davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

In XXXX of XXXX I became I'll with XXXX. I was laid off in XX/XX/XXXX when XXXX was shutdown. I then went on unemployment and was taking advantage of Stimulus money to pay my car lease with Infiniti Financial Services until XX/XX/XXXX when benefits were cutoff. After losing 40 lbs I needed food to eat and to get new clothing to obtain a job. 

After receiving stimulus money in XX/XX/XXXX I was surprised to find my online account was suspended when I tried to get current with the lease by making a payment online. The message after I logged in said please call. I called Infiniti Financial Services who was offensively rude to me. They would not allow me to get current on my lease and told me to drop off my car at a dealer. There were no options offered. 

They reported me to credit agencies hurting my credit. This poor credit report is affecting my ability to find a new leasing company. I was told my car was going to be repossessed. I want an offer to keep the car and get current on my account. To take away someones vehicle during a pandemic is cruel and unusual punishment to US consumers who want to keep their vehicles. I am now gainfully employed thankfully after the worst year of my life. 

Please help me compel them to make an offer to keep my vehicle. I have been a customer of XXXX and XXXX for 35 years. I've leased a total of 8 separate vehicles from XXXX ( XXXX ). This is not acceptable behavior towards consumers during these difficult times for Americans. I look forward to resolving this issue with Infiniti Financial and thank the CFPB for helping consumers. I received my XXXX XXXX  dose yesterday. The car was critical in receiving medical care for my long hauler conditions and getting XXXX. 

Thank you, XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/2022 my home was burglarized and all copies of my three children 's social security cards and birth certificates were stolen. We have a police report. 

After speaking with TransUnion over the phone on XX/XX/2022, I was able to put a freeze on my social security number. However, I was informed I needed to send in a copy of each of my children 's social security cards, birth certificates, and a copy of my driver 's license. 

After replacing my children 's social security cards and birth certificates, on XX/XX/2022, I mailed in a copy of each along with a copy of my driver 's license and a cover letter ( cover letter stated the purpose ( The minors need to add protection for their identities ( protected consumer freeze ), each child 's full name, birth date and file number, a list of contents included in the packet ( copies of all three social security cards and birth certificates, a copy of my ( legal guardian 's ) driver 's license, my home address and phone number. 

I mailed the documents TransUnion requested to place the protected consumer freeze on my children 's accounts to XXXX XXXX XXXX XXXX, PA XXXX On XX/XX/XXXX, I received three letters stating my request was unable to be processed due to missing required documents. 

After countless multiple phone calls over multiple days, hours and hours on the phone, speaking to many different TransUnion representatives this is the summary of those phone calls... 

They claimed they did not receive my documents. HOWEVER- Several representatives said they were looking at the copy of my driver 's license and cover letter which was included in the packet of documents I mailed. Obviously, they received the documents!!! The representatives are demanding we send MORE copies of the very documents ( social security cards and birth certificates ) to them again. It is not safe to send more copies of these documents. 

Where are the copies of the social security cards and birth certificates I sent to them on XX/XX/XXXX???? 

What do I need to do in order to get the protected consumer freeze applied to my minor children 's social security numbers??? 

This company is doing everything they can to NOT place the freeze on their accounts. 

I have requested a physical address to visit and bring in the requested documents in person, but am told that is not possible. 

Please help protect my children.
Consumer complaint received 2024-10-21
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting a closed student loan account over 180 days past due. I have had my student loans consolidated and they are reporting in good standing. The open consolidated student loan account ends in XXXX is in good standing. Equifax is reporting an account that ends in XXXX as currently closed but has an active date of XX/XX/XXXX but it's been closed since XX/XX/XXXX and my loans have been consolidated for over a year. There is no history of payments provided either to show I was over 180 days late. 

I have tried submitting a dispute to get the account removed and Equifax commented this account is not currently reporting on my Equifax credit file and it is. It's not been updated nor Equifax didn't investigate this. They are reporting inaccurate information because it's not showing the history of the account and it's clear the account is on my report. 

I have attached my credit report, the letter that I sent to Equifax, and their investigation results.
Consumer complaint received 2021-04-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (VA)

Email received XX/XX/2021 from XXXX Department of Law & Enforcement Legal Notice : Under 18 USC Section 1956-58 : Lawsuit Id XXXX ( Immediate Action Required ) Indicated that I have been blacklisted and that my social security number and banking accounts are under investigation through major credit bureau XXXX. 

Sending court papers to a very old address at which I no longer live. All of the information about current employer/phone number, etc. is not current. 

I was laid off from that employer at the time the debt was incurred.
Consumer complaint received 2021-03-31
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. (FL)

I purchased a used car from XXXX XXXX XXXX  XXXX. I make my payment every XXXX  weeks as stipulated in my contract. The credit bureau shows my monthly payment is {$480.00} each month. The dealer/ in house finance says my payment is {$220.00} every XXXX  weeks. 
I have never missed a payment, The credit report reflects my payments late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. My credit is ruined. I called the Business Manager XXXX XXXX several times, advising him to correct these mistakes. He has done nothing. I wasn't given a XXXXruth In Lending document to break down the interest and finance charges This was never provided.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America is having technical issues where their bill pay is not showing future or past payments. There is no way to see if a payment was scheduled. 

I called XX/XX/XXXX and was on the phone XXXX ( XXXX ) XXXX, XXXX with a representative of Bank of America in South Carolina for 11 minutes. The representative informed me that there were no scheduled payments on the account ending in XXXX. I asked to confirm because I schedule my payments at the beginning of the year. The representative confirmed there were no scheduled payments for XX/XX/XXXX. I scheduled a payment of {$1100.00} to be sent XX/XX/XXXX. 

XX/XX/XXXX I am notified I have a negative balance on the account. I pull it up and {$1100.00} and {$1200.00} had been drawn out f my account. I spend 1hr and 20 minutes on the phone with BOA speaking with 3 different representatives. The final say is BOA cant do anything about and I will sit with a negative account until XXXX decides to credit the money back. If they do not I am stuck with the transaction even though I did not schedule it. All of these problems are stemming from issues with BOA bill pay system. 

I asked BOA to give a temporary credit to the account until they can resolve it with XXXX which they denied. I was also denied contact information to any decision makers in BOA who could actually make a decision to help.
Consumer complaint received 2023-02-18
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. (TX)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX WY XXXX XXXX KY XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/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 ;
Consumer complaint received 2021-05-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (NC)

I've spent so much cash getting my car repaired for the past two months just to find out its a recall on my engine. I ended up losing my job due to this! They are still asking if I can make payments! 
How? I can't even afford a rental because I don't have the {$200.00} deposit! If it didn't require that, I would have been able to afford it! 
I got kids! This is non sense. My car suppose to be fix by next wednesday. XXXX CONFIRMED IT WAS MY ENGINEEEEE! NOT MY FAULT!! 

but i'm so far behind on my car payment its ridiculous! 
It's not even my fault! All the money I spent on my car could have been used towards my car payment now i'm without a job. I certainly don't deserve a repo! The lady who sold me the car told me this was a great car, practically new. I get it! I had it for a year and the engine gone. The company should have known about the recalls because it was back in XXXX. They should have had XXXX inspect before selling!! I was on the highway when it happened. I could have lost control of my vehicle. There's already been a lawsuit in the past. I hate to even take it that far but they need to know what they are selling! My family is affected! I'm the sole provider of XXXX toddlers! A XXXX XXXX XXXX and a XXXX XXXX XXXX who go to daycare! I lost everything!!!
Consumer complaint received 2021-04-21
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)

I have a {$300.00} collection from XXXX by XXXX showing on all three credit reports. I never had a balance with XXXX, yet it is being reported. I have disputed repeatedly to no avail. I have received a letter in the mail from my insurance company proving that I have a XXXX  balance and have always had a XXXX  balance, because my health insurance paid the bill in entirety. XXXX also has a XXXX balance on file for me. 

I feel that if basic due diligence requirements were followed by the three credit reporting agencies, this invalid information would not be on my report. If anyone had taken the time to actually inquire with WellStreet/Beaumont, they would have discovered that I do not, in fact, have a balance owed. 

This collection caused me to be declined for a vehicle and forced me into paying a higher car note. All I've received is a letter saying " we apologize for any inconvenience ''. My financial life has been ruined for 2 years because of a mistake on someone else 's end and someone should pay for this. " we apologize for any inconvenience '' is simply not good enough.
Consumer complaint received 2021-04-21
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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.
Consumer complaint received 2021-03-31
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: Experian Information Solutions Inc. (FL)

XXXX XXXX is showing that I was late on the months of 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have wrote to them to request proof of this late payments no proof was given. 
I think there has been a mistake with someone else because I have not been late on my account on those months. 

I wrote to XXXX XXXX via XXXX and they're stating that the minimum payments due for those months was not received which is also a lie I have always made my payment on time on my account and pay more than the minimum.
Consumer complaint received 2022-09-30
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NE)

see CFPB complaint XXXX The account became past due because of the handling of the termination by Nissan to get to the resolution ( to extend ). I requested that they make sure that there is no negative reflection my credit as a result. Unfortunately, the additional feedback did not resolve the credit reporting, so I filed a dispute through XXXX. 

Upon filing a dispute with Nissan to correct credit reporting they have reported me late for their mishap with handling of my lease termination. I would have never been late, if they had initially accepted to extend my lease and accept payment. As such, I request the late history deleted. My score tracker with my monitoring service is XX/XX/685, XX/XX/686, XX/XX/706, XX/XX/642 XX/XX/657 and XX/XX/629 - since XXXX that's XXXX points down which I'm sure we can attribute to this misreporting that I noted trending downward in XXXX to make the dispute. Also, the car has been turned into the dealer, but they are showing as of XX/XX/30 a balance owing. This makes me really upset that they can not get this right and I'm scheduled to lease from them again all of which this bad service and negative reporting is effective my cost of credit and use of credit.
Consumer complaint received 2022-09-27
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. (GA)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I recently tried to tried to log back into my Capitol One account online so I could reactivate my credit card as I need it for some vehicular purposes. My regular username and password did not work and so I put in other personal information and once I did, the page listed a number that I needed to call to fix the issue. 

I eventually got through to an " operator '' who said that he could handle the issue then asked for my name, date of birth, and social security number, which I naively gave, then he hung up. I googled the number, which is XXXX, and there were a list of complaints of suspected phishing and scam attempts. 

I then called the number on the back of the credit card and put in the 16 digit card number and was immediately transferred to another company and a lady answered, asking for my bank account number and social security, which I then hung up. 

Now I'm a little worried. Even help would be much appreciated. Thank you!
Consumer complaint received 2021-04-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (LA)

This letter is being sent to you in response to a telephone call made to me on XXXX XX/XX/2021 ). Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested. 
This is NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2023-02-18
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : {$40000.00} ; XXXX XXXX XXXX XXXX Balance : {$40000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

MrCopper mortgage company LOAN NUMBER XXXX Borrower : XXXX XXXX We like to file a complaint to Mrcooper on their business conduction. 
1. ) We are still waiting for the overage, with 3 attempts to them and no responses. 
2. ) We applied for bi-monthly payment and noticed the extra payment is sitting in Unapplied Funds. 
3. ) Previous 2 years, they never disclosed the new adjustable interest rates as noted in the original document 45 days in advance. 
4. ) All emails to them were NOT responded. 

Enclosed is the screen shots on my last 4 transactions on payments. 

Thanks This is not your payoff amount. 
Unapplied Funds XX/XX/2021 {$1800.00} {$0.00} {$0.00} {$0.00} {$1800.00} {$0.00} Principal Payoff XX/XX/2021 {$240000.00} {$240000.00} {$0.00} {$0.00} {$0.00} {$0.00} Monthly Payment XX/XX/2021 {$1200.00} {$750.00} {$520.00} {$0.00} {$0.00} {$240000.00} Additional Principal XX/XX/2021 {$500.00} {$500.00} {$0.00} {$0.00} {$0.00} {$240000.00} Unapplied Funds XX/XX/2021 {$640.00} {$0.00} {$0.00} {$0.00} {$640.00} {$240000.00} Additional Principal XX/XX/2021 {$500.00} {$500.00} {$0.00} {$0.00} {$0.00} {$240000.00}