davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I contacted Nissan XXXX and hit for COVID-I informed Nissan that i got laid off from my job struggling to make payments and have been charged over {$250.00} in late payments for the past year during the Pandemic. Nissan rep said he couldnt remove any late fees. He did say on XX/XX/2021 that they could change my due date from the XXXX to the XXXX. He couldnt make the change until I made my next payment and to call once I made pmt. I have made my XXXX payment and called today XX/XX/2021 spoke with XXXX # XXXX, supervisor as she admitted to and said it was a mistake and we cant change the due date because I used it up, whether I did or not, I informed XXXX that you promised to change my pmt date regardless, and if its your mistake, you need to honor as she refused to change due date. I asked for her superior and spoke with XXXX XXXX as she as well refused to change due date. 
CFPB question, This lender can say anything and lie to me and come back to say it was a mistake? Do I not have rights. Nissan should be held accountable for their actions as they clearly stated and admitted to. If they make mistakes they just say Oh I made a mistake?

Not only did they lie to me, they refused to assist during COVID and refused to approve me for any programs. 
They need to remove this recording from their XXXX if they do not assist during COVID, as they are illegally advertising assistance for those affected with COVID loss of job.
Consumer complaint received 2018-12-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (IL)

William 's and Fudge, Inc has made several attempts to collect debt that they can not verify. I have asked for verification of debt proving I am responsible for the debt. It has not been confirmed in the mean time the company proceeds to charge me fees and ignore my requests stating I never asked for validation of debt even though I did and can prove it.
Consumer complaint received 2022-07-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-12-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (FL)

This company has failed to provide any information in regards to the method of validation as requested during the dispute process to include original contracts, proof they are authorized to collect, an itemized breakdown of payment history, how interest is accrued and where I agreed to such charges, how much they paid for the account, etc. Instead they are using predatory collecting practices to collect this invalidated debt by reporting to the credit agencies on a bi-weekly basis ( severely damaging my credit ), checking my credit report on a monthly basis ( unauthorized by me ), reporting the collection as an open account, and charging an astronomical amount of interest to the unverified account to the tune of almost $ XXXX in the last year alone. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt they claim is owned and that request has gone ignored.
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

When I refinanced my new construction home, the XXXX tax assessments had not been released and my lender used estimated values. These values were over estimated so that the payment at closing paid both the XX/XX/XXXX and XX/XX/XXXX installments. In addition, to paying the tax year in full, there was an overpayment returned to the settlement agent. 

I have submitted documentation ( attached ) from the county tax assessor and treasurer several times to my mortgage servicer and have asked that they update their escrow lines and perform an escrow analysis ( XXXX e-mail requests and XXXX phone calls ). The escrow lines were updated incorrectly and subsequently returned to the original set up from closing. Based on current assessments and tax rates, the escrow was over-collected at closing and continue to be over-collected on a monthly basis ( in an amount of approximately {$150.00} per month ). 

When I called today to check on my most recent request, the representative advised that they confirmed with the county that the installment in XX/XX/XXXX had not been paid ( though I have provided documentation otherwise ) and that they have completed an escrow analysis that shows the account is in balance. 

Based on the current tax assessment and rates ( XXXX assessment {$36000.00} / Primary Tax Rate ( Per {$100.00} ) {$9.00} / Secondary Tax Rate ( Per {$100.00} ) {$6.00} ), the estimated XXXX tax is {$5900.00} ( {$360.00} * {$9.00} = {$3500.00} ) + ( {$360.00} * XXXX = {$2300.00} ). 

On a monthly basis, the amount being collected for taxes should be {$490.00} vs. the {$640.00} being collected today. The next installment due dates are XX/XX/XXXX and XX/XX/XXXX. 

I realize that because the county does not set the tax rates until XXXX of next year, there may be a shortage due to any increase in rate, as would typically be expected each year.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had an interest free for 12 months promotion on my XXXX XXXX credit card. A payment arrangement was made so that I would make equal payments every month until XXXX of 2018 when my account would have {$100.00} left in it and an autopayment was prescheduled for that amount. Due to the interest free period and autopay nature of this agreement, there should not have been any fees added to this account balance. However, after all autopayments were made on time, in XXXX of 2018, they claimed a {$30.00} fee was added and unpaid and promptly added {$840.00} in interest penalties to an account that should have been at XXXX and closed. I have now been sent to collections with Portfolio Recovery Associates for this large interest charge that was incorrectly added by XXXX. I have disputed this matter with both companies and have been told that it is out of XXXX XXXX  hands and that portfolio recovery associates deny my dispute. This is fraudulent business practices and I will not be paying these interest charges. I would urge anyone considering being a customer of XXXX XXXX to go to any other local electronics dealer where you will find a better deal and less predatory practices.
Consumer complaint received 2024-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FISERV INC. (AZ)

So I lost all my identity documents, so I had to make out a police report. So i've been in the process of ordering all my reports since my Identity Protection Service that I signed up for, showed me that a phone number was listed on a fraud alert, that I did not place. The phone did not even belong to me. So I decided to request all my reports. I have been documenting the date to which I ordered my reports.

So today I got a report that came from telecheck, when I go to looking over the report I notice that last 4 of the social is incorrect. And the last 4 digits of the license number isn't my either. But the report has my Name on it. But I didn't order the report from telecheck. Because when I looked back in my notes, I don't have a date next to them saying when i ordered it. So someone is messing with my information. 

I also want to report that someone has also made a clone of my phone and everything about it including the my number. And I have noticed that my computer is act funny as well and there is web pages and documents that are popping up that doesn't belong to me. So I feel as though someone is intentionally trying to make me out to be a criminal. And it's possibly the same person that has stolen all my Personal identifying documents.

I know for a fact the statement I have made is true because, I came in contact with a person that had one of the phones that keeps popping up as devices signed into my personal account. They have also been changing my personal info about me.

The way I came in contact with this person is because when I ordered a uber. XXXX automatically assigned my pickup location, and it was literally Less then a 10 min walk from my apartment. so instead of cancelling I walked to where it had me being picked up at, I found a guy exactly where i was supposed to be pickup at, sitting. So I make conversation with him and he was waiting for his XXXX. I didn't ask any questions because I didn't want trouble. But I noticed that he is always somewhere while I'm out. So he has been falling me.
Consumer complaint received 2022-07-28
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX 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. My disputes to reinvestigate these accounts came back verified without proper proof of verification. I sent validation letter to these collectors and they failed to respond on my requests to send me a proof that they have the authorize to collect the allege debt. attached copy of the validation letters. USPS tracking number XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

HSBC Bank used to have a decent rewards program, which I used several times to redeem points for travel. Wanting to use it again, I called in XX/XX/XXXX, and was told that XXXX points would give me a {$400.00} credit. I had over XXXX reward points then, and purchased a ticket on XXXX XXXX. ( {$1100.00}, and seats for {$62.00} and {$64.00} ). On XXXX XXXX, I called to redeem XXXX points for an {$800.00} credit. A veritable horror story started then. I was told the rewards program changed at the start of XXXX, and I could not get my credit the same way ( there was one email telling us that it changed, but no indication that redemption ratios also changed ). I spent days calling, getting absolutely nowhere. Later, I emailed and emailed ... a nightmare. I got a final email on XXXX XXXX, telling me that I got some credit for the purchase, and leaving me with about XXXX points ( in the meantime, the seat price was refunded because the flight was cancelled and rescheduled ). I believe that HSBC owes me at least XXXX points still, because - as staff admitted - I should fall under the previous rules, since the purchase was in XXXX ( My initial interactions were with staff in XXXX, from what I gather, and their indifference/incompetence was hard to believe. ) Even with new rules, XXXX points equal at least {$100.00}. I emailed again, but got no response. Please help ...
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NJ)

I was misled in regards to the income-driven repayment plans- for the longest time, when I would call I would be given a forbearance, that wasn't right. I should have been provided an income based repayment plan, I was forced into forbearance which caused my interest to increase when it didn't need to. 
I was also deceived about the requirements for cosigner release - my parents are cosigners and should have been released by now. 
In addition, I was mislead about improving my credit score and how the interest it would effect my credit- it has continued to increase which has caused my credit to decrease. This has put me in a really bad situation when it comes to home buying and moving forward in with my life.
Consumer complaint received 2021-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (FL)

In XX/XX/XXXX, I received a notice from FIRST FEDERAL CREDIT CONTROL XXXX concerning XXXX debts ( {$15.00}, {$15.00} and {$10.00} ), which represent copays that i had already paid to my Dr 's office in XXXX. My primary care physician retired in XX/XX/XXXX, and the practice was sold. Because the amounts were small, I paid them on XXXX XXXX. In XX/XX/XXXX, I tried to apply for a loan, and these charges still appear on my XXXX credit report. I contact FIRST FEDERAL and they sent the attached letters confirming that the debts were paid As of XXXX XXXX, these amounts were AGAIN reported on my XXXX credit report. I can not get them to DELETE them and to STOP reporting this already-paid debt to XXXX
Consumer complaint received 2021-12-07
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. (MI)

So upon checking my credit and going over my credit reports I found out that their was a bankruputct reporting on my credit report. When I saw that this was on my credit report Itook action and ask the Credit Brueas to remove this off of my credit report. They respose to me was it was verfied. How can they just say that it was verfied when I never gave them permission to verfiy it. 

The Bankruptcy is Dated on my report as XX/XX/2018. 

I have asked them numerous of time to remove this.This harming me and my kids by me being the sole provider. I am unable to get the job that I need. 

Per 15 USC 1681k ( 2 ) and 15 USC 1681 ( c ) them reporting this information is wrong.
Consumer complaint received 2021-12-07
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. (MI)

So upon checking my credit and going over my credit reports I found out that their was a bankruputct reporting on my credit report. When I saw that this was on my credit report Itook action and ask the Credit Brueas to remove this off of my credit report. They respose to me was it was verfied. How can they just say that it was verfied when I never gave them permission to verfiy it. 

The Bankruptcy is Dated on my report as XX/XX/2018. 

I have asked them numerous of time to remove this.This harming me and my kids by me being the sole provider. I am unable to get the job that I need. 

Per 15 USC 1681k ( 2 ) and 15 USC 1681 ( c ) them reporting this information is wrong.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s )  to do so, that you annul and and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
Consumer complaint received 2022-07-28
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. (GA)

In XX/XX/2022, I was the victim of identity theft. In each of the XXXX credit reporting agencies there are multiple hard inquiries shown on my account in XX/XX/2022 that were due to identity theft. None of the hard inquiries shown during that month in these credit reporting agencies belong to me. I spoke to each of these agencies but it is not clear how the hard inquiries will be removed. In the case of XXXX I was assured they would be removed within 72 hours. However, in the case of TransUnion they were not willing to assure me they would be removed nor would they send me in writing the procedure I needed to follow to get them removed. I have yet to discuss this issue with XXXX.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

The bank account was a linked bank account that was accessed by a scammer who got all the online banking information. And once they were in the account they authorized a payment through a third party app called XXXX for all the money that was in my account. The bank then locked the account and only deposits were allowed to be made. The bank said once the transactions are done pending that we could despite the claim and get the money back. Well we got the money back but the scammer once again took the money out both of the accounts.
Consumer complaint received 2021-12-07
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. (NY)

To Whom It May Concern, Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2024-09-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (KY)

XXXX XXXX XXXX  are still not working. This is even after receiving email from XXXX XXXX that first XXXX card are now active. These cards are still getting declined. I either need these XXXX cards replaced or a check for these cards. 

Please send to XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX Attaching documentation including receipts. id, proof of address sent via email already XXXX XXXX  at XXXX are XXXX and XXXX
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Account # XXXXXXXX XXXX XXXX XXXX, Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Account XXXXXXXX XXXX XXXX XXXXXXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Accounts XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXXXXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.