davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XXXX XX/XX/XXXX I was involved in a vehicle accident that totaled my XXXX XXXX Infinity vehicle I had just purchased in XX/XX/2019. I had a lease on this vehicle and then refinanced it to purchase it at the end of the lease. Because of this, i was not advised or informed by the bank ( Infinity Financial ) I would be losing any gap insurance protections. 

As the car was declared a total loss, my insurance company only paid out approximately {$21000.00} as they claimed that was the value of the car. My loan balance was XXXX, therefore I have a deficiency balance of {$8000.00}. I understand I am responsible for this balance, as tragic and unfair of a situation as this is. 

However, the problem with Infinity Financial is that we had a deal that my monthly car payment would be {$470.00} a month. I have been ONTIME with my payments, even after the car was declared a total loss. They are co-ercing me into paying them the full remaining balance in one lump sum, monies I keep telling them I have no access too. If I had the ability to just write a check for {$8000.00} ... .well I wouldn't be here. 

Everytime I speak to them it's a nightmare. They insult me and threaten me with credit reporting damage and promise me this account will go to collection if not paid in full by XX/XX/XXXX. I don't understand how I'm supposed to come up with $ XXXX However I can still continue to pay {$470.00} a month until I am able to secure a loan for {$8000.00} to pay them off. 

The sad part about this, is I am willing to pay the {$8000.00}. I just need TIME to secure financing from a local credit union here in town that will give me a personal loan to pay off Infiniti Financial. However, there threat of negative credit reporting will completely render me unable to obtain this personal loan as it is a requirement by ANY lender that I have a good credit score to qualify. If Infinity Financial makes good on there threat of ruining my credit, well then I can't possibly borrow money from my credit union to pay them.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/XXXX requesting Transunion to reinvestigate and update this Account from my report during the investigation period. As of this date, the Transunion has failed to respond to my written requests. Transunion must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for the credit card for the purpose of home improvements and was approved for {$18000.00}. On my online profile, it now it shows approx {$4900.00} credit limit. I made attempts to reach out to customer service, however I was not able to reach anyone. I am seeking the reason for this reduction.
Consumer complaint received 2019-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NH)

Re : Specialized Loan Servicing Co., HELOC loan I am paying off a HELOC. The payoff statement that was sent to me is incorrect. The calculated interest due is incorrect. Specialized Loan Servicing is either unwilling or unable to fix the payoff  amount. I have spoken to several representatives who agree that the interest calculation is incorrect, but even after waiting two weeks, I have been unable to get them to send me a new payoff statement. 

Specifically, my Daily Per Diem Interest is 2.8892 %, times 45 days outstanding, = {$130.00} On my payoff statement, the amount is incorrectly calculated as {$180.00} NOTE : if they are incorrectly calculating my interest due they are likely incorrectly calculating other payoff statements as incorrect.
Consumer complaint received 2019-10-15
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. (NC)

In XX/XX/XXXX, I purchased a XXXX XXXX XXXX. I have been paying & XXXX per month for 8 year on the vehicle totaling ( {$66000.00} plus interest ) through a lender called XXXX. 
Dispute requesting assistance from this company to lower my high interest rate so that I could afford to make these payments, the company refused my offer for assistance. 
I was forced to surrender the vehicle in XX/XX/XXXX. XXXX states that I still owe them {$13000.00} more dollars and have place a collection on my credit account which has negatively affected my credit score and future opportunities to acquire credit.
Consumer complaint received 2019-10-11
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-15
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (OK)

In 2011 the Dept of education investigated my complaints XXXX and XXXX against the schools who fraudulently setup loans knowing I never qualified for them and then altered them keeping the money causing me to be evicted and XXXX THREE times. XXXX sent me the closing of those loans and the dept of education is still trying to collect plus charges on loans that were closed. XXXX was in the XXXX XXXX dept when this all happened. I am tired of fighting a situation that is closed because the dept of education can't get their act together a keeps reopening closed loans. Are you people so disorganized that you try to collect illegal loans from poor people like me after the schools ruined my entire life?
Consumer complaint received 2022-07-04
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I received a notification email from Bank of America about an abnormal online transaction. I quickly logged onto my account and found that there had been multiple abnormal transactions between XX/XX/XXXX and XX/XX/XXXX, transferring my money to the same recipient, who I don't know at all. I quickly contacted the fraud department of Bank of America and filed a claim. 

This morning I called the customer service and was told that my claim was denied based on their analysis. While I asked for more details about their analysis, the customer service just told me that the analyst asserted that notification text messages had been sent to my cell-phone regarding all the transactions I claimed for fraud. However, I checked with my mobile service provider and confirmed that there were no text messages from Bank of America notifying me any of those transactions.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (MI)

I closed with XXXX XXXX on a mortgage refinance on XX/XX/21. My initial escrow payment at closure was {$3200.00}. I received a letter on XX/XX/21 that stated my mortgage loan would be transferred from XXXX XXXX, XXXX to XXXX XXXX, XXXX subserviced by ServiceMac LLC. When I looked at my bill online and in the mail, my escrow account only showed {$1100.00}. I have emailed and called dozens of times to XXXX XXXX, XXXX XXXX subserviced by ServiceMac, my Loan Officer, his supervisors, and XXXX XXXX. I have obtained and sent multiple pieces of information documenting the escrow shortage of {$2000.00}. The issue is still not resolved as of XX/XX/21.
Consumer complaint received 2022-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IA)

Same as complaint XXXX. I made transactions and there was dissatisfaction of services. They told me I approved charges and there was nothing that they could do. 

Good thing I wasnt making a complaint about making the charges I was making a complaint about dissatisfaction of service and reclaiming my funds. They did absolutely nothing.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account # XXXX has violated my rights. 

US DEPT ED Account # XXXX has violated my rights. 

US DEPT ED Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 Section 2 : Its Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-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
Consumer complaint received 2022-03-31
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: FIDELITY CAPITAL HOLDINGS, INC (TX)

Fidelity Creditor Service contact XXXX I contact them again because they response was that my ex partner settled this debt but they wont remove from my credit because I need to pay them also. First of all I asked them from details of the debt and they wont provide me with it. They said they have a lease with my signature on it for this rental when clearly my ex partner was the only one on this lease. So if she had settled the debt why is it on my credit still. It shouldnt be on my credit at all in the first place.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I paid off my Victoria Secret credit card in XX/XX/2021. They have 3 options in their app : pay selected amount, pay due balance, and pay off balance. I selected pay due balance, incorrectly believing this would still pay off my card, as there are no explanations for the differences between the last 2 options. I paid my balance, and they did not include the interest in the reflected balance. The next month I had a past due amount of {$2.00} that I never received any notice about owing. They did not call, nor do they have any contact information on their app. I had to XXXX the phone number, and they confirmed that they never called me about the balance and just recorded and reported it as a late payment. My credit score dropped XXXX points because of poorly worded payment options and a {$2.00} interest fee that they failed to communicate with me. This has caused me to not be able to get a mortgage even though before now, Ive never once had a late payment for anything. Commenity bank, who owns the card, was not only not helpful but extremely rude when I finally figured out how to contact them to straighten this out. The Ohio Attorney General recommended I reach out to you to get this resolved. What I would like to have happen is to have the late payment removed from my credit report. I paid the balance the second I learned about it.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Charge XXXX I contacted the company to file a dispute for the amount and the fraud team stated I did the transaction when I never left the house. Wallet was inside my apartment and they stated the special chip shows it wasnt a counterfeit card. They said they can not reopen the case because their evidence shows that I used my credit card. Which is impossible because I never left my apartment.
Consumer complaint received 2019-10-04
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. (CA)

Hi, 3-4 years ago I had a credit card with XXXX XXXX and I recently checked my credit score and I saw something negative report on it from them. I called XXXX XXXX on XX/XX/19. For an hour I spoke to 9 different reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.
Consumer complaint received 2021-05-25
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-10-04
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. (CA)

Hi, 3-4 years ago I had a credit card with XXXX XXXX and I recently checked my credit score and I saw something negative report on it from them. I called XXXX XXXX on XX/XX/19. For an hour I spoke to 9 different  reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (VA)

I have been disputing with a collection agency by the name of Eastern Account System that has reported a bill to the credit reports that is inaccurate. The company was contacted numerous times in writing and by telephone. I have certified letters that were sent to the company dating XX/XX/2019, XXXX  2019, and my third letter will go out tomorrow as that will be another 30 days the company has refused to reply. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Eastern Account System. 

Also, I had informed them that any negative marks found on my credit report XXXX from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Eastern Account System can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.