davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Account # XXXX with Toyota Financial Services, Account manager XXXX XXXX " fraud department '' My lease was up in XX/XX/XXXX on my Toyota XXXX XXXX and I did not turn in the car because we wanted to keep it and just keep on making payments. I think I missed about 1 to 2 payments BUT when I tried to bring the  account current I was told that the account was closed and referred to the Fraud department. I spoke to XXXX on that department through a Spanish translator BUT was very confused at the end of the process so I contacted my friend XXXX XXXX to call for me and get all the details of what's going on and to see what we could do in order to keep on making the payments so they don't take the car away because I was told that they had tow trucks looking for my car already. My friend XXXX XXXX called and spoke to the account manager XXXX who was extremely rude, she didn't NOT give her any information because she demanded to talk to me. XXXX XXXX is an authorized individual on this account because I was told by the Toyota representative that it was the only way she could get information and help us with clearing this mess up. XXXX also mentioned that she had e-mailed some documents but refused to send them to XXXX XXXX or give her any information that can help us clear this mess up.
Consumer complaint received 2018-01-28
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. (MO)

There were several account s from the same company " XXXX '' on my credit report that do not belong to me. I have already disputed them have already filed a complaint about their so called investigation. Results of the complaint was that the accounts were deleted from my credit report. All have been except one. When I called Equifax about it I was told that I would have to dispute it. Which I already have. I received a letter from Equifax claiming they verified the account. They can not verify an account as mine when it is not mine.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IA)

I received a credit card offer to apply for their credit card, I received this offer thru the mail. 
The card was CITI XXXX. They said if I was approved for this credit card, & then I spend {$3000.00} on credit card charges within the first 3 months of the card, I would receive XXXX XXXX Miles. I did apply for the card & was accepted. I did spend {$3000.00} on this credit card within the 3 month period of time. So, I did check on my XXXX mile account, no XXXX miles was given to me. I contacted customer service, & I did receive a letter stated since I had a previous credit card within the last 24 months -- no XXXX miles awarded. They stated I had a card 18 months ago. 
They send me this credit card invitation, I did not go to them. They then let me put {$3000.00} on the account, no letter or phone call to let me know that I was not eligible for the miles. 
I had to call them & ask what is going on. 
On XXXX/XXXX/2016 I did cancel this credit card. They send me the invitation to join, they never told me I was not eligible for the miles -- what a way to do business!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (VA)

AES/PHEAA has reported to the credit bureaus that I was delinquent on one of my student loans from 60/90/120 days, however, my billing letters note ( that they are able to view in my account ) that my account was in deferment. I have submitted disputes since last year and they have not resolved my issue. 

They asked me to student a credit dispute from and I did. They asked me to submit my credit report and I did. They provided me with the wrong dispute form and just advised me today that, that was the discrepancy because I kept telling them I sent them the form. 

We have been discussing this dispute since XX/XX/XXXX, and today was the most recent correspondence. They have caused emotional and financial stress because of there error. Credit Report notes I was late on loan from XX/XX/XXXX -XX/XX/XXXX ( 60/90/120days ).
Consumer complaint received 2018-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (KY)

Wire transfer completed on XX/XX/XXXX from my local bank for {$12000.00} to Coinbase, INC. Coinbase says wires are posted to your account the SAME DAY day if received by XXXX EST, they received my wire at XXXX EST on XX/XX/XXXX. The wire as of today XX/XX/XXXX the funds have not been credit to my Coinbase account. I have emailed the company multiple times only to receive generic responses that do not resolve my lost wire. 

XX/XX/XXXX - I emailed XXXX to say my wire has not been posted. Coinbase responses on XX/XX/XXXX with a generic mass message saying it could take XXXX days from the when the wire was completed ( already over 20 days received ) and have me a link to case # XXXX which says it was specific to my case status but the link takes me to a their general FAQ page. I responded on XX/XX/XXXX to this email asking them to reverse the wire immediately and attached the wire confirmation information my local bank provides to me. No response as of XX/XX/XXXX. 

XX/XX/XXXX - I emailed XXXX asking where my funds are, they sent back a mass response generic message saying it could take several days and if I the wire was not posted in 2 business days reply with case # XXXX. They also gave me a link to follow up on the case but it goes to the general FAQ page, not my specific case. 

XX/XX/XXXX - I relied to XXXX to say my funds were still not in my account. With no response. 

XX/XX/XXXX - Replied again to XXXX saying the funds have not been posted. No reply from company.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Trans union is reporting inaccurate information .this account is reported " OPENED '' AND IS COLLECTION/ WITH A PAST DUE BALANCE OF XXXX WITH NO PAYMENT HISTORY this in only reporting on XXXX credit agency. Incorrect reporting no other XXXX reporting of other agencies this is a violation! No information INACCURATE ACCOUNT NO ORIGINAL DATES OF WHEN ACCOUNT WAS OPENED/ OR CLOSED THIS IS INACCURATE REPORTING
Consumer complaint received 2022-03-31
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (IN)

In XXXX I inquired at the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I was lead to believe that I would be making potentially 6 figures in 2 years or less if I went to their school. I signed up for both in person and online classes. The school not only maxed out my borrowing for loans but forced me into private loans to buy equipment and supplies that were not included in the tuition. They are a for profit school. I was a single unemployed new mom and they preyed on that. Although I struggled I was on the deans list and keeping my grades up. I received a phone call from the school after {XXXX} in private loans were forced on me to take out to pay additional expenses and the school maxing out student loans I was told, the program was only eligible to receive loans for 2.5 years and I will need to pay cash for my upcoming semester in the amount of {XXXX} +. I have been put into bankruptcy and left potentially homeless with no way of ever being able to dig myself out of the financial burden the XXXX XXXX XXXX XXXX in XXXX Indiana imposed on my life and future. They promised job placement and they lied about graduation and success rates, they misrepresented fees and costs, filled out loan paperwork on my behalf. I attempted several times to get some kind of forgiveness for all of loans and continuously denied by the loan servicer, which was XXXX XXXX and navient. I have been gainfully employed with a government position for 8 years, still because of student loans not able to afford daily costs of living with loan services wanting unaffordable payments a month that excess far beyond what my salary allows me to afford. Student loans are not my only debt or bill. I am a single mother of XXXX XXXX XXXX XXXX and live with my parents. If the XXXX XXXX XXXX XXXX  had not misled and blatantly lied, I would not be in this situation which has inevitably ruined my life and future and potential of giving my daughter a future and stability. After being employed in public service for 8 years my payments for pslf have been recalculated with a pay off year of XXXX. How is that possible when Ive made payments since XXXX and pslf is forgiveness in 10 years and Ive already been employed for 8? 

The private loans still being serviced by navient are apparently unforgivable under any circumstances or misleading by the so called college that demanded {XXXX} cash after lying to me for 2.5 years and. I can not make or afford payments of $ XXXX a month and feed myself and my child, put gas in my car to get to work or pay other bills.
Consumer complaint received 2019-03-06
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. (IL)

XXXX XXXX is reporting non payment to XXXX XXXX  in the amount or {$160.00} since XX/XX/15 and apppears on Credit Report as OPEN for collection. 
At that time XXXX reported to me that no payment was due.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I first filed a dispute with XXXX regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/XXXX that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you
Consumer complaint received 2024-02-20
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. (MS)

XXXX, XXXX, and TRANSUNION are in violation of my consumer rights by reporting several charge offs that are over the amount of {$600.00}. These debts are now lawfully classified as Certificates of Indebtedness which makes this income to me. Income is to not be reported and is a violation of my privacy pursuant to the Privacy ACT of 1974. 

In its broadest sense, a 1099-C is an information tax return that banks, credit unions and other commercial lenders must provide debtors after an identifiable event causes the creditor to have to discharge an indebtedness of at least {$600.00}. The identifiable events that require a creditor to issue a 1099-C include any discharge, cancellation or extinguishment of a debt that occurs by reason of ( A ) bankruptcy ; ( B ) receivership, foreclosure, or similar proceeding ; ( C ) the expiration of the statute of limitations for collection of the debt ; ( D ) the election of foreclosure remedies by a creditor ; ( E ) pursuant to a probate or similar proceeding ; ( F ) a settlement for less than the full amount owed; or ( G ) the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. See XXXX. XXXX. XXXX ( b ) ( XXXX ) ( i ). 

Lenders that charge off a debt trigger issuance of the 1099-C when their defined policy leads the lender to discontinue collection activity and discharge a debt. A lenders defined policy includes both written policies and established business practices. See XXXX. XXXX. XXXX ( b ) ( 2 ) ( iii ). An example of an established business practice includes discontinuing collection activity and abandoning debts upon expiration of a particular non-payment period. Id. 

They are unlawfully reporting the following accounts : XXXX XXXX- {$1500.00} - XXXX XXXX  - {$6200.00} -XXXX XXXX XXXX- {$3400.00} All of these amounts are clearly over {$600.00}. 

Pursuant to the laws outlined in the FCRA XXXX, XXXX, and TRANSUNION are supposed to validate and verify that all information is 100 % correct before reporting any information on my consumer report.
Consumer complaint received 2021-07-01
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. (IN)

Hi, I contacted XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) three times to dispute their fraudulent tradeline on my credit report. I also disputed with the credit bureaus. They haven't remove the tradeline. Because this issue is damaging my credit rating I offer XXXX a payment of {$750.00} to settle the account but they didn't accept. At this point I need help from your agency to help me remove this unknown tradeline from this company.
Consumer complaint received 2018-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (MI)

As of XX/XX/XXXX, I have been continuously trying to resolve my son 's identity and fraudulent account. I repeatedly tell them on the phone that my son is XXXX as of now and the account was opened when he was probably XXXX. He was born in XX/XX/XXXX, not XX/XX/XXXX like they have stated. The person who stole his identity is incarcerated for running a identity theft scamXXXX XXXX XXXX XXXX XXXX. the original creditor has summoned XXXX XXXX XXXX and they are unbearable, rude and will not stop calling, sending threatening letters to a minor.
Consumer complaint received 2018-01-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( XXXX XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

On XX/XX/2022, I received a letter in the mail from Convergent Outsourcing , Inc. in XXXX, XXXX, stating that I owed {$140.00} to XXXX, and after their failed attempts to collect, Convergent was now collecting my debt. I contacted Convergent and a representative told me I owed the debt and began to ask for personal information from me, specifically my XXXX account number ( former ) and my personal pin for that account. I ended the call without giving that information. I spoke to XXXX three times over the remainder of XXXX and confirmed when I closed my account with them in XXXX, I had no balance, and they have no communications trying to collect any amount from me ever. I submitted a formal request to dispute the debt with Convergent. A week after that, today, I called Convergent to confirm they received my dispute request. At that time they said they did and they had cancelled my debt and nothing further was needed. This appears to be a fraudulent attempt to collect money.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Due to recent data breaches at Equifax I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from XXXX and {$10.00} from XXXX. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.
Consumer complaint received 2018-01-27
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: Bread Financial Holdings, Inc. (HI)

PayPal has completed a hard inquiry of my credit report that has caused my credit score to be charged with a hard enquiry. I have not utilized or authorize PayPal account to do the credit report and was notified by my financial institutions protection monitoring system that my debit card was used to purchase items from an unknown source with over {$500.00}. That led me to put a hold on the debit card account and get a new one.
Consumer complaint received 2019-03-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (MO)

Final payment posted to our account XX/XX/XXXX. The account history shows a refund of {$3500.00} posted on XX/XX/XXXX. I called on XX/XX/XXXX to inquire about the status & was told allow 10 days due to the amount. I called again on XX/XX/XXXX and was advised it is 10 business days which should make the release date XX/XX/XXXX. I called on XX/XX/XXXX and was told it released on XX/XX/XXXX. Today is 28 days since the account was paid. The lien release was received on XX/XX/XXXX. We want our over-payment, plus interest, refunded immediately.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
DEPTEDXXXX XXXXXXXX Balance : {$4200.00} ; DEPTEDXXXX XXXX Balance : {$7500.00} ; US DEPT ED XXXX Balance : {$5800.00} ; US DEPT ED XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (MA)

On XX/XX/XXXXXXXX I was notified that my credit information including social security number, birthdate, and home address were compromised in a security breach with Equifax. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XXXX through XXXX of this year.
Consumer complaint received 2018-01-28
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. (AZ)

XXXX, XXXX  and Trans Union stated they deleted and permanently blocked the following fraudulent and unauthorized credit card accounts from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, {$470.00}, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The accounts are all fraudulent, unauthorized and dont belong to me.
Consumer complaint received 2018-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

this complaint is regarding Bank of America credit cards ( 2 ). I had a credit card which had been set up on automatic payments, had a XXXX balance for several Years. I began using it again in XX/XX/XXXX and received my monthly statement with a due date of XX/XX/XXXX and a minimum payment of {$30.00} with a balance of {$2000.00} but did not pay it since it had previously been set up on automatic payment ( all of my bills are automatic payment ). I have these accoutns with BA for over 10 years with XXXX late payments. Today XX/XX/XXXX I got an email that BA had not received my payment and was lowering my credit limit to the amount of my balance on 2 cards, the other card which was not late. I called customer service and made a large payment of {$500.00} today. I also called BA customer service and filed a complaint with the following reasons : 1- their website is difficult to navigate and difficult to set up automatic payments. 2- I had never had a previous late payment with them 3- the decision to lower limit was arbitrary and not based on previous slow credit payments with them 4- the arbitrary decision to lower my credit limits could negatively impact my credit score with credit reporting companies. XXXX there is no " grace period '' or notification that your payment is past due.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS (OH)

Lexis Nexis Consumer Center XXXX XXXX   XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX