davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

From the onset the purchase with Toyota Financial Services, we were given bad service. We were invited to purchase a vehicle through their Bankruptcy Program for people who just filed. We were offered a a few vehicles that were not worth the amount money that they were asking for. We were also told that we were denied credit by all other lenders except for Toyota Financial Services, unfortunately, we received a few weeks later from XXXX XXXX stating that we were approved but we did not respond. So currently, after struggling with payments but attempting to pay them, I was finally able to pay in full an amount tom bring my account current. i made a payment on the TFS website and received the message that the payment was received. My husband called Toyota to confirm a few days later and was told that the we were all set and our next payment is due at the end of the month. On XXXX XXXX, 2016, I called Toyota because I noticed that called and was informed that they did not see the payment and it did not post and is still due. My husband was offered to pay our usual monthly amount ( about {$400.00} XXXX, but my husband insisted that they get to bottom of why the payment was not made. The manager was put on the phone and we were met with aggression and disrespect. She treated us as if we were playing a game and not trying to fix out account issue. So we hung up and called the bank who Toyota insists is the cause of this issue. When we returned the call to Toyota to get more information, we were placed on the repossession list and I was informed that it was effectively immediately. We requested for XXXX to XXXX hours to figure this problem out and fix it, but they refused and we are now losing our car when I clearly tried to make a payment. Their customer service, both at XXXX Toyota in XXXX and on the telephone at Toyota Financial Services, has been by some, aggressive, confrontational, and not a good representative of what a good car service should be.
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

they have a address that i have never been to or live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I did live in XXXX but not here please help
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXXXXXX XXXXXXXX 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 2016-06-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY (PA)

I have XXXX with a XXXX to 5 years. I called Target Red Card services to lower my interest rate so I can get the balance paid off. I am no longer working and can only make minimum payments. I was told that I do not qualify to lower my interest rate even though I have a perfect record of on time payments. Further your customer service representative insulted me today on XXXX XXXX, 2016. I told her that no one can pay the balance should I pass away before it is paid and she said " that is okay ''. I do n't want my family to be asked by the creditors to pay my debt, it is my responsibility. So it is not OKAY that I pass away and still owe you money.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

account # XXXX XXXX XXXX XXXX reported a {$540.00} balance increase that caused my credit score to drop XXXX points.This is a personal loan not revolving credit each month my balance decrease not increase this is inaccurate reporting on my report. 

Account # XXXX XXXX reported {$7.00} increase on my report which caused my credit score to drop XXXX points when in fact my balance decrease.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (AE)

A debt from the department of the treasury was placed on my credit reports when I noticed it I sent in a dispute to the debt. I have attached the 1st debt letter I sent and never got a response back. I have challenged this debt numerous times and haven't received a response. Not only have I challenged the debt but in XX/XX/XXXX and XXXX of 2021 they kept calling me at odd hours. They also kept sending me mail with symbols that I didn't recognize from a third party collector by email and mail. I have email and hardcopy traffic of this correspondence if needed. It says that the highest amount of the debt was around XXXX but they are trying to charge me around XXXX for the debt with ridiculous extra charges. I feel like my consumer rights are being taken advantage of.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (TN)

I had a Nordstrom credit card which charged off in XX/XX/XXXX with a balance of {$920.00} when I was having financial difficulties. I recently tried to call and settle the balance, but they refused and said the debt had been cancelled/written off. I then received a XXXX and had to include the {$920.00} as income on my XX/XX/XXXX tax return. However, the account is still showing on my credit report with a {$920.00} balance and reporting each month that it is delinquent. I called Nordstrom to try to resolve this balance, and they would not accept any payments, nor will they update the balance to {$0.00}, which means I essentially can do nothing to satisfy this account. The account is reporting delinquent EACH month on my credit report. Therefore, my credit score will be negatively affected until the account expires, which is wrong and unfair.
Consumer complaint received 2017-03-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (TX)

TD Bank was the lender for an auto loan that I paid off a few years ago. I have had an extremely difficult time getting them to respond to my letters. TD Bank is reporting to the credit bureaus that my loan was 30 days late on XX/XX/2014 This is NOT accurate information. All of my payments were on time as I had the loan set up through my bank to automatically send payments via electronic transfer each month. I was a very good customer to TD Bank and do not understand why they would not want to correct their mistake. My payment was never 30 days past due. I have filed a complaint with both the XXXX & XXXX Attorney General offices as well.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I was locked out of my email account last XX/XX/2022 and have been unable to contact XXXX after several attempts to gain access to my XXXX Email account. I have also contacted SYNCB because they have been billing me for charges made on the XXXX account on a PayPal Credit account. This problem has been occurring since XX/XX/2022, PayPal, SYNCB and XXXX have been notified of the problem and some problems have been addressed, however the charges continue and SYNCB continues charge me for late payments to a non-existent and unauthorized charges on this PayPal account. Please attached.
Consumer complaint received 2016-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC (FL)

I have an account with XXXX XXXX XXXX Privacy Assistance to monitor my credit. This month I called agency, RECEIVABLES PERFORM MGT/XXXX, that states that a dish account was opened under my social security number and that I owe {$80.00}. They reported it as a new account. They said that the XXXX service is for XXXX XXXX XXXX XXXX XXXX Georgia XXXX. I have never lived in Georgia. I already filled a complain to XXXX and XXXX, with a subject of identity theft.
Consumer complaint received 2015-12-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I purchased my property through a sheriff sale on XXXX XXXX, 2015 in XXXX XXXX, CA. Cashier 's check was provided to the sheriff 's office for all the outstanding liens and obligations. The sheriff recorded and transferred the property to me on XXXX XXXX, 2015. Around XXXX XXXX, 2015, I received a notice of default from Ocwen Loan Servicing , LLC . The notice informed me of Ocwen 's intention to proceed with the foreclosure of the property. It took 2 months of me trying to establish communication with Ocwen and {$35000.00} in legal fees to finally realize the basis for their claim. Ocwen argued that they had not received payments. The original loan amount paid off by the sheriff 's office to Ocwen was {$250000.00}. Ocwen was now demanding and additional {$44000.00} to stop the foreclosure. Upon subpoena of sheriff 's record, it was found that the payment for the exact amount of loan was mailed out to the address provided by Ocwen promptly after the completion of the sale. Ocwen refused cooperation and the investigation into what happened with the check. Furthermore, Ocwen tried to quash the subpoena for their internal records to clarify the mystery of the lost check. In a court appearance on XXXX XXXX, 2015, the judge 's interim decision was that Ocwen needed to stop the foreclosure proceeding, fill out and sign under oath, a statement indicating that they had not received the check. This statement needed to be forwarded to the sheriff 's office before another check could be reissued. Ocwen did not forward the signed letter to sheriff 's office until XXXX XXXX, 2015. After 6 months of deliberate delays by Ocwen, now that they have the reissued check, they are asking us to pay an additional {$13000.00}. or face foreclosure. The attorney for Ocwen knows that challenging their outrageous demand, will cost the consumer much more in legal fees. Therefore, the helpless consumer will most probably choose to pay the unjust fees than to go through a costly legal battle and/or face foreclosure. Ocwen has created a cloud on my title. Ocwen 's lack of cooperation, excessive and deliberate delays, as well as their reluctance to resolve this matter is due to their policy of adding up costs and fees for the consumer. They do not conduct their business in an ethical and honest manner.
Consumer complaint received 2017-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

i have sent multiple letters to experian to remove inaccurate addressed and accounts from my credit report and each time they refuse and make it extremely difficult to speak to anyone or address the matter. they stated i had more then one credit report which made no sense and that some of my information was split. after they merged reports i noticed information both personal and accounts that were not mine and they refuse to remove the false accounts let alone match my information to these accounts to make sure they are 100 % accurate. iv stated to them if its not 100 % they can not report it and have spoken to and written to them to remove such accounts as it violates the FCRA. they even want as far to put my name wrong on my report even after sending them my license, social card and birth certificate.
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (ME)

This is a very old account that is way more than what I think is owed. My estimation is that this particular agency has charged me in excess of {$900.00} in late fees/surcharges that they agreed to be waived.
Consumer complaint received 2015-06-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (FL)

I had an auto loan through Huntington National Bank. At the maturity of my loan the Bank said that several of the payments they received were outside the grace period. After much discussion of the calculation of their claim I agreed to pay the {$170.00} in " late fees ''. The Bank then declared that I did not pay the {$170.00} timely and reported the matter to the Credit Bureau as a charge -off. While I take exception to the heavy handed method of reporting the late fees as a problem loan my complaint is that the Bank continually reports that {$32000.00} was written off. I have repeatedly tried to get the Bank to report accurately the disputed amount but they refused to do so. Please help me to get them to report this matter accurately.
Consumer complaint received 2016-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

This is a follow up to the dispute against ref # XXXX under which Chase responds to a complete different loan than the one in question. 
My inquiry on loan # XXXX is under XXXX XXXX XXXX XXXX XXXX XXXX - in which I am one of the shareholders. Since the loan documents indicates that all outstanding mortgages were pledged as collateral to loan for $ XXXX issued in 1996 by XXXX XXXX XXXX Co who was later acquired by your institution, and being that I am a direct party involved in a collateral I was not informed about, I need your confirmation as to whether my mortgage was one of the loans pledged against the above loan.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount Capital Group, Inc. (TX)

A consumer credit transaction was initiated with XXXX XXXX in 2021 with this debt collector, and they have published deceptive forms to make me believe I owe a debt, along with illegally reporting to my consumer credit report that I gave no written consent for. I have gotten repeated harassing phone calls and text messages, about this alleged debt and it has impacted my life and business.
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Accts ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Bank of America has been deducting money from my available balance every time they decline a charge. Even though the money is in my account they find an excuse to decline the charge but still take that money out of my available balance. When it's time to credit the money back to my accounts, I also notice every time Bank of America does this the money is never re-deposited back into my account the transactions just go away. Also, B of A charges its customers {$50.00} each time they use a none Bank of America ATM. I was never informed of this until I saw {$50.00} dollars being deducted twice in one day and I ask the customer service rep what was that fee for, which if I never asked or noticed it I would not still know.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MA)

This is the SECOND time that I am sending this letter. I sent the original letter on XX/XX/2022. ( see below ) Since the original letter, I have been a victim of IDENTITY FRAUD from this company. An account was made in my name with this company 's name attached to it. It was an additional account ( a mortgage account ) that I had no idea of. I was told because of this error, that as a courtesy, any accounts from this company shall be removed from my credit report. Either way it is still reporting. So you can either remove it without further incident or you can adhere to the bottom portion of this letter. I will also be filing this letter as a complaint to the CFPB and if I do not have this company removed from my credit report within the next 14 days, I will be forced to file a complaint with the FTC. 
Original letter that I have yet to get a response to that was sent last year : I am sending this certified letter because I have noticed that there is a charge off or a debt in collections on my credit report from your company ( Acct numbers XXXX ), however, I have never received a Schedule C form for that specific charge off. By law that can be considered taxable income per IRS literature and I can be penalized for not reporting it. I am requesting this form so that I can have all legal documentation in my records if I need to provide it to the IRS.
Consumer complaint received 2016-10-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Metro Republic Commercial Service, Inc. (CA)

METRO PUBLIC COMM SVCS has been littering my credit report with fraudulent claims of owing a debt. I 've instructed them I was the victim of identity theft & they continue to report unverified/unvalidated accounts or claim these are new accounts, reaging are violations of the FDCPA & FCRA. I would like all references of METRO PUBLIC COMM SVCS removed from all my credit reports ( yes plural ) immediately. I 'm attaching the police report again. If these accounts are not removed STAT i will be seeking legal representation for violations of the FDCPA & FCRA and seeking damages for intentional infliction of emotional & financial stress ...
Consumer complaint received 2023-03-21
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. (RI)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-08-09
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give them consent.
Consumer complaint received 2017-03-13
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NJ)

I bought out my lease from Chrysler Capital. The buyout was XXXX. 
I sent a check to Chrysler capital for XXXX which INCLUDED the New Jersey Sales Tax of XXXX. 

I received the Title for the vehicle alone with a " Bill of Sale '' stating I PAID NO SALES TAX. 

Now when I got to title the vehicle in New Jersey, New Jersey division of motor vehicles wants to collect the sales tax on the XXXX. I ALREADY PAID THE TAX TO Chrysler capital. 

I have proof of my cancelled check to Chrysler Capital in the amount of XXXX. 

When I contacted Chrysler Capitol they told me " THEY DO NOT KNOW WHERE THE MONEY WENT '' This I feel is unacceptable and deceptive as a business practice. They also sent me what I am calling a fraudulent document stating XXXX DID NOT pay sales tax, whereas I previously stated, I have a cancelled check showing the taxes were paid. 

I am unable to title or register my vehicle. I do not know what my recourse is anymore.
Consumer complaint received 2017-02-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

Our payment is due on the XX/XX/XXXX of every month. For the payment due XX/XX/XXXX we are unable to pay until the XX/XX/XXXX, due to owing the IRS. We called our account manager XXXX who told us that this is an active collection 's account and that management is reviewing this account for repossession. We gave him viable payment arrangements, to make a full payments of {$280.00} three times in the Month of XX/XX/XXXX to bring the account not only current but should put us one month ahead. I work in car finance and to tell us they will repo the car before the car is even 30 days past due. We receive rude text messages from XXXX and get no customer service whatsoever. We have struggled before and there have been months where we had to pay less than what we owed but we have never gone a month without making a payment. The " account manager '' is basically telling us they would rather not take our money and repossess the car. They received XX/XX/XXXX payment, in full, one day before the due date. We have no family or friends we can borrow the funds from. In XX/XX/XXXX they received a {$5000.00} check from our insurance company due to hail damage. But still we are treated as loafers who continuously do n't pay. This company does not care about customer service and helping out their customers.
Consumer complaint received 2015-12-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (NM)

Telephone calls received from Hunter Warfield for the past 11 months. Have not ever answered the calls -- can not provide details of reason for calls. 
Suspect that reason for call is a medical debt that my son 's wife owes. I have no debts and I owe no debts. 
Calls come from phone numbers XXXX XXXX XXXX, caller id is Hunter Warfield and XXXX XXXX XXXX, caller id is Toll Free