davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

This is the third complaint on Nissan Motor Acceptance Coroporation. I called Nissan and told them I had a domestic dispute and was in the hospital XX/XX/XXXX. My kids and I were in crisis. I was granted an 90 day deferment,. I have been complaining about an investigation on what happened to this call. Third complaint on XX/XX/XXXX. Recovery Spotters a total of 5 were following me. I pulled in a neighborhood and refused. I was still followed. I had XXXX children in the car. I pull in my car. My children were afarid. A total of 8 recovery spotters were driving on XXXX XXXX XXXX XXXX TX XXXX at high rate of speed. I called the Constables office because I have some right to peace of mind and my children does n't need to be in fear. The Police parked in front of my home after I filed a third report. Of Agents tapping on my window and disrupting my neighborhood at night After the Police told me he was off his shift. Around XXXX Recovery Spotters were again going at high speeds down the street. My Neighbor chase one down to tell them to stop. Also he knew I was afraid. There is one main street in my neighborhood. There are children. Again for the third night. Breach of Peace is broken. I should not be afraid while working with Nissan to recover a phone call. I also submitted a legal notice to Nissan to cease this unlawful acts. I 'm in fear. The also are children on the street one can be harmed
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I currently have 19 credit inquiries that was an authorized reporting to my credit report please have them removed immediately from my credit report XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Collections Attorney Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Sales Financing Company Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXXType Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Home Furnishing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-20
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. (AL)

I HAVE A PUBLIC RECORD ON MY REPORTING THAT SAYS I FILED CHAPTER XXXX BANKRUPTCY AND CHALLENGED IT AND IT CAME BACK VERIFIED. INFORMATION FOUND FROM THIRD PARTIES CAN ALSO BE INCORRECT AND I HAVE NOT FILED FOR BANKRUPTCY. IT IS PLENTY OF PEOPLE NAMES ASSOCIATED WITH THE SAME NAME AS ME AND THIS IS A MISTAKE ON THE CREDIT BUREAU PART AND NEED TO BE DELETED. I HAVE CALLED THE RECORDS CLERK LISTED ON MY CREDIT REPORT AND THEY SAID THEY HAVE NO KNOWLEDGE OF ME EVER COMING INTO THERE OFFICE AND THE INACCURATE INFORMATION NEEDED TO BE DELETED.
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (AL)

I have reviewed my credit report and found inaccuracies from XXXX XXXX. i sent them a letter asking them how i still owe your company for this debt. I have received a XXXX on this account and i do not owe this company. This company is taking away my FCRA rights.
Consumer complaint received 2017-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (FL)

I was notifi ed by care credit that my min. payment owed was {$200.00}! I understand that i did not pay off the {$1 000.00} dollars in a year, But i never missed a min. Payment in that year.Why in the world is my Min. now {$200.00}? I did not know this would happen, no one called me at the beginning to inform me of these changes.I am now paying {$35.00} a month, That is all i can afford! I received a very nasty phone call from one of their rep 's, telling me in no certain terms that we need to go ahead an take care of this NOW! I do not want any trouble, I always try to come to some kind of agreement. I really do n't appreciate the tone i was talked to in, I found it to be very rude! Is there any way i can get some kind of help dealing with this situation?
Consumer complaint received 2017-08-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (AL)

I sent a letter on X/XX/17 asking this company how they have came up with the balanced owed. I also asked for a contract that i signed with them saying i owe this debt and I did not receive a contract. I have never heard of this company and I do not owe this company. How do a company report late payments in the payment history when you never even had an account with them. This company is taking away my rights and is a violation of FDCPA.
Consumer complaint received 2017-08-20
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: EQUIFAX, INC. (NY)

XXXX XXXX has a accounts an my credit report on my Equifax that should not be there. Account number XXXX showing an opening date of XX/XX/2016 I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this fraud information removed from my report
Consumer complaint received 2017-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (GA)

On XX/XX/XXXX diversified consultants, sent a letter stating they would delete the following account from XXXX ( who I never had service with ) in the amount of {$650.00}. Well as of XX/XX/XXXX I receive an email from XXXX, stating a new account has been added to my file. The FCRA states I must receive written notice before something is placed on my file. This company deleted than readded this account to my credit file.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had XXXX accounts from Capital One bank show up on my credit report. I do n't have any accounts from Capital One. I tried disputing them with the company to no avail, furthermore I disputed the accounts with the credit reporting agency, XXXX, and they were " verified '' as mine. These accounts where open under my name and SSN and do not belong to me. They must be removed from my credit file. I have the information about these accounts listed below. 

Capital One XXXX Date Opened : XXXX/XXXX/2010 Credit Limit : {$300.00} Balance : {$0.00} Capital One XXXX Date Opened : XXXX/XXXX/2010 Credit Limit : {$300.00} Balance : {$1400.00} These accounts are not mine and must be removed asap!
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was alerted via email that a response from Transunion through the CFPB sent on XX/XX/2024. The was regarding XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX on my credit report. Transunion admitted that the XXXX XXXX XXXX XXXX ACCOUNT WAS UN- VERIFIED. Via the CFPB account : XXXX. Please delete this account from my Transunion credit report.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (TX)

My credit card bill was due in XX/XX/XXXX. I made the paid at XXXX on that day. OnXX/XX/XXXX I got a alert on my credit report stating that I was over the limit with my credit card. I was told in the past from first Progress as long as I make the payment by XXXX on due date there will not be a late fee. Which I did. This is a secured credit card and it 's really sad that they are taking advantage of me. It 's my money and even if I follow the guide I 'm still being held responsible. I have a copy of The payment made with XXXX apparently it 's a 3rd party company that excepts there payments. Which is still not my problem. They should not allow a system that they allow to except there payments make the customer late. Thankyou.
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2017-08-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch (FL)

After reviewing my disclosures provided by my lender of choice XXXX XXXX, I decided to do my own research into choosing a title company and settlement agent to obtain the best offer and rates on services on a new construction home being built by a large National Builder. CalAtlantic Homes. After receiving quotes and offers from different companies I made my choice and provided that information to my lender. The title company that I chose did their due diligence and after reviewing the fine print of my contract noticed I had 10 days from the date of my contract to choose a settlement agent otherwise I had to use the builder 's chosen title company which as you would imagine is,  CalAtlantic Title. The attorney at the title company explained that I likely had no ability to change at this point as he has dealt with the builder before and they will always point to the contract and stand by what 's in it. I reached out to the original sales agent who I signed the contract with and explained my displeasure on not having a choice and that 10 days from contract on a new construction home is unreasonable given that the house will. It be built for months. I also explained that I had done research on read that I can not be forced directly or indirectly to choose any settlement agent. He spoke to " someone '' and advised that unfortunately it was in the contract and that 's what I had to use. This unfortunately creates an advantage to the builders title company to not only have virtually all the business since no one will likely read about the 10 day window but also will allow them to charge whatever fees they like and not have to be competitive as the consumer will have no choice on changing. Also in the contract the builder charges {$200.00} a day of the customer can not close on time yet there is no penalty for the builder if they change a closing date as has already happened twice. I fear their contracts are extremely one sided and give the consumer little choice and power outside of what options to pick for granite and color schemes.
Consumer complaint received 2017-08-20
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. (ND)

I 'm a victim of identity theft and someone stole and used my North Dakota driver 's license XXXX and social security card to apply for a XXXX credit card account. Whoever the individual is, that stole my personal information impersonating me, they applied for a XXXX credit card account fraudulently using my personal information. The following XXXX credit card account : XXXX is fraudulent and unauthorized. The account do not belong to me. I did not apply for a XXXX credit card account. The fraudulent XXXX credit card account is listed on my XXXX XXXX, XXXX and Experian credit report.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc. (CA)

I have mailed many letters! after about XXXX certified letters the collection agency did removed the negative items from my XXXX and XXXX! 
But CMRE refusal to remove the negative items off my XXXX and ceased all communication!
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

On XX/XX/2015 SLS without our authorization withdraw fund from our account and/or any notification, causing my family hardship and unable to catch up with the mortgage payments, then we requested a Loan Modification, which they continue to denied, until we send a letter to President Obama administration, in order to qualify for Making Affordable Program, which was granted by the President Obama Administration, after that SLS entity send me a qualification for a Loan Modification but in really it was very disappointed to see what they were offering me which is as follow : Monthly Payments of {$2200.00} for 242 month and a balloon payment of {$360000.00} at the end of the term, meaning that I will end paying triple the amount of my property also I will lose my property because it will be impossible to pay a balloon payment on the amount of {$360000.00} neither my wife or my sons and daughter. My wife and I are XXXX who are collecting Social Security Benefits and receiving the aid of our children an I believe that is not reasonable a proposition where they are asking for {$660000.00} at the end of the completion of 242 month when my property is only value at {$190000.00}, which was appraisal by SLS entity.
Consumer complaint received 2016-09-09
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (IA)

My husband and I applied for a mortgage loan with Wells Fargo, were approved for a determined amount and were advised of a monthly payment based on that amount. I inquired about whether or not the monthly payment was accurate because it seemed too low, and was advised via email and via telephone that the monthly payment was accurate. We built our house with that understanding but once complete and we were to sign paperwork for our mortgage loan, we were told they miscalculated our monthly payment and it would actually be {$300.00} higher than what we were quoted.
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (MI)

This has been an ongoing process, but, we have a mortgage with Flagstar that we fell behind on in XXXX. After a modification nightmare, we finally had it modified and brought current in XXXX XXXX. I had made some payments that had bounced out of my checking account. Some of those payments were my fault, with not having my checking balanced correctly, and some were not, such as multiple payments on the same day being made. Anyway, on XXXX XXXX, XXXX, we were due for XXXX, XXXX, with XXXX being due by the end of the month. I made XXXX 's payment on XXXX 1. I was in contact with XXXX XXXX from Flagstar 's contracted mortgage servicing company in XXXX, and told him when I would be able to catch all of it up, before the end of XXXX XXXX. On XXXX XXXX, Flagstar had reversed all of my payments that had cleared my checking from checking dating back to XXXX XXXX, XXXX. They also reversed some of the payments 2 times. This had brought me back to XXXX XXXX, owing, when this was not correct. I have been trying to work with XXXX XXXX, and his supervisor XXXX, for almost 3 and half weeks, with no progress. Bank statements have been sent, and the cashiering department at Flagstar still says that it is still past due to XXXX XXXX. I have made a payment in XXXX, and still do not know where this has been applied. I made another payment by XXXX XXXX, and thought it was applied, only to find out a week later that it was returned. We are at a loss, since I am only able to speak to those XXXX people. 
Here are the dates and the amounts that were reversed, which should not have been, because they have cleared my account. I have also included the date that it had cleared my account. 

XXXX {$1200.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} Cleared XXXX XXXX, XXXX This should bring me to being due for XXXX, XXXX and XXXX. I have tried to make the XXXX and XXXX payments and those were not accepted. I still have the funds for them. 

None of these funds were credited back to my checking accounts, and they are not letting me know where they have been applied to.
Consumer complaint received 2024-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-20
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)

I made a formal request to Equifax, XXXX, and XXXX on XX/XX/XXXX to correct the balance to show {$0.00} on a revolving account for creditor XXXX XXXX XXXX XXXX. As of XX/XX/XXXX this debt was cancelled and reported to the IRS. I have included a copy of the XXXX Cancellation of Debt form summary provided by XXXX XXXX XXXX XXXX. Equifax, XXXX, and XXXX are still reporting inaccurate, misleading, and outdated information for this account on my credit file.
Consumer complaint received 2017-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (PA)

I received a loan from payday lender XXXX on XX/XX/XXXXin the amount of {$970.00} with an interest rate is $ 772.94 %.
I contacted the lender in XX/XX/XXXX to request an extension for the {$290.00} that was scheduled to be drafted from my account on XX/XX/XXXX.
I spoke with a Representative named XXXX*****. He agreed to the extension and to submit a {$250.00} payment to my bank on XX/XX/XXXX. When I advised that I would be filing a complaint with the Federal Trade Commission, he came up with a new payment plan.
I feel like I am paying double the amount that I borrowed ; here is why : Loan amount of {$970.00}.
1st payment {$330.00} on XX/XX/XXXX 2nd payment {$290.00} on XX/XX/XXXX 3rd payment {$290.00} onXX/XX/XXXX 4th payment {$250.00} on XX/XX/XXXX Total {$1100.00} The new agreement is {$250.00} to be paid on XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX. Final payment of XXXX onXX/XX/XXXX
Essentially, that is an additional {$970.00} which is the same as the loan amount. Currently, I am unable to pay more towards the principal or pay off the balance.
I feel as though I have no other option with settling this loan, and that I would have been better off making payment arrangements for the bills that led to borrowing from a payday lender. NEVER AGAIN!!!
Consumer complaint received 2017-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (GA)

My son had XXXX XXXX at XXXX Hospital. Several the XXXX were paid in full with exception of the co-pay, which I mailed in when I received the bill. Some of the XXXX was not paid by my insurance because of a coding and billing issue at XXXX for the exact same services, different day as those that were paid. Many of my co-pays were mailed back to me in the form of a check from XXXX, my guess is they did n't know where to apply it. They had a terrible accounting system where they could not look up my sons name and tell me which invoices were paid or not paid, owed on or paid in full. I had to present an invoice number if I wanted to know about anything owed, this was a problem as the bills XXXX  sent were sporadic and sometimes months after the fact. This all happened between 2014 and now. I had to withdraw much needed treatment for my son because so many of the bills were not paid by insurance even though his service should have been covered, it had just been billed incorrectly. I have spent days and days on the phone to get this cleared up but XXXX 's staff turned did not know what to do and I the staff turnover there was so high I would have to talk to a new person every time I called. This is for XXXX Hospital, Syndicated Office Systems and Central finance control and all Credit Reporting Agencies, XXXX, XXXX, XXXX.