davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I received a bill for excess wear and use related to the end of a lease for a XXXX XXXX. The bill was dated XX/XX/2018. Upon review of the inspection report, I discovered significant damage to the rear bumper of the vehicle. There was no damage to the vehicle when it was returned and exchanged for a new XXXX XXXX. The salesperson XXXX XXXX XXXX XXXX took photos of the car when it was returned. Upon receipt of the inspection report and the bill, I contacted both Toyota Financial Services and the dealership. Both promised a review of the file and that they would get the photos from the salesperson to confirm there was no damage to the vehicle when it was returned. I emphasized to both parties -- especially since they insisted that I was at fault for not getting a pre-inspection prior to returning the vehicle -- that I was not told of the opportunity for pre-inspection until *after* I had exchanged the vehicle. Toyota Financial Services promised a call back from the escalations desk in XXXX hours. No call was received. Eventually, I received a revised bill which indicated that they had removed {$100.00} for " excessive stains '' on the seats. The {$460.00} charge for the bumper remained. Eventually, after being unable to contact anyone at XXXX or the dealership to resolve the issue, I paid the requested amount to prevent further collection action. I then spoke with a representative on XX/XX/18 who indicated I had been misadvised as how to handle a dispute and that I needed to write a letter to Customer Service XXXX XXXX. I did as directed and XXXX never replied.
Consumer complaint received 2017-10-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

Date : XXXX/XXXX/XXXX Amounts : {$490.00} I made a transaction through money-gram to send money to my friend as donation, the receiver said that she already reached her goal and they do n't need the money so I called money-gram to cancel immediately after 12 minutes minutes from sending the transaction. The agent assure me it is cancelled and I should receive a refund. On the next day, I cheeked the status of transaction and I was surprised that they actually send the money. I called and I filed complain but without any success. I lost trust in the company so I went through my bank and I filled dispute of the transaction because I did n't authorized them to complete the transaction. Moneygram now send it to collection without even telling me that I have to pay them. 
I have attached the time frame of my call to the company Note : the time of transaction is on transaction detail ( XXXX pm )
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

MY CREDIT CARD FROM CHASE WAS APPROVED AND ISSUED TO ME. AFTER ACTIVATION I FOUND OUT 2 WEEKS LATER, IT WAS CLOSED. THIS IS THE SECOND TIME THIS WOULD HAPPEN WITH CHASE CREDIT CARD ( MILEAGE PLUS EXPLORER ). 
I HAVE NEVER HAD THE OPPORTUNITY TO USE THEIR CARDS. THEY KEEP APPROVING AND CLOSING IT. THIS IS UNFAIR AND THEY NEVER GIVE ME REASON WHY THE CARD WAS CLOSED.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

In XXXX when I realize I was in trouble I reached out chase filled out loan modification paper cause they said could help me just be told in XXXX that lost all my papers I would have refile them so I did ... .so time went by they kept telling me they need more documents I sent numerous papers all ways get told was n't good enough so behind my back without warning they filed Forclosure on me I found this out when cops served me..so I called them to ask they tell me well all my paper work expired wanted it reviled for 3rd time to be told month later nothing they could do.plus since XXXX I had tried make payments they would n't work with me at all was very upsetting way all of it was handled.come find out chase makes money off ever time they have me file..
Consumer complaint received 2024-03-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Northstar Location Services, LLC (GA)

Consumer has a right to privacy. NORTHSTAR LOCATION SERVICES, recently began contacting the consumer after " purchasing an alleged debt '' that consumer allegedly owed to XXXX XXXX XXXX. The debt collection agency was informed to cease and desist contacting Consumer. NORTHSTAR LOCATION SERVICES received notice to cease and desist on XX/XX/2024 via certified USPS MAIL. Once previous contract with XXXX XXXX XXXX was severed which is the Consumer 's personal non-public information, any alleged contract became null and void. NORTHSTAR LOCATION SERVICES also accessed Consumer 's credit report without their written consent, authorization and/or permission which is a violation of the FCRA and FDCPA. NORTHSTAR LOCATION SERVICES since accessing consumer 's personal information, should have been notified that XXXX XXXX XXXX  submitted cancellation of debt to the IRS, therefore any alleged debt has been discharged and forgiven. Consumer has suspicion of these two companies committing TAX, SECURITIES AND TRUST FRAUD, therefore Consumer will be submitting FORM 211 INFORMATION REFERRAL AND FORM XXXX TO THE IRS for any account held in consumers name and social security number with XXXX XXXX XXXX  AND NORTHSTAR INFORMATION SERVICES. CONSUMER HAS NO CONTRACT OR BUSINESS WITH XXXX XXXX XXXX NOR NORTHSTAR LOCATION SERVICES NOR ANY OF THEIR AFFILIATES. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX XXXX IS IN VIOLATION OF THE FCRA 15 USC 1681 FOR ADVERTISING AND SELLING CONSUEMR 'S PERSONAL NON PUBLIC INFORMATION. NORTHSTAR LOCATION SERVICES IS IN VIOLATION OF THE FDCPA 15 USC 1692 A Consumer 's Right to Privacy. CONSUMER HAS COPY OF XXXX REPORT SHOWING THE DEBT COLLECTOR ACCESSING THEIR CREDIT REPORT WITHOUT CONSUMERS WRITTEN CONSENT. CONSUMER HAS PREVIOSULY OPTED OUT OF ANY PROMOTIONAL SHARING OR SELLING OF THEIR INFORMATION AND NORTHSTAR LOCATIONS SERVICES HAS NO PERMISSABLE PURPISE TO ACCESS THIS CONSUMERS INFORMATION AND THEY AHVE BEEN NOTIFIED TO CEASE AND DESIST CONTACTING CONSUMER.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

20 YEARS AGO, TRANSUNION GAVE ME A CORRECT CREDIT REPORT. But now, they won't let me sign in to get a report, claiming " We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. '' -- - This Happened XX/XX/2018 after the 1st question.

The OTHER 2 agencies have no problem. I tried to get a mortgage loan a couple weeks ago, and Transunion reported incorrect information to my bank, so I wanted to file a complaint.

I had a problem with them 10 years ago, but they put the problem on ME TO VERIFY MYSELF ( send birth cert., Driver Lic , and More ) - there was no CFPB to notify back then. They refused to attempt to verify over the phone ( back then, and I won't bother to repeat the hours on the phone ).

If they would " cross-reference '' my Social Security number with the other agencies, they could clear this up.
Consumer complaint received 2017-12-27
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. (FL)

I ask Experian to remove items from my credit I furnished a police report my ID SS Card everything they ask for all items were removed except for XXXX its not mine I fueled the report with police ask for it to be taken off and the 46 inquieries which none of which havent been removed either. I have taken all steps and I have provided all info needed to prove its not mine
Consumer complaint received 2022-09-08
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX, Account # XXXX Account name : XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-04
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: EQUIFAX, INC. (FL)

Hi- On XX/XX/XXXX I made a XXXX mortgage payment within the allocated dates and time. We have until the XXXX of the month to make payment without negative reporting. The XXXX XXXX  online portal provided an authorization and tracking number that the payment was accepted and posted. I have attached record of transaction. 
XXXX XXXX reported us over 30 days late and negatively impacted my credit score. I have disputed with credit agency but to no avail. I would like them to please correct negative reporting to all three agencies. 

In the meantime XXXX XXXX has sold our loan to new servicer and now doesn't want to do anything about this inaccuracy since we are not with them anymore. 

Please have this derogatory report removed.
Consumer complaint received 2018-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: E*TRADE BANK (CA)

E*Trade gave someone the login information and password to my account. After changing my username and password to prevent this in the future I asked that they close my three checking accounts and open new ones for me. After calling and emailing them for two months this has yet to be completed. Also, after several requests  they have not sent me copies of my bank statements. I am told over and over again that this will be taken care of but have to contact them again and again and again. 

E*Trade should not be giving other people access to my account, but when they do the should resolve the issue without making me contact them dozens of times.
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

On XX/XX/XXXX I submitted a letter to my mortgage company requesting the removal of PMI due to me reaching 20 % equity in my home. On XX/XX/XXXX a home inspection was performed by the mortgage company and paid for by me to assess the value of my home. I receive numerous emails from the mortgage company indicating the " new value '' of my home is {$390000.00}. My current mortgage balance is {$230000.00}, resulting in an LTV ratio of around 60 % ( or 40 % equity ). Despite this, the mortgage company continues to deduct PMI from my escrow account every month. I reached out to the mortgage company on XX/XX/XXXX seeking explanation of the status of the removal of my PMI payments. I received no response from the mortgage company and PMI continues to be deducted every month form my escrow account.
Consumer complaint received 2017-12-27
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. (MN)

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me, some with multiple dates of inquiries. I have had a security freeze on my credit report since XXXX due to identity fraud and request for anyone that pulls my credit that they should contact me. I sent certified letters on XX/XX/XXXX in regards to this issue and have not heard back from XXXX and Transunion XXXX They are all dated for the year of XXXX and XXXX. I would like for the below inquiries to be deleted. '' I have explained myself about my identity being compromised and a possible email being breached several times. I even had to call to remove addresses that I 've never lived. Please remove the below unauthorized and fraudulent inquiries or send me validation that these were authorized by me. Inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (KY)

In XXXX of XXXX XXXX ported my numbers over to XXXX for better service in our contract area. I left XXXX. In order for XXXX to allow this I had to pay my bill in full and finish paying off 2 phones, which I did to the tune of about {$1400.00}. XXXX promised me {$1500.00} in rebates which I never received ( another dispute ). In XX/XX/XXXX I received a call from XXXX saying I still owed {$170.00}. I disputed it explaining that I would not have been able to port numbers to XXXX if I had a balance. We argued, I hung up on him. Then on XX/XX/XXXX I got a call from AFNI Collections stating that they were trying to collect a debt from XXXX. I politely explained the situation. He was very rude and condescending, we had a heated conversation at which point I hung up on him. That very day I received an email from my credit monitoring company that my credit had been dinged XXXX points. I called AFNI and demanded to know how 1 if theyre employees could possess the power to do that to someone when I clearly had disputed it. She said she would look into it and contact me back. They never called back but on XX/XX/XXXX the collection was removed and my score increased by XXXX points. At the time I was trying to purchase a vehicle and I was furious that they had been able to do that. I contacted a lawyer who said he could send them a demand letter for {$1000.00} for damages. I disagreed with that amount so never pursued it. Well now you can see by attached documentation that the debt has been sold to another collector and with out notice, proof or cause, they have place a derogatory mark on my credit causing my score to drop again and affecting my ability to get a good rate on a car for my daughter. I intend now to pursue it to full extent possible. This has to stop. These agencies should not possess such power!
Consumer complaint received 2022-03-10
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. (PA)

My name is XXXX XXXX and I'm writing in regards to XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood & caused me anxiety. 
I wrote XXXX XXXX via certified mail on XX/XX/XXXX a Debt Validation requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the XXXX time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation request that XXXX XXXX ignored. Along with a copy of the email I send to them that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! Please stop violating my rights and remove this item from my consumer report. By law the CRA 's, creditors whom ever has 30 days to complete a XXXX investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over XXXX ago! Therefore XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Equifax Information Services LLC by XXXX shall remove this item from my consumer report. I'm not repeating myself again! You think I'm playing watch me? I will continue to build my case and XXXX all three of yall for damages! There is a laundry list of damages caused upon me from yall reporting this item! 
CC : Pa attorney General, FTC & the XXXX
Consumer complaint received 2017-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (GA)

XXXX which who I never heard of from XXXX hospital is attempting to collect a debt in the amount of {$370.00} on XXXX XXXX, 2017. I do not live in XXXX. I reside in XXXX. Where is this collection coming from I have no idea.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

A complaint and order to remove account from the personal credit report was requested due to the account being shown as CHARGE OFF, which according to the Internal Revenue Service is considered income, which should be reported on the individual 's tax income. We have requested numerous time the company remove the account from the credit report as this account in COLLECTIONS is injuring the individual from attaining a higher credit score to participate in commerce.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

I was received money for my tuition through XXXX frequently my account got closed and they said they are doing investigation for 10 business days it pass more than 20 business days I tried all means of reaching them I only received a check of XXXX $ and I havent received the remaining XXXX $ on checking account they gave me an extension number to call an agent XXXX but I never get to her they always keep me spinning me around
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (TX)

ACIMA DIGITAL has an account reporting to my credit report that has been proven to be fraud. 

I called them and spoke to a representative on XX/XX/XXXX regarding an account that has recently been added to my credit report. I have disputed this account through the 3 credit bureaus and the company stated they were able to verify this debt as mine. 

Upon speaking to an ACIMA representative, they had an incorrect email and home address where I have never lived. This account is a FRAUD. I was advised to email my police report for identity fraud. 

On XX/XX/XXXX, I went to he police station and filed a police report and emailed the copy as advised and asked ACIMA to please remove this item from my credit report immediately. 

On XX/XX/XXXX Acima responded via email and stated that I sent them a police report that was " unredacted '' as if they insinuating that I made changes to the official document. They received the official document tat i received from the police department and are not removing this fraud account which is hindering me from moving forward with my financial goals. Please assist in getting this company to remove this debt! I don't know what else I can do. Thank you.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Equifax refuses to send me responses in the mail after Ive disputed items with them. I have called them in XXXX spoke to a manager and requested mailed responses only yet I continue to get an email notification because I use to have an electronic account with them. I sent letters certified in XXXX and still never got anything in the mail.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (OH)

Good evening! I have been utilizing Credit Karma in order to learn new information that pertains to building better credit. I have been utilizing their services for a couple years now. After improving my credit quite a bit, they started sending me loan offers and credit card offers labeled as outstanding odds of approval! and great odds of approval! After finally getting my credit somewhat healthy, I decided to apply for a XXXX XXXX card and applied for it through Credit Karmas app due to it saying you have outstanding odds of approval! I applied for the card on XX/XX/22. I was denied. It also put a hard inquiry on my credit report and lowered my credit. I dont feel as if this is fair. If they are to be trusted with all of my personal information but theyre telling me I can get approved for a card and I get denied, that doesnt feel good to me. They obviously cant be trusted. Enjoy your night and thank you for taking the time to read this.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NC)

The issue is about Premier Rewards Gold Card from American Express. On XXXX, I called customer service and asked if my charges from XXXX XXXX XXXX would qualify for the airline fee credit. They answered yes because although the airline I selected was XXXX, XXXX acquired XXXX XXXX and they did not have " XXXX XXXX '' in the drop down list. The charges were on XXXX. I called several times after then and every time the representative said I need to wait longer because it takes up to 8 weeks. On XXXX, I called again because both my husband and I have the card, so I want to cancel mine to avoid paying annual fee twice.The representative said I need to wait another week or two if I want to get the airline fee credit and she also promised that they would refund me the annual fee. On XXXX, I contacted them again and was told that the charges from XXXX XXXX did not qualify for the airline fee credit and I can not get refund on annual fee because it passed certain period. Apparently they can not deliver what they have promised.