davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I entered the XXXX XXXX dealership located at XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX to purchase a vehicle appr. XX/XX/XXXX right before the COVID 19 shutdown. My credit score was in the 600s and I was approved to get a vehicle. The manager, XXXX XXXX, did a bait and switch tactic last minute on a pre-owned vehicle that was sold to me for double the XXXX XXXX price, that is not reliable or operable, without allowing us time to do the research. I started pulling up the information while they were putting together the contract and disputed the car, and they pushed us into the vehicle, stating the reviews about the car were not true. The vehicle that was sold to me was a XXXX XXXX XXXX, and the hydrogen stations are usually non-operable, leaving me without fuel for the vehicle appr. 80 % of the time. When I realized what type of vehicle was sold to me, within 24 hours after purchase I tried to return vehicle to dealership, and the manager ( XXXX XXXX ) refused to accept the car. The car value was approximately XXXX and the bank finaned me for approximately XXXX way over value of car. The car has to constantly be towed to stations, as there are only about 3 hydrogen fuel stations in XXXX County, and they are usually out of service. This leaves me without a vehicle most times, and takes up an entire day to be towed. I have contacted corporate and corporate refuses to accommodate me, and instruct me to make payments on the vehicle anyway- they do not care if the car operates or functions efficiently. The management at the XXXX dealership, XXXX XXXX, seems to be participating in an insurance scheme on the car- as one incident several guys in a car came up to me in a vehicle at the station it was towed to and asked if I wanted to do a total loss on the car with their auto shop- insurance fraud scheme, and stated they knew XXXX XXXX at XXXX XXXX . I refused their advances and they would not leave us alone until we left. I am not sure what else to do but we are in a XXXX auto contract with a vehicle that is not reliable, the fuel stations do not work or exist over 80 % of the time. This car has left us stuck on the side of the road, having to be towed, and paying for XXXX or XXXX about every two to three weeks since it was purchased in XX/XX/XXXX. There are many complaints about this car that can be found online, another concern is the price they financed thr car for, recently the management quoted my car at XXXX trade in value, of which was sold to us at XXXX!! I am not sure what are my next steps, as I have contacted a few attorneys as well.
Consumer complaint received 2021-05-06
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

When my car got totaled in XX/XX/XXXX, I had gap insurance to pay for the balance. I called the loan company in XXXX, Nissan Motor Acceptance Corporation ( NMAC ), to ensure that all had been paid off. They informed me that it was and a check would be mailed for the balance. I asked them if they were sure that I was supposed to receive a check because the gap insurance was only supposed to cover the car and nothing extra. They assured me the check was meant for me. They mailed out the check on XX/XX/XXXX. On XX/XX/XXXX, I cashed the check and placed the money into my savings account. 
Fast forward to XX/XX/XXXX. I received a letter from NMAC stating that I owed them the balance of the check they sent me because they had credited the wrong account for the balance. Upon receiving the letter, I had the balance paid off within a week ( XX/XX/XXXX ). I called NMAC to ensure that there would not be anything negative on my credit report due to the interaction and they said there shouldnt be. When I got the update my credit report showed a past due balance, I called them back and they said they would submit my claim and information to their credit reporting team. I could not speak to them personally, but it was decided that because I had not made a payment - due to having a {$0.00} balance up until XXXX when they reversed the check, I was still late. They back dated the account on their end so that they could cover up sending out the check to the wrong person. But, you cant back date a credit report that updated monthly. I asked why they had not called me immediately upon reversing the check and they said that they had but I didnt have a voicemail setup ( false information because Ive always had one and there were no missed calls from them at any point either ). I even had to pay more than the original check because they included other fees on the payoff. I also did not receive any emails about the issue, which would have resulted in it being paid off sooner. They didnt send me any information or update my statements either ( see attached ). You can also see on the documents that there was a {$0.00} balance from XXXX when they reversed the original {$1600.00} credit. 

I just spoke with a customer service representative and they shared the more detailed documents with me. Can show proof it came from them if required. 

I tried placing a claim with Transunion and Experian but they sided with NMAC.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

When I went to XXXX my mom {$20.00} dollars on the XXXX of XXXX it came up with this new stuff I knew it was different but lately Chase has been doing new stuff but my mother didn't get it so by 1 hour zi call Chase they said wait a couple of hours it a send back ( lie ) as usual so around XXXX that is now XXXX I sent my mom another {$20.00} she got that instantly so XXXX something I call Chase again they said give it a couple of days and U a get it back in ur account ( lying again ) nothing on Saturday I get an email saying they stop payment on the check so this morning Monday the XXXX I call Chase ( again 3rd time ) oh it's stop paying on the check you have to wait 5 to 7 days now on top of the the other times I been waiting mine you this happened on the XXXX they tell lies after lie at this darn Bank and I'm sick of it!!
Consumer complaint received 2023-01-18
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

after this incident I no longer have peace there are many calls with offensive words that I am receiving daily I received many threats I am afraid to go out on the street because of these threats
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-05-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

I entered a lease on XX/XX/XXXX with XXXX XXXX for a new XXXX XXXX XXXX XXXX. After the initial few months of the lease, I set up an autopayment and had an issue on my end. In XXXX, I cancelled the autopay to attempt to fix the issue. Around that time in XXXX, I was charged a {$35.00} late fee for not paying on time. I don't dispute that. I'm not sure of correct date as XXXX XXXX has never sent me a statement or emailed me a statement since XX/XX/XXXX. I contacted them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with my correct address and email and still have received no statements from Chrysler Capital. I again confirmed an address, and changed one, in XX/XX/XXXX again, to receive a statement and end of vehicle turn in instructions. I still have not received anything from them. I was continually charged a late fee monthly for {$35.00} for 9 more months post XX/XX/XXXX. I was never made aware of the first late fee because I received zero correspondence from Chrysler notifying me. I was charged late fees in the amount of $ XXXX ( XXXX x {$35.00} XXXX. They refunded half. I requested they refund four more ( {$140.00} ) as I don't believe they are valid since they didn't follow consumer law and their obligations in notifying me of the original late fee to rectify. While Chrysler says they are following the terms of contract in charging late fees, that maybe correct, however they are choosing to neglect their own contract and consumer law by not notifying me of any late fees and not sending me any statement whatsoever in almost 3 years. In fact, I learned of the late fees when I had to contact them in XX/XX/XXXX to ask why I have not received any correspondence on vehicle turn in and statements.They had my email address form vehicle signing and my wife 's, as well as my phone number and my wife 's and as well as 2 valid home addresses. They chose not to contact me at all through required communication and no statements! This would have been cleared up after the first instance if they had followed the law. I ask that you require them to remove {$140.00} from my account statement and any related reports to the credit bureaus. I would attach records or files, however per the above, I still have not received any statements showing the late fees.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

In XXXX, I lost a full-time job due to covid. I called my mortgage company to asked if there was any type of assistance, they could help me with. They explained to me about a forbearance plan. They stated the number of missed payments while on forbearance would go to the back of the loan. At the end of the forbearance, I was still not back to work at my second full-time job. I asked if I could get an extension, they advised I would not be able to get an extension, but they could do a modification with an interest rate of 3.0 making mortgage payments drop to {$1400.00} from {$1700.00}, I agreed. All paperwork was sent out in XX/XX/XXXX and was signed and notarized. I made my first payment of {$1400.00} in XXXX. When I went online to make my XXXX payment, it did not allow me to do. I called PennyMac and they advised the first modification was no good due to system error with escrow payments. They advised I would have to have a 3.2 interest rate with a mortgage payment of {$1500.00} having to make the difference to the XXXX payment and XXXX payment right now. At this time, I did not have any extra money and was in a process of a divorce. I advised PennyMac I did not have any additional funds. They stated if I did not agree to this new modification, I had to pay nineteen missed forbearance payments NOW which was around {$33000.00}. They said the only other thing they could offer me was to skip XXXX, XXXX and XXXX payment with a higher mortgage. I had to agree, I had no additional funds at this time. The second paperwork came in the mail, but this time it had my spouses name on the form for him to sign and get notarized, my husband was no longer in the home and would not agree to signing the paperwork. My husband was not on the mortgage only the deed and title. I was told he did not have to acknowledge the modification, because he was not on mortgage. The first modification that came out in XX/XX/XXXX my husband 's name was not on it. I called PennyMac almost every day trying to figure out what I could do. They pretty told me nothing. They advised if my husband didn't sign the documentation my account would go into foreclosure. I was able to get spouse to sign name of the deed and title in exchange for no spousal support. At this time my new modification went from a 3.0 % interest rate to a 3.75 interest rate. The first time I agreed for the modification was what I could afford, I felt like this was a setup to have me lose my home. This is no fault of mine that the escrow payments were not taking out correctly, now I'm left with a higher mortgage and higher interest rate, this is a struggle to pay. I had to agree to the second modification, but no paperwork was signed or notarized, I'm trying to see if there's an assistance program with mortgage and if PennyMac can change the terms on the loan after the first modification paperwork was finalized and payment was made.
Consumer complaint received 2017-12-24
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)

I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. The accounts are fraudulent and dont belong to me.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a savings account with Capital one. On XX/XX/XXXX, I initiated an ACH transfer of {$88000.00} to my spouse 's account, and the transfer was returned. On XX/XX/XXXX, Capital one initiated a withdrawal of {$88000.00} without my approval or authorization. When I called Capital one customer service, they informed me that my account was already closed, and they refused to tell me the reason and where did the {$88000.00} go. I went to the closest Capital one branch by me ( XXXX XXXX, XXXX, NJ XXXX ) XXXX times, they told me that my account was red flagged and under fraud investigation. Capital one is currently holding my {$88000.00}, and can not tell me when will they give me back my money. The {$88000.00} is originally a transfer from my own XXXX XXXX savings account, originated from my and my husband 's direct deposit salary.
Consumer complaint received 2021-05-06
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: LEXISNEXIS (MI)

Bankruptcy courts do not report to your credit report I froze my credit I sent information and the bankruptcy need to be removed I also sent my address my name my Social Security card my birthday they still are reporting other names of the addresses it need to be removed
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

I have an auto loan with GM FINANCIAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called GM FINANCIAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and GM FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never late.
Consumer complaint received 2017-12-21
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. (FL)

My credit reports with XXXX, XXXX and experian show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: Comerica (MI)

On XXXX. XXXX, 2021, I received a check from XXXX XXXX 's service center in the amount of {$100.00} as refund. Their check no. XXXX was written on Comerica Bank. I took the check to the Comerica Bank branch located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2021 to cash it. I was asked if I had an account with their bank ; I said " no. '' I was told I would be charged a {$10.00} fee. I was told I could take it to my financial institution for cashing and I replied, " How do you know I have one? '' I was told all banks require this fee, even if the check is written on the institution presented the check for cashing. I asked do I receive a receipt for the fee paid? The teller said no. I agreed to pay the fee and received {$99.00} and asked for a business card. The card received had the following information : XXXX XXXX, Asst. Banking Center Manager, XXXX. 

How is it possibly legal and acceptable for this practice to occur?
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My credit reports with XXXX, equifax and XXXX show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXXXXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.
Consumer complaint received 2017-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NY)

I have been dealing with the negative marks about this creditor. I have sent letters asking to substantiate this debt. All the letters, phone calls, have not furnished proof of debt that is allleged. Yet they continue to leave the derogatory marks on my record, with no proof of such debt
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ID)

Account XXXX XXXX  XXXX XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.