davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (CA)

I received 2 personal loans in XX/XX/XXXX from Navy Federal Credit union. The last payment made to those two accounts was in XX/XX/XXXX. The accounts were charged-off. On XX/XX/XXXX, I called to set-up a payment arrangement with them. They agreed to a payment plan with me, however, they refuse to provide any documentation stating the agreement we have. They stated I needed to make three payments and then they can send a letter if I request it. I am not comfortable making {$900.00} worth of payments without something in writing showing what we agreed upon.
Consumer complaint received 2017-10-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

I purchased my leased XXXX XXXX XXXX on XXXX/XXXX/XXXX at XXXX XXXX XXXX through Toyota Financial services. The lease ended XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Toyota Financial Services withdrew {$200.00} out of my checking account when they had no contract what so ever to do so. The lease ended the day before. I called them to get my monies back and they insisted I caused the problem by not turning off auto payments through them. Why would I need to turn off the payments when I had paid off the loan.They would not reverse the non authorized charge and stated I would have to wait for a check in the mail. This is flat out stealing!!! Please stop them. I asked to talk to a supervisor and was jacked around by some punk named XXXX that lied about being a supervisor.
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

I was XXXX XXXX and while in this state my granddaughter ( my care take at the time ) opened and used this " XXXX XXXX aka XXXX XXXX '' credit card. I appreciated her taking care of me when I was XXXX  unstable and did not want charges brought so When this came to my knowledge, and I was stable under physician care I notified the company and made an agreement with them to pay a set monthly payment on a set date with auto withdrawal from my checking account each month to assure that payment would be made on time and would be paid as agreed until the amount owed on charged was paid in full. Which according to the calculation at the time of the agreement with the XXXX representative, over the phone, would have been XX/XX/2018. Todate I received a bill from them for {$180.00} the account was to close upon payment in full so I believed it was closed, and I had stoppped payment authorization in XXXX after it was supposed to be paid in full as agreed. Advertisment would come from the XXXX card company but I would just throw out the letter I was not interested and believed it to be paid in full. 

When I called I learned that The XXXX  company had been deducting from checking the agreed amount and now charging me late fee of {$39.00} each month and when questioned why they said I paid late each month which is causing the account to continue to increase. The interest rate they are charging ontop of the Late fee is 27.2400 % My medication is helping my XXXX capacity but I had to have help in contacting your agency. 

My name is XXXX XXXX, I live at, XXXX XXXX XXXX, XXXX, Sc XXXX my helper is XXXX XXXX her phone number is XXXX. I am more than willing to have my physician send a letter as to my status should you require a letter. My home number is XXXX and I will verify that XXXX XXXX is helping me here in trying to get this matter resolved..
Consumer complaint received 2018-06-07
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: ALLY FINANCIAL INC. (OK)

I went to XXXX XXXX in XXXX XXXX Oklahoma on XX/XX/XXXX the internet sales manager promised me that my credit would NOT be pulled and then in less then XXXX hours my credit had been pulled 3 times XX/XX/XXXX I complain to all 3 parties involved XXXX, ally financial, and XXXX XXXX XXXX XXXX  they refused to do anything about this issue so I then filed a complaint with the better business bureau and the Oklahoma attorney general and still nothing I was miss lead in order to get me to give them my information
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (LA)

The balance reported on XXXX/XXXX/2016 is incorrect. See attached payment was made on XX/XX/2016 in full amount paid was {$2300.00} as attached for your review. It was Debt via EFT as attached. I contacted the Bank XXXX XXXX to verify on the afternoon of the XX/XX/2016. The funds was received and posted to the account. Proof of payment attached. XXXX XXXX called to verifying that the XXXX XXXX as well? The Balance was {$0.00} on the XX/XX/XXXX. I have attempted to resolve the matter with XXXX XXXX and Equifax as inaccurate information have been displayed on my behalf via my Credit Reports. Thank you for your assistance
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (TX)

Submitted a dispute letter regarding inquires on my report that I do not recognize or authorized XX/XX/2022. I have not received a response. Letter was submitted with other dispute letters regarding my address and Public Records.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (LA)

In XX/XX/XXXX I was notified that my monthly payment was increasing from {$520.00} monthly to {$940.00} per month. The increase was intended to escrow for homeowners insurance. I forwarded a copy of my declaration page as well as confirmed with the insurance department that all insurance cost has been paid by me. We agreed that the account should only be escrowed for taxes. Ocwen proceeded to increase the monthly payment. In XX/XX/XXXX I attempted to make the XX/XX/XXXX payment and was unable to do so because it was less than the amount required. I subsequently attempted to contact the identified relationship specialist who has never been available. I have had to speak with 3 other individuals. On XX/XX/XXXX a request to the escrow department was made to opened workflow process. I was told that the process would take 10 business days. A followup appointment was made for XX/XX/XXXX at which time I spoke to another specialist who informed me the workflow process had not been completed. On XX/XX/XXXX I called again spoke to different person who informed me the process had been complete and it had been determined that Ocwen would pay the insurance despite all of the evidence showing they had not paid it in the past 3 years therefore there was no basis for making changes in the escrow amount. I was told that I should faxed them a letter stating my preference to continue paying my homeowners insurance ( which I am doing today ). I have been force to make a payment to avoid being 90 days past due. I have explained to each representative that I can not afford this $ XXXX monthly payment and no one seems to know how to communicate within the Ocwen organization to resolve this issue.
Consumer complaint received 2024-02-19
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of 2021 I bought the car I had been leasing and obtained a loan from Chase. I submitted my paperwork, notarized, and have been making monthly payments on time every month since. 

In XXXX, I realized I did not have a title issued to me. I contacted Chase to find out what was happening and I was told I would have the title issued to me by the XXXX of XXXX. 

That date came and went. I have been in touch with the company weekly by phone and three times via their website to try to resolve the issue. I have received no timeline for the issuing of this document, nor any updates about what is happening that is taking so long. I have been issued verbal and email statement declaring me a valued customer, but the steps that have been laid out to me by the customer service representatives have not been followed through on in any way. It has been 7 months. 

At the beginning of the summer I had an offer to buy the car for {$4000.00} more than what I owed on it. I have XXXX children in college and another in high school and I was counting on this money to help pay bills. Instead, I remain title-less and unable to exercise my right to sell the vehicle. 

I would appreciate your assistance in motivating the company to produce the document required, and/or to begin the process again by completely re-doing the paperwork.
Consumer complaint received 2017-10-02
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: EQUIFAX, INC. (TN)

I have contacted Equifax about unauthorized credit inquiries on my credit report and they refuse to assist me with resolving my issue. The following are placed on my report and are unauthorized. 

XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX T : 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 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
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Several months ago I tried to use my card-it was declined. This is puzzling as they are automatically sent not less than {$50.00} and usually {$100.00}. There have been no gaps in payment.
Consumer complaint received 2024-02-19
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. (CA)

I want fraudulent account deleted from my credit report immediately. This account along with other accounts have been reported/disputed numerous times and my rights under the FCRA are being violated. I am a victim of identity theft and I have provided all necessary paperwork including id theft reports from required government entities, and I have also provided all necessary identification documents. Delete immediately and provide written proof of deletion as well. I will be filing civil lawsuit against all entities involved including the original creditor, the collection agency who purchased the illegal debt, and all the credit bureaus who publish this illegal debt
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (CA)

Enhanced recovery is failing to respond to my correspondence. I have mailed them several times inquiring about their account they are reporting on my credit. When I satisfied the balance in 2020 I clearly remember the representative stating that they would delete this account from my credit. Now Enhanced Recovery ghosted me after they took my money. Please delete this account from my credit.
Consumer complaint received 2021-09-10
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: CITIZENS FINANCIAL GROUP, INC. (IN)

On XXXX! XXXX Citizen Bank reported a hard inquiry on my credit report but I have not given them my personal information to apply for or obtain any assistance with a loan, credit, account or credit cards.
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Fusion Auto Finance (NY)

I applied for financing thru my Credit Union ( XXXX  ) and was approved I then informed the leasing agent ( Fusion/XXXX  ) that I was approved for a loan by Affinity and explained the next steps I would need to continue to buy out my lease. Fusion told me if I go that route I would be charged fees due to the length it would take to process the buy out not going directly thru them. 
Fusion gave me the lease buy out letter. 
I then fwd the buy out as per the request from XXXX  I gave XXXX  a call a few days later and was told that Fusion was refusing to accept checks to buy out leases ( while charging extending lease fees ) from XXXX  directly anymore and they were going to have a meeting ( XXXX  and Fusion ) to discuss this. 
I gave XXXX a call a week later and was told to deal with Fusion directly.
Consumer complaint received 2018-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was in a 3 year vehicle lease agreement with the creditor, which I paid off 100 % in a balloon payment at the start of the lease. I turned in the vehicle in XX/XX/XXXX. According to the creditor 's policy the {$590.00} fee is waived if a customer buys or orders another XXXX XXXX. I spoke with XXXX XXXX ( " Salesman '' ) at XXXX XXXX of XXXX ( " Dealer '' ) in XX/XX/XXXX and placed an order for a new car. XXXX contacted me a few weeks later to let me know that this model is now UNAVAILABLE in Diesel. He also said that the dealership would " take care '' of the {$590.00} fee with the creditor as it was not my fault this the manufacturer could not deliver the vehicle I ordered. 

In XX/XX/XXXX the creditor started sending me letters and calling me about me needing to pay them {$590.00}. I explained to them what happened, however they refused to talk to the dealer about it. They also offered that if I paid them {$300.00}, they will be good with that. 

I first contacted TransUnion on XX/XX/XXXX after I saw an adverse account with an outstanding balance of {$590.00} on my report. They delivered the dispute results on XX/XX/XXXX, however nothing changed and this adverse charge was not removed. I initiated a second dispute that same day. TransUnion came back in XXXX of XXXX and nothing changed then either. 

Before TransUnion started reporting this, my credit score was in XXXX. Afterwards, it dropped to XXXX. I have always had an exceptional credit and credit score, and this item has negatively affected my life in more ways than one.
Consumer complaint received 2022-01-06
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: Exeter Finance, LLC. (TX)

I sent in letters to remove inaccurate credit information With the help of The Federal Trade Commission enforcing The Fair Credit Reporting Act ( FCRA ), which promotes the accuracy of information in the files of the nations credit reporting agencies, we have the power to challenge every questionable negative item on your behalf. 


we challenged on XX/XX/2021
Consumer complaint received 2024-02-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NC)

Overview : I contacted Ally to try to get information about what appeared to be a smaller interest payment than I expected on an IRA CD, and, after several contacts with their people, when I was given assurances that I would get an explanation within a few days, I have still not gotten any feedback. 
Details : After receiving a 1099 from Ally for my IRA CD, I noticed that the interest paid on the CD seemed lower than what I expected. On XX/XX/XXXX, I called Customer Service ( XXXX ) and asked about the difference in interest. She spoke to someone in Deposit Operations, assigned a Case Number, and indicated they would email me a spreadsheet showing the calculation. I was told to call them back if I had any further questions after receiving the spreadsheet, and the Case Number would help in getting any questions answered. On XXXX XXXX, I received the spreadsheet, which showed interest calculated to be several dollars greater than what was posted to the account. In addition, I calculated the expected interest using the published XXXX for the account, and that number was almost {$9.00} greater that the interest posted. I called back on XXXX XXXX and spoke to XXXX to ask about the differences in interest ( posted amount vs. Allys calculation per the spreadsheet and vs. the XXXX  number ), and I was told Id get a call back within 1-2 business days from someone in the IRA Dept . who would answer my question. When I didnt get a call back by XX/XX/XXXX, I again called ( spoke to XXXX XXXX and was told someone was assigned to the Case, and I would get a call back the next day. On XXXX XXXX I received a call from XXXX, who was checking whether I was satisfied with the service provided by XXXX, and I told him I had been expecting a follow-up from someone, but had not received it. He checked the file and found that the person who was supposed to handle it ( XXXX XXXX was unable to do so, and XXXX was now assigned the case, and it would require 3-5 days to respond. I told him I was disappointed in the run-around I was getting, and I would like to speak to his supervisor. The Supervisor ( XXXX, in Executive Customer Relations ) told me the case was escalated and Id get a response within 3-5 days. He was willing to call me at XXXX on XX/XX/XXXX to advise me of status. XXXX called on XX/XX/XXXX, checked with the IRA Dept, and indicated someone would call back later that day. I have still not gotten a response. 

In addition, when I checked an online website ( XXXX ) regarding daily interest to achieve the XXXX advertised for the account ( 2.40 % ), it indicated a daily interest of 2.37173 %, not the 2.32402 % used in Allys calculation. 

I am disappointed in Allys poor customer service and failure to answer what seems to be a reasonable question. Hopefully filing this complaint will encourage them to provide a response.
Consumer complaint received 2018-06-07
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: Experian Information Solutions Inc. (NY)

I have repeatedly sent letters of dispute via certified mail regarding a XXXX account that is not mine to both Experian and collection agency responsible for the account. I have also contacted the original creditor directly by phone which then sends me back to the collection agency. I have repeatedly asked for validation of the debt that is NOT MINE, and have still till this day received no proof from anyone. After months of disregard by these agencies I have finally received a letter from the collection agency that holds the account ( XXXX XXXX ) that I do not owe this debt and has been closed which I will attach to this complaint. I have sent this letter to Experian to remove this account from my credit report and yet they still will not comply even with proof that I do not owe this debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. By Experian not removing this account from my credit report, it is hurting my ability to obtain credit and will be rightfully sued for this false information if this complaint does not help. Please advise I am at a loss of patience with this company ( Experian ). This whole situation does not make any sense. In conclusion, I sent Experian the proof that this account doesn't belong to me and yet they still respond that I owe the debt with XXXX who then tells me I owe XXXX XXXX who then tells me I no longer owe the debt. Can you see the vicious circle here? This is crazy and I do not see any other recourse then to file suet with this company. Please help. Thank you.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$17000.00}.