davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (KS)

We went into XXXX XXXX in XXXX to talk about trading in our vehicle in XXXX. We ended up with a XXXX Nissan Sentra. I looked at the sticker price and the dealer said " do n't even look at that amount because that is n't what you are going to pay ''. ( the XXXX 's were out and they wanted to get rid of this vehicle ). We did pay the total sticker price and anything else they could add on. We spent from first thing in the morning until late afternoon listening about things not even pertaining to the sell of the car that we did n't know if we were coming or going. We were also talked into things we did not want ie ... VSC and GAP that we thought we were signing a decline for. The dealer also said that they would pay the full payoff of our trade-in and not worry about it. ( he did n't lie, it was just tacked onto the new car ). We should have looked at the contract better but by the time we left the place we were so tired of being there we just left. Later, we looked at the contract and they had added over {$4000.00} to the new car for the amount we were supposedly over/under on the trade-in and they also added the VSC and GAP that we did n't want. We went to speak with them in XXXX, XXXX and even had the owner in the office and they faxed a cancellation of the VSC and the GAP and gave us the confirmation copy showing the refund amount that would be taken from the payment of the new car. It is now XXXX, XXXX and have not seen any changes to our statements that they reimbursed this money so I faxed the copy we had again and said it was a duplicate and stated we still have not seen anything. We heard nothing. We called XXXX XXXX, XXXX and they told us that the department that takes care of the VSC and GAP did not receive any paperwork to do this. ( I have the confirmation number and the " OK '' results that it was received back in XXXX XXXX and I also faxed it a second time!! ). 
Update : The above was sent to the XXXX and XXXX Nissan of XXXX issued a check and supposedly sent it to Nissan Motor Acceptance Corporation. NMAC says they have not received a check from them even though XXXX Nissan of XXXX sent us a copy of the check saying they did and that Nissan Corporation cashed it on XXXX XXXX. Neither company will talk to each other about this missing check and when my husband and I talk to either of them they both refer us to call the other on the matter or will not return our calls. This has been ongoing with XXXX Nissan of XXXX since XXXX XXXX, XXXX. 
Again, it is our fault for not following closely to what was being done but we do know that we will NEVER deal with this company again.
Consumer complaint received 2015-11-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Jonathan C. Frank & Associates, LLC (OH)

I took out a loan through XXXX XX/XX/XXXX. I have been contacted by a law firm in XXXX called Jonathan C. Frank & Associates, saying that I owe {$700.00}. I live in XXXX and this company is in XXXX. I contacted XX/XX/XXXX, and my debt was sold to XXXX XXXX XXXX ... and the debt was for {$500.00}, verified by XXXX, and XXXX. XXXX XXXX XXXX told me that they sold it on XX/XX/XXXX to XXXX XXXX XXXX. I never received anything via mail from any of the creditors, let alone from a law office. I was told that I had to pay in whole over the phone or set up payment arrangements, or further action would be taken. The only person who has contacted me from this law firm is a woman named XXXX XXXX. They sent me an electronic agreement to sign and scan back, but on the paper it listed XXXX XXXX XXXX ... which is based out of XXXX. None of this makes sense since I am in XXXX. I have not paid anything, nor did I sign the agreement after cancelling my credit card, thinking it might be a scam. They automatically asked for my financial information over the phone, and never gave me the option of disputing the debt. This law firm has my SSN, address, full name, etc.Since I cancelled my card causing the XX/XX/XXXX payment to not go through, they were proceeding even though I never signed the agreement, I have received numerous messages about how I forfeited the agreement, and further action will be taken without my involvement.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-05-26
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: American Financial Resources, Inc. (PA)

We are a title company. We deal with many lenders. The Buyers chose XXXX XXXX Mortgage as their lender. This was a FHA loan so XXXX uses AFR XXXX American Financial Resources XXXX to service the loan. We had a closing date established for over XXXX weeks, but AFR could n't close and did not tell us until day of. Buyers had to rearrange their work schedules. Attempted to close a week after and on date of closing, AFR took issue with our Deed. The Deed language was legal and correct ( we are also a law firm XXXX but they refused to allow our closing attorney to speak with underwriting to discuss the issue. This went on for 3 days and delayed closing due to the loan processsors refusing to provide contact information for a manager or an attorney in underwriting. Our closing attorney finally looked up their website and found a number for the VP and spoke to him. This was after we already were suppose to close. VP instructed the processors to provide contact information and the issue was then resolved. Also, AFR kept changing their figures on the HUD and refused to approve it. Even attempted to add their own origination fee, which they can not because original lender XXXX XXXX XXXX XXXX was only XXXX allowed. XXXX XXXX and AFR went back and forth for almost a day until finally AFR changed the wording of that particular fee. Mind you, XXXX already sent the loan documents and it closed but this was 2 days later they said they were not approving the HUD yet! XXXX XXXX demanded they keep the closing date so Buyers did n't have to redo the loan. So for almost 3 days I went back and forth with AFR on figures, XXXX of which was XXXX cents they were changing, which changed the entire HUD!! XXXX XXXX tried to resolve the figures with AFR through numerous email exchanges but XXXX was funding so ultimately it was up to them to approve. Finally, on almost day XXXX, they approved the HUD a full TWO DAYS AFTER CLOSING. I almost missed payoffs and other figures that were date-sensitive on the HUD on our end for Seller. AFR refused to work with us, refused to communicate with us and only did so when their own VP stepped in. XXXX XXXX stated they have this issue with them a lot on FHA loans. Not sure why they still use them, but we had a XXXX closing lined-up right after this XXXX that we terminated due to AFR servicing it. We lost almost 3 days worth of billable hours, not to mention delayed closing by a week to begin with, due to AFR. We will NEVER work with them again.
Consumer complaint received 2024-10-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am writing to formally file a complaint against Columbia Debt Recovery DBA Genesis for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically concerning the accuracy of information reported on my credit report. Despite my repeated efforts to resolve these issues, the inaccuracies persist, leading me to seek your intervention. 

Details of Complaint : Inaccurate Reporting of Account with XXXX at XXXX XXXX : The account with XXXX at XXXX XXXX is being reported on my credit report with incorrect information. I am not acknowledging this debt, and I have reached out to the original creditor. The address and apartment number listed on the lease are incorrect, yet the information continues to be reported to the credit bureaus in its inaccurate form. I have sent letters to request the correction, but Genesis has not taken any corrective action. This violates my rights under the FCRA as the information being reported is neither fair nor accurate.

Additionally, Genesis has made excessive and repeated phone calls regarding this account, which violates the Fair Debt Collection Practices Act ( FDCPA ), as these calls are designed to harass and annoy me. The frequency of the calls, within a short period, adds to the distress caused by the inaccurate reporting.

Inconsistent Reporting : Upon further inquiry, I received a copy of the lease associated with this account. The apartment number and address listed on the lease do not match what is being reported to the credit bureaus. The discrepancy between the address on the lease and the address being reported raises concerns about the integrity of Genesiss reporting and investigation practices.

This situation has caused significant harm to my credit profile and my overall financial well-being. The failure to correct these inaccuracies has resulted in undue stress and financial repercussions for me.

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter and provide me with the results. In addition, I seek compensation for the financial losses and distress I have experienced as a result of this inaccurate reporting and Genesiss mishandling of my account. I also ask that a fine be assessed for their violation of the FCRAs fair reporting requirements and the FDCPAs restrictions on excessive phone calls per call log I appreciate your attention to this matter and look forward to your prompt response. Should you require any additional information or documentation to assist with the investigation, please do not hesitate to contact me.

Thank you for your time and consideration.
Consumer complaint received 2016-01-19
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Atlantic Credit & Finance, Inc. (MA)

the collection agency put me on the phone and had me get into my personal business of why i stoped paying for the debt and asked why i am XXXX and had me repeat it like 3 or 4 times to make me feel bad or gulity about the whole situration and then asked why i broke up with my fiance .. and then asked how much is in my checking acount. The agency name is atlantic Credit and fiance incorporated
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (VA)

Today I received an e-mail purported to be from XXXXXXXXXXXX. It read : A change has been made to the e-mail address for your Equifax account. This confirmation message has been sent to the old and new e-mail addresses. 

If you feel this is in error, please call us at XXXX ( XXXX ), 7 days a week between the hours of XXXX - XXXX Eastern Time Zone. You may e-mail us any time at XXXXXXXXXXXX. Or you may write us at Equifax Consumer Services , Inc. XXXX XXXX XXXX, XXXX , GA XXXX. 

Your Equifax Customer Care Team NOTE : This e-mail is for your information, and does not require a response. If you need assistance on this or any other Equifax product, please contact us at XXXXXXXXXXXX, or call us at XXXX ( XXXX ). We kindly ask that you DO NOT REPLY to this e-mail. 
Based on viewing my Equifax report on your site, and my phone calls to Equifax , I can only conclude that this is a phishing expedition on their part to get me to buy protection services from them, as I have not had an account with them for many years, and I certainly did not change my e-mail address. 

Please look into this. I do n't believe they are allowed to use scare tactics ( ie : someone has accessed your account and changed the e-mail address ) to get people to buy protection from them. 
By the way, I did not call the number above, but rather contacted them on their web site number of XXXX XXXX, as I could not be certain the above number was actually them. 
Respectfully ; XXXX XXXX XXXX
Consumer complaint received 2015-04-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (VA)

We had medical emergency at XXXX XXXX XXXX in XXXX. We paid all the bills in time except a small bill for {$97.00} from XXXX XXXX XXXX XXXX which we never received. During this time we also moved so XXXX be the notices were lost in mail. Surprisingly 7 months later we got a collection notice on XX/XX/XXXX from PAYACEI ( dated XXXX XXXX ) based in XXXX VA. We immediately called XXXX XXXX XXXX to investigate and made payment for this balance on XXXX XXXX. 

We have also received paid in full statement from XXXX XXXX XXXX yet XXXX claims that we owe this money to them. When I called to explain, they were rude and continue to insist that We owe them the money which we already paid. I believe that this company is fraudulent and uses abusive tactics to collect debt, even if it is already paid off. 

The reference number for this notice is XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am bringing to your attention an issue regarding an account on my credit report that has been inaccurately verified as accurate. Despite providing supporting documentation, which I have attached, the information remains incorrect, and no corrective action has been taken.

This situation violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which obligates your agency to properly investigate and rectify any inaccuracies.
Consumer complaint received 2015-07-09
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (CA)

Dear Sir/Madam, Paypal is holding my funds in these accounts hostage since XXXX XXXX, 2015. My personal account has {$5500.00}, and my business account has {$9400.00}. The pretense of limiting my account was high level of risk. The matter of fact truth is that my accounts have never had any disputes, claims, or chargebacks. Their holding my funds is nothing but malice, and was done in bad faith. It is unreasonable and should be illegal. So far all my contacts to Paypal only resulted in either no reply or nonsense form-letters. 
I am asking for you intervention to:1 ) Order Paypal to release the funds to me immediately without any further delay ; 2 ) Order Paypal to pay interest at 10 % or the highest rate Paypal pays to its lenders to compensate me for locking up my funds ; 3 ) Declare Paypal 's XXXX-day holding period illegal. 
Thank you very much for your prompt assistance on this matter.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (OH)

I opened my account XX/XX/year> and I had {$600.00} put into my account and I tried to XXXX {$550.00} and other one of {$20.00} to my fianc on XX/XX/year> and those transactions got put on hold then they locked my account and wont give me access to my account unless I drive far away to one of their branches I have offered to email them whatever they need to be able to get access to my fund but they wont do it unless I drive to them and I told them I couldnt drive to them and even if I wanted to they have my money so I wouldnt be able to drive there and they got very rude with me over it.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I'VE BEEN A VICTIM OF IDENTITY THEFT BY WAY OF THE 2017 EQUIFAX DATA BREACH AND THE 2024 DATA BREACH. I HAVE NOTICED SOME UNAUTHORIZED ACCOUNTS ON EACH OF MY CREDIT REPORTS THAT I DID NOT BENEFIT FROM. I WOULD LIKE TO HAVE THESE FRAUDULENT ACCOUNTS THAT HAVE BEEN DISPUTED, TO BE REMOVED FROM MY REPORTS EXPEDITIOUSLY. THESE ACCOUNTS ARE HARMING MY CHANCES AT OBTAINING A CREDIT CARD OR A CAR LOAN.
Consumer complaint received 2015-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

Hello, I own a Credit Card from XXXX. 
I log in to my account from XXXX and I choose automatic payment withdraw for monthly payment. After 3 weeks I XXXX to log in to my account to look at my balance. I XXXX to many times to log in to XXXX Website, I decide to cool Customer Service regarding this problem with they website, They told me my Account is close and they block my Credit Card for IDENTITY TEFT and they will send me a new one and not to worry about that. I just have to wait to resave my new Credit Card and log to my account. I have to find out on my Credit Report XXXX charge me let fee and reported on my credit report.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Ditech Financial LLC (VA)

I have had a membership with XXXX for years, I get my XXXX in XXXX credit report every 6 months and when I got it this time I did a little research to see why my credit score was different on all XXXX reports. Looking at the report I see XXXX reports wrong information from XXXX and XXXX, they have over XXXX accounts open when they are closed. I call XXXX and told them what was wrong and sent the IT department a screen shot of my credit report at XXXX ( which is correct ). It has been over 3 months and it is still not fixed. XXXX say it is a system issues but how can they be in the business of reporting credit and do n't have it right? I called XXXX every other day and they just hung up on me or say it is a IT issues. 

Another issue, Green Tree which is now Ditech Financial LLC. I had a mortgage loan from XXXX of XXXX to XXXX which is 20 years and I paid my mortgage on time for 20 years and my last year when I got down to {$8600.00} I settle with them for {$6700.00}. This was a interest barring loan and they had made {$100000.00} off of {$29000.00} loan. They reported to my credit report that I settle for less then the balance and put a flag on my report to stay on 7 years. I have been calling the company which I get no call back but I am asking if a company settle with me and it is less than {$2000.00} and been paying for 20 years why would they hurt my credit like this? I was never late paying them for 20 years.
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I would like to know how my payments are being applied and I can not receive an acceptable answer from calling customer service. I took a {$20.00} cash advance in 2014 ( that 's what the rep told me as I am no longer able to view the statement online to confirm ) and I would like to pay it off. Each month I continue to see a {$0.00} interest charged assessed and it never goes down ... why?? I typical pay more the minimum payment due but none of my payment is applied to the cash advance which has the higher interest rate..why??? When I asked how I can pay this portion off I was told that I have to pay my entire balance off!! This does not make any sense to me. My minimum payment is {$25.00} and I usually pay {$50.00} or more each. Why ca n't the overpayment be used to pay off the cash advance? Is this a way to make more money off me??? This may seem small to some people but this will make a big difference to me. Please help!
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: United Shore Financial Services, LLC (CT)

I contacted mortgage broker XXXX XXXX, XXXX with XXXX in XXXX of 2015 to get a mortgage pre-qualification to begin shopping for houses. When we found a house that we loved and made an offer in early XXXX we requested a closing date of XXXX XXXX in the offer based on what XXXX indicated would be a reasonable amount of time to secure the mortgage. On XXXX XXXX I went to XXXX 's office to sign all of the application paperwork and asked again if we would be on track for a XXXX XXXX closing and was told that we should be OK. I was asked for various documents along the way and always responded quickly, normally the same day. I followed up a few times about the date since I was planning to secure friends to assist with the move and we were selling the existing house that we were living in the following week. On XXXX XXXX I received a conditional commitment and was told that we still looked good for a XXXX XXXX closing but they just need to tie up a couple things. The issue came on XXXX XXXX, I sent an email asking for a status at XXXX XXXX and received the following response at XXXX : " We got all of the conditions related to you cleared ; however there is a condition related to the appraisal which should have been cleared by the appraiser earlier this week ( basically, an " explain why you did XXXX on comp # XXXX '' type question ), which the appraiser did not take care of before leaving on vacation for this week. We are requesting " backup '' to see if the appraisal management firm can fill in for him on it, but since it 's an explanation of a judgement call I ca n't say for certain whether than can be cleared before next Monday. So that makes it likely that your closing gets pushed to the middle or end of next week. " Basically I was told about one full business day prior to the date I was supposed to close that it could not happen. I had time scheduled off work, a rental truck reserved, friends planning to assist, had to make the sellers of our other house adjust their timing. The feeling I got was that these things happen in this industry and everyone pointed fingers at it being someone else 's fault, the underwriter needs something, but the appraiser is on vacation, the broker can do anything with United Wholesale Mortgage, and XXXX would not give any information to applicants, etc. I understand that things happen, but to be given such little notice was extremely stressful and resulted in additional costs of having to pay movers and adjust my schedule - let alone settle in to my new home.
Consumer complaint received 2015-07-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I filed a complaint # XXXX on XXXX/XXXX/15 about my deed in lieu with the Bank of America. I received a letter dated XXXX XXXX, 2015 from the Bank of America stating that an approval was granted for the {$2000.00} which was mailed out. On, XXXX XXXX, 2015 I received an email from XXXX XXXX that they needed a XXXX completed. I completed it on XXXX XXXX, 2015 and emailed it back. On, XXXX XXXX, 2015, I received an email XXXX that Bank of America is unable to assist with my request of the whereabouts of the {$2000.00} check.