davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (GA)

I have called the company nationwide recovery system sever times. telling them this is not me. they asked me to show proof then they would take off credit report which I sent in my identity fraud papers on XX/XX/2022. 
They claim never received the mail. so, I fax in the papers to them I received the paper from the fax machine stated that nationwide recovery system received it. then a guy by the name of XXXX  [ over my claim ] would pick up the phone and hang it up after three times I spoke with somebody in customer services and then he proceeds to get on the phone saying I don't know if we have it or not after he gave me the fax number to send the information. I then asked could I speak with a manager he then says I am a manager. I knew he was lying about been a manager so I say I am recording you lying saying you are a manager he started getting very anger saying you can't record me, but I can record you! 
I proceed in asked him server times are you a manager he would no longer answer any of my questions.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (WI)

Citibank has refused to correct entries in my XXXX credit report incorrectly reporting that my CITI Dividend MasterCard ( Account Number beginning XXXX XXXX XXXX ) is an Adverse Account, with a Maximum Delinquency of 30 days in XX/XX/XXXX. I had no such delinquency. I sent a fax and two letters, with documentary proof ( account statements ), asking Citibank to correct my XXXX report. The fax was sent on XX/XX/XXXX. The first of my two letters was sent on XX/XX/XXXX ; the second, a follow up letter requested by Citibank, was sent on XX/XX/XXXX. Citibank ignored my documentation, which clearly shows I had no delinquency in XX/XX/XXXX because nothing was due on my account for that month ( or for any preceding month from XX/XX/XXXX onward ). Citibank stated in its final letter to me, dated XX/XX/XXXX, that the information in [ my ] credit report is correct. 

Copies of monthly statements for my account, from XXXX back to XX/XX/XXXX, included in my XX/XX/XXXX letter to Citibank, fully demonstrate Citibanks error. Each statement shows a XXXX-balance requiring no payment. Because no payment was due, there was never a delinquency. I have attached to this complaint copies of all my correspondence with Citibank, including copies of the relevant account statements. The account statements were marked Appendix A-1 through Appendix A-4 to my AFFIDAVIT SUPPORTING MY REQUEST TO CORRECT ERROR IN XXXX REPORT, sworn to XX/XX/XXXX, which was enclosed in my XX/XX/XXXX letter to Citibank. 

I respectfully request the incorrect entries in my XXXX report be corrected to show I have no delinquency for the account in question. My perfect credit payment history will thus be restored.
Consumer complaint received 2020-11-28
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. (AZ)

the are numerous mistakes on my trans union report and I tried to dispute and get it corrected 2 months ago with no letter mailed back to me at all. There are too many inaccurate items from status wrong to never being late to accounts that are not mine and not in bankruptcy and I never had a chapter XXXX or XXXX see attached letter for a complete list on items
Consumer complaint received 2022-08-02
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Auto loan was paid in full on XX/XX/XXXX. 
Nissan Motor Acceptance confirmed receipt of payment in full via letter dated XX/XX/XXXX. Lender has not provided us with clear title, nor have they successfully submitted electronic release to XXXX XXXX within the required 15 days. My escalated case reference number is # XXXX. I have called numerous times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ), and have spoken to numerous Nissan employees including supervisors, including the corporate office. 
Each of them have given me a different story as to why I do not have clear title. Some of them blame XXXX XXXX XXXXme blame their title department, some tell me to call back in a few days, all of them contradict the other. The corporate office even gave me the phone number to the title department, which was a non working number! I can not get anywhere with these people. I need clear title for our vehicle as we are trying to sell the vehicle. Here is the list of dates and names of Nissan employees that I have spoken with : XX/XX/XXXX : Chatting online with XXXX, was then put on the callback list, never got a call back XX/XX/XXXX : XXXX then to supervisor XXXX, then sent to XXXX at Corporate office who gave me non-working phone number to Title dept. at Nissan Motor Acceptance XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX then to supervisor XXXX I need my clear title that they are holding illegally.
Consumer complaint received 2020-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation (VA)

I was contacted by Virginia taxation about a taxation debt. I called they redirect me to a collection agency. i contacted the collection agency paid XXXX out front. the agency gave a monthly amount to pay, which i agreed. I receive a letter from the collection agency and the total amount they stated I owed is 2X higher what I actually owed to Virginia taxation. In addition, virginia taxation is applying all my refubds to the mount owed.
Consumer complaint received 2023-12-07
Product: Credit reporting 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. (OH)

EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. said company had 4 days according to the LAW to remove such items. FTC fraud report was on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquire was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an e oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2021-03-26
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. (NJ)

Sent a dispute letter to experian, also called them on XXXX, asked them to reinvestigate a few inquiries and accounts on my credit report that arent mine. I reported these accounts as fraud in past, each time Experian reports them as verified. They also took 38 days to complete investigation, never mailed me the results, nor did they provide their source for the investigation. They claim I have a bankruptcy on my credit file, which isnt mine, they did not verify it with the court, they used a 3rd party agency. I request they remove all errors off my report that I have previously reported
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Hi, I need to add documentation to complaint # XXXX. 

Please help me with this issue. Today XX/XX/2020 I received a letter from Nissan Motor Acceptance Company ( See attached file named NMAC_Letter_091020 ). This letter states that they are unable to locate my account information, and that without more information they would be unable to make any changes to my account. I have attached a letter which I have sent multiple times to NMAC which includes my account information, as well as the VIN number of my vehicle. This is a direct example of harassment by NMAC and I need help to resolve this issue. All I am asking them to do is repair the mistake they made by falsely reporting my account as delinquent to the credit reporting agencies. I am struggling to find housing due to the delinquency on my account and I NEED HELP.

Attached is the letter form Nissan, a copy of the letter I have sent to Nissan multiple times, and proof of delivery via registered mail.
Consumer complaint received 2020-09-16
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. (CA)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX serviced by XXXX XXXX XXXX XXXX is unable to confirm my account or its reporting to Experian. Because this account is reporting incorrectly and the servicer is unable to locate Experian needs to remove the information from my credit report.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (SC)

I paid off my onemain account on XX/XX/2020. I recieved all documents ( title, contract, and verification letter that account is paid off ). I sent a Certified letter to XXXX  in XX/XX/2020 notifying that my account is still opened and request to close my account. They did an investigation. On today a customer representative from onemain credit department said they just verified the information back in XXXX. On XX/XX/2020, onemain reported missed payments on a closed account to XXXX. I sent 1 Certified letter with documentation showing proof of my account is closed to onemain. They didn't do anything. Per our conversation on XX/XX/2020, she said she received the second letter in May then she lied and said that they received the letter on yesterday. I told her that I can take them to court for posting missed payments on a closed account. I told her that I want the account removed and want my points back. She said that they go by the order that they received it. Please listen to the conversation because they recorded it.
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

This is the Fifth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB  financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB   financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All State Credit Bureau, Inc. (MI)

I have sent the attached documents to verify debt. Creditor has not provided. Also sent attached letter to all credit bureaus and XXXX has been the only one to fail to respond and take action. Allstate  never followed Fair Credit guidelines. Still not following.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Greetings, I hope all is well during these unprecedented times. I submitted a dispute letter concerning inaccuracies on my report on XX/XX/2020. I did not receive acknowledgement on the matter. To my understanding the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. The inaccuracies on my credit report are severely effecting my credit score. I understand we are in difficult times but these inaccuracies must be corrected. Thank you & God Speed.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2020 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency.

A recent careful review of my credit report reviewed my credit report revealed this has not been done. There are several old items on my report that I demand you remove at once in order to comply with the FCC.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2020 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TX)

I have been a very loyal customer to XXXX for many years and having purchased, leased many phones going back about ten years. On XX/XX/2020, I called XXXX customer service and inquired about what I had to pay on the lease phone to close out the lease payment on the phone, a XXXX XXXX XXXX, and was told by a female representative, that {$290.00} was the final payment, calculated at {$25.00} per month. Please check the phone recording. What happened to my account being paid in full? I called in XX/XX/2020, and was told I still owed a {$200.00} balance, which was a different story. I never really got a bill from XXXX, which solidified that I owed nothing, but yet they sent me to a collection agency with attempts to ruin my credit, stating a balance owed was left. This is fraud and deceptive business practices. When I paid off the bill of {$290.00} in XXXX, that was a contractual agreement that the bill was paid in full and I owe nothing.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TN)

I havent received my Way2Go card in the mail yet and already submitted an other complaint and they resolved it by sending me another card that will be here tomorrow but I was wondering if I could get you all to rather just take the balance thats on my Way2Go card and deposit it into my direct deposit account
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HomeLight, Inc. (CO)

We closed on our home on XX/XX/2021 with EAVE, dba Homelight Home Loans. They subsequently sold our loan to XXXX XXXX approximately one month later. 

On XX/XX/2021 EAVE, dba Homelight Home Loans pulled an unauthorized credit report on my wife and myself.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have reached out by letter and phone to the credit reporting agencies about updating my personal information. and so far they have not complied, there are still addresses and names that shouldn't be on there, and I fear my identity has been compromised because of it.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

I am disputing charges on my US bank credit card and debit card. 

I followed the appropriate channels and have even contacted the merchant to try to resolve the dispute with them directly. I am disputing the charges on my card for two reasons : one the services were not fully rendered and secondly for bad service. 

I provided all the documentation to US Bank to show that they did not perform half of the services in the package and included the email correspondence to show that I have tried working with the merchant to get a refund.
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (CA)

I called Flagship Credit Acceptance to request a payment due date change from the XXXX of the month to the XXXX to correlate with my payday. I was not accommodate and my car payment became past-due and I was charged {$900.00} in late fee .Also, The late payment was reported on my credit report. I was told the late fee would be push to the end of the loan and that has not happened. I have called several time regarding this matter and have not received any help.