davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I contacted XXXX 'XXXX Private collections department, XXXX XXXX, to settle in full a private loan. After making a one time payment on the account I was told by the representative that it was settled with a XXXX   balance and that he would immediately report it to the proper division and have the account removed from my credit report. After the transaction was finished he did nothing from XX/XX/2018 until I finally realized I was being charged monthly by XXXX. I called XXXX and realized that nothing had been down for over a month and a half. He only reported the transaction as a payment. No one was notified that it was settled and was due to be removed from my credit report. He says he is now resolving the problem, but I don't trust that he will work to get it removed from my credit history. Now I have to wait an additional 30 days just to have a dispute resolution done by XXXX. My credit will reflect my payment for 3 to 5 months according to an XXXX agent. During the same time period I settled my remaining 4 collections accounts which are currently all reflected with one exception. XXXX XXXX XXXX XXXX did the same thing with one exception. XXXX XXXX XXXX XXXX sold my information to to companies who were texting me and claiming to be the IRS and that I was getting charged with a crime.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Capital One closed several of my credit cards due to a return payment on just XXXX of my Capital One credit card, but they closed XXXX instead. I called Capital One and explained to them that XXXX  XXXX XXXX had problems with XXXX and my payments got returned. Capital One is XXXX of the owners of XXXX and could have easily checked my claim and kept my accounts open, but they chose to close my accounts after 20 years on onetime payments. I then filed a complaint with CFPB and got a generic response which is a unsatisfactory result. They did no investigation, nor did they try to contact XXXX  XXXX XXXX or XXXX to confirm my claim.
Consumer complaint received 2019-03-28
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. (TX)

This account is showing open paid Collection amount XXXX No account details Account showing opened XX/XX/2018 and should be removed altogether because this is false Amount due XXXX Previous balance XXXX Account should not be reporting because it is inaccurate reporting as the account was PAID DIRECTLY to XXXX XXXX
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX IS LISTED ON MY REPORT TWICE- ONCE ASA JUDGEMENT AND ONCE AS A CHARGE OFF- WHICH IS XXXX NEGATIVES FOR XXXX THING THAT HAS BEEN PAID OFF. I NOTIFIED TRANSUNION OF THISTO BE TOLD THE CHARGE OFF WAS REMOVED AND YET AS OF XXXX/XXXX/15 IT IS STILL SHOWING ON MY REPORT.
Consumer complaint received 2015-12-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (SD)

I had gotten behind on payments my daughter was XXXX injured at XXXX school dance and and requiring XXXX I had to take XXXX with no pay. She eas injued XX/XX/XXXX and her XXXX was XX/XX/XXXX. Ally financial contacted me I spospoke to XXXX at extension XXXX I told when I could pay and said that XX/XX/XXXX was to late since subject to repossession. He asked me how fast does my bank process the check advised next business day after speaking with him I agreed to set up a check on XX/XX/XXXX knowing the bank wo t process till the next Monday due to the holiday. I agreed to bounce a check hoping that it would n't get to my bank again till XX/XX/XXXX. I would not be able to go back to work till XXXX/XXXX/XXXX unless my daughter recovers faster than expected. He advised me to cb @ XX/XX/XXXX to set up the check for XX/XX/XXXX and gave me the direct number for him. Today on XXXX I received a call from ally. She stated my amount and advised that my auto can be repossessed if I do not setup the total amount due today. I advised who I spoke to and when advised I was told to call back on XXXX to set up PMT said that 's not an arrangement. She threatened me with repossession but could not give me the date it would be repossessed. She was rude and threatening. I got scared and hung up the phone. Since my daughter has XXXX and XXXX I actually considered loading this girl in the back seat and moving her to a safe location. She has to have her XXXX removed on XXXX/XXXX/XXXX and ca n't walk to the XXXX. I reconsidered and called back to ally and it was s fight to the finish to get just my account number in which I finally asked for a supervisor in which I was denied by XXXX but she finally have me the account number so I can lodge this complaint. I truly believe that since I have 5 payment left that they want the truck back and would threaten with repossession if you were 16 days late. It 's been a horrific experience.
Consumer complaint received 2022-07-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TD BANK US HOLDING COMPANY (MS)

The company is TD finance. After declaring bankruptcy in XXXX I did not include the vehicle a XXXX XXXX XXXX I immediately tried contacting the company to get my payment reduced. My physician suggested with my health issues I go to a independent living facility. Very expensive but need my vehicle for dr appointments etc Im a XXXX and totally on my own. My husband left no life insurance or assets. When calling the TD Finance co number I used to make monthly payments they have me blocked. I have written letters asking for help, I emailed, I tried calling from other phones but Im immediately blocked. Im sending money orders each month to the address I have always used but again no response. Twice my gas tank has had a substance poured into it and cost me XXXX deductible for tank to be flushed its almost un drivable due to so much sugar being in the motor. I feel I was sabbatoged by TD. Im located at an assisted living In XXXX XXXX Why was only my car singled out. They wont assist me in a fair settlement on monthly payments by ignoring me and blocking my calls. I would appreciate any help the dealership wont help me either. The address I use to send payments to is as follows. Any help is appreciated. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX c XXXX
Consumer complaint received 2018-09-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (CO)

On XX/XX/2018 a refund request along with XXXX dollar fee for each money order totaling XXXX dollars was sent certified mail to Western Union. We still have not received the refund. I have filed a complaint with western union as they are hard to understand and give us different information every time. I along with my boyfriend have called 20-30 times. I was assured for the third time these refunds would be here but the last time I spoke with them XX/XX/2018 they had an address that is not ours at all. Now we have to wait 10-15 more business days on top of the three months we have already waited. The customer service is the worst I have ever seen and if you ask to speak with a supervisor, they never answer. I need this resolved immediately! Thank you.
Consumer complaint received 2018-10-19
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. (NC)

XXXX XXXX is reporting that I have a collection balance with them for {$90.00} left over on an account that was closed back in XX/XX/2012. I don't remember having this account, but nonetheless I wanted it off of my credit report. So today, I called XXXX XXXX to pay it. I gave them the account number they were reporting, my name, address, ss #, etc ; and they told me that they had no record of the account. So since they do not give me an avenue to resolve this debt, I want them to take it off my credit report.
Consumer complaint received 2018-09-11
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. (OH)

I have tried to fix my credit due to fraud and keep having issues with someone trying to use my identity to apply for credit cards. 

I have new inquiries that were not made by me. 

XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. 

XXXX - XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. 

EXPERIAN- XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-12-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CFW Holdings LLC (TX)

This company continues to call my place of employment after I told them my manager has requested no more phone calls be made to this number. They are also calling and not even saying the name of who they need to speak to. Some times it is a blank pause and then a hang up. There is aggressive language and behavior when calling, and I have never experienced a loan company like this. I have asked this company numerous time to stop calling and I will deal with business over the number I provided them. We are settling the debt as we speak and they are still calling. I do not want them calling my job any more.
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

THIS BANK is a RIP OFF! on XXXX XXXX I opened an Acct. w/WELL FARGO with a BONUS of {$250.00} after 60 days or 2mos, spending {$10.00} per mo. I spoke to Mr. XXXX XXXX the BANKs AGENT and he said give it a bit of TIME, I waited 30 days went BACK to Mr.XXXX, and he said wait a bit LONGER, 30 days later I went BACK to mr. XXXX he CALLED??? the MAIN OFFICE and told ME they, the MAIN OFFICE WOULD be in TOUCH, I recieved a letter STATING theyere aware of the MATTER and WOULD ADVISE, 30 days later I WENT BACK to Mr.XXXX  HE AGAIN CALLED the MAIN OFFICE they ASSURED HIM that THEY WERE on IT, I KEPT WRITING and CALLING and THEY WELLs FARGO kept STRINGING ME ALONG for SIX or SEVEN MONTHS, that is WHEN I DECIDED to START a CIVIl CASE AGAINST WELLs FARGO BANK, I HAVE ALL THE PAPERS, PRIMARILY A VALID CONTRACT FOR THE BONUS DEAL, they OWE ME TODAY {$1000.00} ACCUMILATED COSTS TOTAL as of TODAY, TOMORROW is ANOTHER COST!!!
Consumer complaint received 2018-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2018 I went into the Bank of America Branch at XXXX XXXX XXXX XXXX at approximately XXXX XXXX. I was able to make my credit card payment, but they declined to assist me in sending a wire transfer. I spoke to the Assistant Manager who assisted me on making the credit card payment, then asked to speak to the Manager to get this completed. His complete reasoning was more or less lack of scheduling management on his end. There were multiple employees sitting in the lobby and 2 employees assisting myself. I surely wanted to complain about the Manager XXXX XXXX for declining to assist me with money that I was going to send to my real estate agent so I can purchase a property in TN. Hopefully this does not cause me to default on my loan contract with my mortgage lender. At this point, I will have to consult legal counsel and weigh my options with them. For you to review this, the transaction ID for my Credit Card payment was XXXX XXXX - XXXX  XXXX XXXX  ** XXXX. Payment was for {$100.00}, transaction time was XXXX XXXX PST.
Consumer complaint received 2018-09-11
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. (OH)

I have tried to fix my credit due to fraud and keep having issues with someone trying to use my identity to apply for credit cards. 

I have new inquiries that were not made by me. 

Transunion- XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. 

XXXX  - XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-18
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. (CA)

All 3 bureaus have been reporting an account with inaccuracies for a while and I have disputed it with all 3 at least twice before and they refuse to comply to the FCRA. 
1. This account states it has been settled. Under the FCRA 15USC 1681 602A I have the right to privacy and under 15USC 1681 604A Sec2 You are not allowed to furnish an account without my written consent and instruction. 
XXXX XX/XX/XXXXAccount Number : XXXX Delete this account, you have not been given consent or instructions of how to correctly report this account. It is inaccurate such as the dates of activity reporting differently between you and the other bureaus. This account has multiple FCRA violations, delete it! 
I gave them no permission or instructions for this account which is inaccurate down to the different activity dates, dates of last payment, date of account starting etc.
Consumer complaint received 2023-03-16
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. (MI)

I am the consumer filing this report please do not close without completion. Here are a list of violations on my credit report : USC 1681 SEC 602 ( A ) states that you have no permissible purpose by law to contact third parties with my personal information. " I have a right to privacy ''! You offenses amount to aggravated identity theft pursuant to 18 USC 1028 ( A ). You have knowingly transferred, possessed, or used w/o lawful auth, a means identification of me, which is a felony punishable up to two years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692G. They were to notify me of this in writing five days prior to and I was not. As the original creditor only I can validate the debt and i did not validate this debt. Therefore the following accounts must be deleted from my report. Failure to respond with deletion will result in {$1000.00} per violation for ; Defamation of character, fdcpa, 15 USC1692G, 15 USC 1681N, and negligent enablement of identity fraud.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Please help. I am getting sick of this issue, and I have been living in severe anxiety since this issue started. I am going through medical care because of what is happening to me from Freedom Mortgage Company.

I was in a three-month trial period with the company after going through a forbearance period due to Covid. I fulfilled my part and paid the three months trial period on time. I was promised by Freedom Mortgage that I would receive final documents that follow the trial period, and I needed to sign them and notarize them. I asked for the documents for almost six months, calling them every ten days, and every time they promised they would send the documents and never get them. Finally, after I complained about them through the Consumer Financial Protection Bureau, I received the documents. 
I signed them, notarized them, and sent them back to Freedom Mortgage. I called them after, and they informed me that they had received the documents and that everything was fine. They have also told me they will set up the direct payment from my bank to receive the payment monthly. They haven't done that, and I called them for the past two months to ask about setting up the direct payment, and every time they come up with an excuse. One excuse they need to look at the notarized documents, and it will take them 45 days to do that. Another excuse is that they haven't received the documents and will send another. 
They have also reported my account as a delinquent to the Credit Bureau, and my scores went severely down because of this company. Please, I need your help.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have not received anything from Equifax about this bankruptcy dispute. I have a previous complaint through CFPB that Equifax has yet to send any results of investigation. It's over 30 days and nothing. Absolutely nothing! It's now been over 30 days and not response. I sent over the proof that their data furnisher XXXX found the bankruptcy to be unverifiable so why have they not reinvestigated and deleted this erroneous account. This is a constant issue with Equifax. They do not bother responding and Equifax is in violation! 

Account : XXXX XXXX Reference # : XXXX
Consumer complaint received 2016-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Viking Client Services (CO)

I rented a car when visiting my mother in XXXX, Texas, several months ago. I returned the car to the airport when I flew home. First, I received letters stating I needed to return the car. I contacted XXXX and stated that I had returned the car. I had to fill out paperwork while at the airport because my mother 's neighbor backed into the car, and I listed her name and insurance information as the responsible party. The neighbor 's insurance agent had called me, accepting responsibility and giving me all the pertinent information to turn in to the car rental company. Then, I get a bill for {$800.00} for the damages. I sent another letter explaining everything again, with all the insurance information I had already given them for the damages. 
Now I get another letter dated XX/XX/2016, demanding payment and warning of collection efforts. Here is a copy of the letter I sent them : Viking Billing Service XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX : This letter is in reference to your letter requesting payment for a claim, number XXXX. I have no idea what is going on with XXXX. First I keep getting letters to return the car ; now I get a letter requesting payment for a claim. All the information was on the paperwork when I returned the car. 

When I returned the car, I stated on the paperwork that the neighbor backed into the car and she gave me her insurance information. I spoke with the insurance company, and the company accepted responsibility. Obviously, XXXX not only had lost the car ; the paperwork also vanished. 

Here is the information again. The insurance company is XXXX ; claim number is XXXX. The insurance agent 's ( XXXX ) number is XXXX x XXXX. 

I have been in XXXX and just now opened your letter requesting payment. I have never had such an experience with a car rental agency, especially with one as well known as XXXX. 

Sincerely, Please advise how I can stop this harassment.
Consumer complaint received 2018-09-11
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: Experian Information Solutions Inc. (NY)

Today XX/XX/2018 I tried submitting a dispute online with XXXX. I answered all the security questions and put in the information they were asking for after all that an error message came up that I am unable to submit a dispute. I am submitting this complaint because there are a few accounts on my equifax credit report that do not have the correct balances. My XXXX XXXX  card is reporting more of a balance owed than what I actually do owe. Also my XXXX  XXXX accounts my balances have decreased by {$300.00} they are reporting with higher balances. I attempted to correct this but unable to get online to do so.
Consumer complaint received 2022-03-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (IN)

Toyota/ Toyota financial services/ Lexus fraudulently reported and sold a debt of a closed and fully paid off account resulting in undue stress and hardship. Lease was paid in full XX/XX/2020. Toyota showed unprofessional and unethical behavior by trying to charge me for fraudulent and untrue claims of poor vehicle condition upon lease return. They requested payment for " internal melted headlights '' and micro scratches. Of note Toyota held and paid a service contract on this vehicle because it was a XXXX vehicle and had strict service requirements. Despite being serviced by Toyota several times the headlights were never found to be a problem and were in perfect working order. Also of note the vehicle was returned in excellent mechanical and cosmetic order. I contested any and all claims for poor condition. Toyota did wave the requested fee for the headlights and stated theose were due to design flaw on the vehicle but refused to waive the fee for the " micro scratches ''. Of note lease law and contracts does allow expected wear and tear on a leased vehicle, it does not allow abuse to the vehicle or damage as the result of abuse. How a car can be driven for years and not have a micro scratch is not possible and also hints to likely very large and ongoing consumer scam by Toyota to defraud the consumer out of funds at the end of a lease. Toyota illegally and fraudulently reported and sold a paid off debt to XXXX XXXX XXXX XXXX XXXX. resulting in undue stress and hardship on me. I am sure Toyota has done this to others and it needs to stop.