If this matter and the requested paperwork is not provided, I will be retaining legal counsel, as I have already brought this matter to their attention, and are interested in this case.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

XXXX XXXX XXXX : XXXX Old Address : XXXX XXXX XXXX XXXX FL XXXX To whom this may concern, I would like to apologize for the debt that was accrued toward your business ( XXXX XXXX XXXX. Unfortunately, it was a crazy time in XXXX I had just split from the mother of my child and we weren't living together. 

I simply never received the debt notice that was sent to the home. Again I apologize for the debt not being repaid in time because my being unaware there was still an amount owed. 

Covid brought a lot of unnecessary hardship that I am still managing currently. If there is anything at all that may be done about clearing this paid debt it would be greatly appreciated. At this moment I'm in the process of finding a home and this negative mark on my credit is adversely affecting my ability to do so. Please help however possible. 

Thank you for your time and understanding, XXXX XXXX
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

In XX/XX/21 I disputed this account ( XXXXXXXX XXXX ) that it showing inaccurate payment history for ( XXXX mos ) showing 120 days consecutively late. How can this be accurate? " Correct Rating XXXX '' are suppose to show XXXX, etc. I have repeatably requested that this account be validated and to this day you have not corrected this information. FCRA states that information must be verifiable and 100 % accurate! I Demand that you update this account to show " PAID AS AGREED '' or I will litigate this due to the stress that you have cause me.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (TX)

Global Lending Services placed a fraudulent inquiry on my account on XX/XX/2020. I contacted via mail with a written letter to ask them to remove the fraudulent inquiry. Their first response on XX/XX/2020 stated they pulled my report based of a credit application submitted by XXXX XXXX XXXX, in which I did not give consent for them to run my consumer report. On XXXX XXXX they sent another letter stating they would remove the fraudulent inquiry. They are in violation of several FDCPA Laws which govern them and protect me the consumer against their piracy and predatory actions. They had no right or consent to use my consumer report. I also sent these documents and affidavit to their Registered Agent. The affidavit I sent was actually notarized, I can not make a copy of a notary signature so this copy in this complaint will not have the notary page filled out.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

In XXXX of XXXX I reached out to XXXX for warranty support on my hot tub. After troubleshooting, they determined it would need to be repaired, but they could not send a person to fix it because of the pandemic. They said they would send a replacement, an proceeded with the order and transferring my extended warranty. After the original delivery date passed, I checked online and noticed it was postponed. This happened every three months and I called in XXXX to find out what their plan was if it wasnt going to be replaced. They said I would be notified it there was any change to the next shipment date. When it passed, I logged in to contact them again to see what their plan was and noticed the shipment was cancelled. This was XX/XX/XXXX. I immediately called them and they stated that a refund was issued to Comenity bank on the card I used, and that another refund was in process. {$3400.00} on XX/XX/XXXX, the stated, was refunded to my card. {$140.00} was processing to be refunded. They transferred me to Comenity bank to find out the status. They said they did not receive a refund, but it would be processed by XX/XX/XXXX because it takes 30 days. The representative assured me this would happen. On XX/XX/XXXX, XXXX reached out and said they were working on resolving this. I repeatedly asked for a transaction number or something that proved a refund was given, and they would not provide it. I kept getting told that was the finance department, but was not able to talk to them or email them. It is now XX/XX/XXXX and the refund is still not showing, I have not received the overage, because my account is {$2000.00}. This would mean I should receive {$1500.00} after the card is paid off. They refuse to assist or contact each other to find this refund and provide my money back.
Consumer complaint received 2018-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (CA)

On XX/XX/XXXX, my mortgage servicer, Selene Finance, placed a notice of default on my property while i was one month late on my payment ( due for XXXX ). When i called the company, they said because my current payment ( XXXX ) " technically '' is due on the first of XXXX and i had not paid that payment either, therefore, I qualified for the Notice of Default on my property. 

This is ridiculous and contrary to how they and other banks in California have handled delinquencies. Not only is this hurting my chances of refinancing my second trust deed, again after the Great Recession that i seem to be unable to recover from and now this.
Consumer complaint received 2022-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (SC)

XXXX certified debt verification letter sent to Quality Asset Recovery. 

As of XXXX, I have not heard from them regarding the debt verification but they are still attempting to collect on the debt. Even listed it as two separate debts on XXXX.
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo and its co-branding agent, XXXX XXXX, represent to their prospective customers that the in-home window sale purchases being solicited are for a " loan '' ( closed end ) to be provided by Wells Fargo bank. However, it turns out that the " loan '' is a credit card product with the windows purchase-price already placed on this open-ended credit card account. This account is fraudulently reported as an open-ended, revolving credit card account on our credit histories, which harms out credit scores.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

XX/XX/XXXX I went to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for assistance with my mortgage and loan modification application. With the help of a housing counselor we submitted the complete application and called every 3 weeks for a status, each time i was asked to provide additional documentation ( check stubs, 1099 letter of explanation etc ). I provided all information requested on XX/XX/XXXX, I called the lender for a status and call was lost after more than an hour hold. I called back on XX/XX/XXXX with Housing Counselor on conference, and after an hour hold call was dropped. We conference call back and after 1 hours same thing, call dropped. 
We called for the third time and spoke with someone who states the application was denied as they were waiting for profit and loss. The profit and loss was previously submitted on XX/XX/XXXX. I called the end of XXXX before the holiday and was told to call in a week or tow. Then the customer representative states it was denied as the profit and loss statement was not signed. I advised it was signed on line 1. she placed the call on hold and hung up. I am submitting another application, however, i can concerned that i will have the same issues and i am not getting help and timely information to comply. This prior application was decisioned before I was able to comply. I am still waiting for the letter of denial sent XX/XX/XXXX per the lender. I have attached
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

Recently obtained a new cell phone number for my daughter, a minor. Midland Credit keeps calling my daughter for a debt that we do not owe. Despite blocking Midland and despite informing the company that we do not owe the debt it is repeatedly calling about, Midland 's phone calls to my CHILD continue unabated. We recently got the new phone number and the debt was likely owed by a person who had the number before us. Yet, instead of pursuing the right person, Midland is pursuing a child!
Consumer complaint received 2019-05-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (CA)

I am ( Customer ) with Citibank Gold and Citibank priority for more than 20 years. 

XX/XX/2019 : Over phone opened 2 CDs both for 1-year terms, in the amounts of {$25000.00} and {$25000.00} respectively and funded through existing Citibank checking account. 

XX/XX/2019 : Money debited from checking account to 2 different CDs. 


XX/XX/2019 : Citi sends me a document to sign my signature and SSN. 
Customer signs and sends doc back to Citibank XX/XX/2019 : Citi receives customer signature doc and processes 1 CD successfully. Balance on CD = {$25000.00} ; No issues with this CD. 
2nd CD processed incorrectly. credited {$25000.00} and debited {$25000.00} to CD. Balance on CD = {$0.00} ; This is wrong. 
Customer visits local branch in California. Branch ( XXXX, XXXX ) advise customer to call XXXX New Accounts servicing. 

XX/XX/2019 Called XXXX ( XXXX ) who advises money of {$25000.00} to be available in the 2nd CD in 3-5 business days. Apologizes but asks to call back on XX/XX/XXXX. 

XX/XX/2019 Called XXXX ( XXXX ) who advises no knowledge of the 2nd CD. Customer escalates, holds line for 1 hr, talks to supervisor XXXX ( in XXXX, KY ) who sends e-mail to new accounts -back office team, apologizes, ensures interest for all the citibank process failure will be credited after the " principal amount dispute is first fixed '' and asks customer to wait until XX/XX/XXXX. Promises to call customer on XX/XX/XXXX. 

XX/XX/2019 Called XXXX ( XXXX ) who advises 2nd CD is closed and upon customer insistence for 1 hr repeatedly asks customer to call New Accounts - Servicing only, shows so much indifference as this is a new account ( for an old customer ) reluctantly opens up investigation request XXXX. Informs customer that CD is closed and the funds of {$25000.00} + interest of {$65.00} will be transferred to customer checking account after investigation. 
Customer visits local branch again ; XXXX acknowledges problem, assures everything will be fixed eventually. 

XX/XX/2019 Customer called XXXX ( Supervisor XXXX in TX ) who is told about the same problem for 1 hr. She denies notes or updates from previous folks talked to. But acknowledges that there is the investigation request from XX/XX/XXXX and the e-mail from XXXX on XX/XX/XXXX. 

Here 's what I need : 1 ) Customer needs CD amount XX/XX/2019 for principal {$25000.00} and outstanding interest {$65.00} so far till XX/XX/XXXX =  {$25000.00} transferred back to his checking account. 

2 ) Customer needs Citibank to be fined ( or customer to be credited a decent sum ) for the hassle of talking to 10 different folks over a month for a simple CD.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NJ)

On XX/XX/2022 my account was revised and decreased to XXXX after I made a XXXX payment on my balance XX/XX/2022. I also never had a late payment. Also the decrease makes my utilization very high.
Consumer complaint received 2022-10-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 2022
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I purchased my home in XX/XX/XXXX and since that time have done about {$150000.00} in upgrades. After these upgrades were completed I contacted my mortgage company Mr. Cooper to ask them about having my home reappraised so I could have the {$120.00} a month PMI removed from the mortgage. At that time XXXX of XXXX, I was advised that I would need to speak to someone at the company to get that information. When I received a call from the Mr. Cooper rep all they tried to do was sell me on a refinance and cash out option and said that they would send me the contact information for the appraisal company that I am required to use. As per the company rep I am not allowed to use any other appraisal company and if I do the results will not be valid. I requested the contact information to call appraisal company and set up inspection, i did think this was a little weird as i work in the insurance industry and we have to give out at least three options for clients to get work completed, I didn't think the mortgage company requiring us to only use their appraisal company was legal, but requested the information, rep said he would email it, i never received the phone number so on XX/XX/XXXX I contacted the company again and asked for the contact number for the appraisal company they required i use, at that time they told me again a rep would need to talk to me and again an agent called me to refinance but did not provide the requested information. Then on XX/XX/XXXX and XX/XX/XXXX i reached out again to the company to request the information directly through my online portal with the company, supposed to be a direct email to the company, and they have still failed to give me the contact number for the appraisal company and i am now still paying for PMI when i no longer need it but can't get it removed as they wont provide me with the company contact information for the company they are telling me i have to use