davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-07-19
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. (MD)

Experian is reporting that I have a delinquent account although I paid in full my XXXX XXXX credit card. Why is Experian reporting that the status of my closed account is delinquent? This is false information and not reflective of my progress of paying off my debt.
Consumer complaint received 2017-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WI)

I have tried multiple times to get my brother taken off as cosigner for my loan. I make XXXX a year and have not made late payments in awhile, and was basically berated when I told them I could n't afford payments in the past ( right after I left college ). I have submitted the forms multiple times to remove my brother as cosigner, including getting my official and unofficial transcripts, and very thoroughly filling out the forms. I 'm sick of being jerked around by Navient and been treated like a child by their customer service.
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (FL)

in XX/XX/XXXX we notified PHH MTG. that we were experiencing financial difficulty.they told us before they could HELP us we had to be behind XXXX mos. at that time we called again for HELP and were sent a packet to fill out and return, we did. during this time we put house on market with no luck. tried another realtor no luck. husband was injured on job and required XXXX and XXXX by XXXX. He trained for home inspection no luck there houses were not selling!!! XX/XX/XXXX wife retired. XXXX XXXX wife had XXXX XXXX requiring XXXX. HUSBAND TOOK JOBS WHICH DID NOT MEET OUR FINANCIALY NEEDS. STILL TRYING TO SELL HOUSE. NO LUCK. WIFE TOOK XXXX JOBS. XX/XX/XXXX ENLISTED AID OF HOPE filed the ANSWER. went to court XXXX-XXXX times by XXXX XXXX PHH told us that there was nothing they could do for us. " WHAT ABOUT OBAMA PLAN? '' XXXX XXXX ( which we did not even know was involved in our mtg. ) did not 'BUY INTO THE OBAMA PLAN!!?? XX/XX/XXXX we moved out and to FLORIDA. we have and are still getting paperwork request from them, we have had XXXX buyers back out due to inefficency of PHH TO move on sale. we have a XXXX cash paying buyer now who is threatening to bow out. a message just today from realtor for recent pay stubs AGAIN. WE JUST SENT AT THAT TIME RECENT PAY STUBS IN XXXX XXXX. OUR MTG. WAS ORIGINALLY WITH XXXX XXXX XXXX, REFI NANCE TO PHH WHO IS BACKED BY XXXX XXXX. OUR OPINION IS THEY ARE PURPOSELY PUSHING US TO FORCLOSURE. THIS IS NOT FAIR TO NEIGHBORS ( HOUSE IS BEING NEGLECTED BY THEM ), REALTOR HER TIME AND MONEY, AND MUNICIPALITIES. PLEASE HELP US THIS IS SO UNFAIR AND PAINFUL TO US. HOME PHONE NO. XXXX OR CELL XXXX XXXX.
Consumer complaint received 2020-05-01
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: EQUIFAX, INC. (MO)

It has come apparent to me that the three ( 3 ) major credit reporting agencies are not following the rules and laws of the FCRA. I reported to the 3 credit reporting agencies of the lost / stolen personal information regarding my identity. And since my identity has been compromised it has profoundly effected my credit file. I summoned the credit reporting agencies to send me a certified physical documentation via their Method of Verification in regards to these fraudulent and unknown accounts reported within my credit files. I'm demanding that these unauthorized accounts be blocked and removed from my credit file immediately. 

1 ) XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX  XXXX 6 ) XXXX XXXX  7 ) XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX   10 ) XXXX XXXX XXXX 11 ) XXXX XXXX {$31000.00} 12 ) XXXX XXXX {$6600.00} 13 ) XXXX XXXX {$6000.00} 14 ) XXXX XXXX {$3500.00} 15 ) XXXX XXXX {$3500.00}
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

This is in regards to Synchrony Bank Belk Ceedit Card. I made a two purchases on XX/XX/2020. I initially wasnt getting any bills. Once I remedied that issue, i paid the account. The payment was applied to the wrong account. I paid tha account in full. I continued to re eive bills for the ammounts of XXXX and XXXX but now with interest added. After numerous calls, which they have documented, i got a refund and a Notice of Right To Cure Default in XX/XX/2020. I continued to receive bills with the same billingand made more calls into XX/XX/2020 when I was told i had no other issue. I now have received email noticea that i now owe XXXX. Please assist me in getting this issue cleared up and make sure my credit score has been affected.
Consumer complaint received 2019-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Accounts Service Team Inc. (TN)

My Husband and I have received letters from a Collection Agency in regards to a debt we allegedly owe so in return we requested validation for both of us. The original letter from them apparently indicated we both are debtors from the business they purchased the debt from. First : The validation we received did not indicate my husband was a debtor. Second : This Collection Agency is attempting to make us pay an amount above the original debt by adding fees and interest. This violates the Fair Debt Collection Practices Act both Federal and the State of Tennessee. Third : They refuse to answer all the validation questions I sent them that were within legal parameters to ask. I would like to mention this Collection Agency has had several complaints against them with the XXXX XXXX XXXX for the same violation.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (VA)

XX/XX/21 XXXX XXXX  - I did not authorize this inquiry. Please remove. 
XX/XX/2XXXX XXXX XXXX - I did not authorize this inquiry. Please remove.
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP (UT)

Im filing a complaint against US Bank Leasing for increasing the dealer payoff of an automobile lease nearly {$6000.00} to a dealer where I was trading in my car. 
I had a consumer automobile closed-end lease through US Bank on a XXXX XXXX I purchased in XXXX. I have been working with XXXX XXXX XXXX to trade the car for a new XXXX XXXX to reduce my monthly payment. I still had 5 more payments left on the lease, so I called US Bank to get the amount of the payoff. It took several calls, but I finally got a payoff quote of {$25000.00} on XX/XX/XXXX. 
I went into XXXX XXXX XXXX on XX/XX/XXXX to sign the paperwork and purchase the new car. When the XXXX XXXX dealership called US Bank to get the exact amount, they were told that the payoff would be {$31000.00}. This was a shock to me and to the finance people at XXXX XXXX! The dealer called several other people in US Banks lease department and was told the same thing. US Bank said that the car was valuable, so they werent willing to let the lease be paid off for the {$25000.00} left owing on the lease. They admitted on the phone that they just wanted to make more money. 
I was stunned! I thought payoff amounts were regulated and required to be accurate. The agreement is a closed-end lease through a bank. US Bank is the lender and should have no right to inflate the payoff or retail a car unless it has been repossessed. 
To resolve the issue, US Bank told me I would have to pay off the loan myself and wait for them to send the title before I could trade in the car. Paying off the lease myself required me to borrow the {$25000.00} for several weeks until they sent the title. In addition, their payoff included {$1700.00} in Utah State sales tax which would not be included in a typical dealer trade in since Utah sales tax is included in the new car purchase. So now Im paying sales tax twice! 
I have never been late on a payment! And with all the current financial problems COVID 19 is causing, US Bank is intentionally increasing the cost of my new car which reduces the benefit of buying a less expensive car to reduce my monthly payment. Absolutely appalling! 
I am filing a formal complaint because US Banks practice of inflating lease payoffs to dealers should not be allowed under a closed-end lease agreement. If it is legal for them to do that, it certainly isnt ethical. They are in essence charging me either {$1700.00} extra in sales tax or {$6000.00} extra to the dealership where I am trading in the new car. 
There are 4 attachments : 1 ) Copy of the original lease, 2 ) Explanation of lease payoff request from the dealer, 3 ) Lease payoff form to dealer, 4 ) Lease payoff form to me,
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (OK)

The credit card company debited my bank account for annual renewal fee WITHOUT sending a statement. When this fee showed up on my bank account without any prior notice I disputed it. On XX/XX/XXXX I received a postal letter that my account was overdue. Then I spent 25 minutes on telephone with their representative before she told me that an account supervisor would have to do this. The account supervisor was to call me back later on XX/XX/XXXX. This never happened. Today I have been on their website for almost an hour trying to cancel account but I end up in a loop that constantly sends me back to a previous location.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

IM NEW TO PAYPAL, MY GIRLFRIEND SEBT ME SOME MONEY THROUGH XXXX XXXX  FOR THE LIGHT BILL AND I LINKED MY XXXX XXXX CARD BECAUSE I DONT HAVE A BANK CARD AND THEY SAID IT WAS PROBLEMS WITH THE CARD. I DONT UNDERSTAND WHY MY FUNDS WERE PUT ON HOLD AND THIS IS FRUSTRATING THAT I CANT PAY MY LIGHT BILL. PLEASE GET BACK TO ME
XXXX
Consumer complaint received 2020-07-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (CA)

I have a derogatory mark on my credit score from rapid cash LLC. During that time I was going through financial hardship from job loss. The interest rate that was applied to this loan was too much for me to pay at the time and it took a while for me to get back into the workforce and now I have not been able to get a hold of them in order to resolve this issue. I would like to be forgiven the negative remark on my credit report.
Consumer complaint received 2018-06-25
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: CITIBANK, N.A. (NY)

bloomingdales XXXX XX/XX/2017 I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
Consumer complaint received 2022-09-13
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. (PA)

I am submitting this complaint on behalf of myself. According to the FCRA The 3 consumer reporting agencies are in violation of 15 USC 1681 section 602. Which states I have a right to privacy. I sent these companies a dispute letter stating that are in violation of 15 USC 1666b ( please see attachment ). Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. They are in violation for reporting this inaccuracy to my consumer report. They are being intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy on my report based on federal law Please see attachment.
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I submitted lease payments via my banks electronic bill payment system on XX/XX/20 and XX/XX/20, which were both paid timely. These were the first two payments made on a new lease, and due to an accounting error by the bank ( they were going through a merger at the time ) the payments were made to my previous lease account. 
I did not become aware of this until I received a statement from XXXX XXXX indicating that I was in arrears on my lease payments. 
I contacted both XXXX and my bank ( XXXX ) to determine what had happened because I had confirmation of the payments being made by the bank to XXXX. 
After several calls to a call center, apparently the error was found and the funds were reconciled to the proper/current lease account. The reconciliation took place on XX/XX/20 according to XXXX XXXX records. 
my problem/grievance is that even though the problem has been addressed and rectified, XXXX has not corrected the information it forwarded to the 3 credit reporting bureaus, and now they all report my credit rating as lower by a significant score. 
I want the record corrected, and my score prior to this error, reinstated.
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc. (CA)

I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days.
Consumer complaint received 2020-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (FL)

PNC is not allowing XXXX  to have access to accounts. 
I tried to sign up, but the issue is at PNC 's end. 
This bank should allow information-pass through to XXXX so end users can use this service with their PNC accounts and thus have another line of protection since XXXX generates unique credit card numbers and I think ( in my case ) can limit fraud occurring. XXXX cards can also have set limits placed on them, unlike traditional credit cards.
Consumer complaint received 2018-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (DE)

Original Inquiry : My compliant is with Nelnet. Apparently they handle DOE cases but I have compliant which needs to be heard. My case was opened on XX/XX/XXXX to discharge my federal student loan based on my XXXX-confirmed by the Social Security Administration. I changed my status to Veterans Administration XXXX XXXX. It has been seven months since changing my XXXX status, nine months since my case was opened and three months since I supplied additional documentation. Nelnet has responded, in an unprofessional manner, confusing correspondence and an extremely slow response. It is painful working with Nelnet. They have the VA and Social Security XXXX form Please advice Sent On - XX/XX/XXXX I  appologize for attachingidentifiable info but it's important to see my VA rating Case Number
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am curious if the credit reporting company stated that it was taking this long to do something because I was the son of XXXX XXXX would you except it? I got the information from the bank for Trans Union. I called Trans Union and ended the dispute. I did that because Trans Union could not look into my case while the dispute was open. So I ended the dispute and they made a notation to my credit report. But they failed to remove the notification of the delinquent report. They have continued to blame XXXX XXXX  for this erroneous report. So lets keep this simple. I am requesting a copy of the report that XXXX XXXX  sent and or around XX/XX/XXXX stating that I was delinquent on a payment of XXXX.My guess is they wont be able to produce one because XXXX XXXX  has told me repeatedly that they have never submitted one
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NJ)

Dear CFPB, XXXX has placed me in collection with the agency described below.As result of this the balance on the account was reported to the credit agencies. I dont have any knowledge of me owing XXXX  money nor I was aware that they were attempting to collect any debts from me.I dont believe is a fare business practice to report my account to the credit agencies and cause my credit to be damage for a debt that is not even legit. I would appreciate your assistance resolving this matter as I am trying to have this collection account removed from my credit report as soon as possible. I believe this is an abuse of power and invasion to my personal credit. Thank you and I look forward to your answer. 



You've paid off 0 % of your collection amount. 
Balance {$330.00} Highest Balance {$330.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2021-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Certified letters were mailed to TransUnion, XXXX  & XXXX on XX/XX/2021, to address unauthorized fraudulent information being reported on my credit report. No response 60+ days later.