davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

I applied directly with XXXX this a.m. of XXXX, XXXX, 2018 through their website and received a credit score of XXXX from XXXX  ( see attached ). I was denied due to a bogus claim of excessive account balances ( see attached ). I do not have excessive balances. The accounts I do have are low balances where most of these balances will be paid off next month. I do not know what is going on with auto financing, but I am well within the approval guidelines to be approved for an auto loan. I am, presently paying {$350.00} a month.This consumer has been unfairly assessed by this finance company.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NC)

In XX/XX/XXXX I finished consolidating my student loans being serviced by Department of Education/XXXX XXXX, then in XX/XX/XXXX I requested to be a part of the Public Service Loan Forgiveness Program ( PSLF ) and Income Based Repayment Plan ( IBRP ). By XX/XX/XXXX XXXX XXXX transferred by consolidated loan to Department of Education/XXXX XXXX ( PHEAA ). I noticed that once my loans were transferred to XXXX my newest account/balance/revolving payments are missing from my credit reports and my closed older accounts show incorrect balances. I have attempted to reach XXXX XXXX to request correct credit reporting, however, the electronic phone system will not allow me to speak with a representative and emails I send to XXXX 's account info remain unresolved. I am requesting that my account with XXXX be reviewed and correct loan information be reported to the credit bureaus as soon as possible.
Consumer complaint received 2019-05-16
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. (TX)

I am reporting a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). I have informed the bureau of inaccurate information with a receipt of payment that this debt has been paid in full and they are still reporting it as a charge off. I have sent them a copy and they refuse to remove the inaccurate information. THEY HAVE REFUSED TO REMOVE THE INACCURATE INFORMATION, STATING THAT IT HAS BEEN VERIFIED, WHEN CLEARLY IT HAS NOT. This is clearly a a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). This information needs to be removed immediately.
Consumer complaint received 2018-10-20
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. (CO)

Item is being reported to my credit report without permissible purpose. I requested that the reporting agency and creditor provento me that the account is mine, such as any document bearing my signature that I consented to commerce with their company. Despite failure to show any substantiating documents proving my ownership of this account, and my non-consent to XXXX, the creporting agency has adjudicated the claim to keep the negative item on my credit report.
Consumer complaint received 2019-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NE)

Please see the attached letter. 

I have been attempting to get information on MIP from Select Portfolio Servicing since XXXX XXXX. After two months of an " escalated '' issue, they finally opened a " dispute. '' The US Treasury has already taken my Federal Tax Return, and they're getting ready to garnish my wages. 

I needed the information two months ago, and I am getting the run around from Select Portfolio Servicing to get the required documentation to have prevented collection action from HUD. 

I have never disputed that there was an {$8000.00} " silent second '' mortgage that I would need to pay if I ever refinanced or purchased a new home. My dispute is that it is DUE NOW?? 

After receiving a demand letter from HUD, I hired an attorney. It was determined that it was related to the MIP insurance on my " silent second '' mortgage. 

I contacted HUD, and they just said to contact my lender, that they couldn't do anything to help me. My lender was supposedly waiting to hear back from FHA to add the insurance back on, per HUD. Then the government shutdown. They are still allegedly " waiting to hear back from FHA '' even now. 

After inquiring on whether I had met the requirements to drop MIP insurance in XX/XX/XXXX, Select Portfolio Servicing allowed me to do so in XX/XX/XXXX. I had met the requirements of being eligible to drop the {$86.00} per month premium I had paid for 6 years. I had paid down the mortgage on my home to 78 %. 

It was my understanding that SPS had requested and received approval by HUD and/or FHA to cancel the insurance. 

I have requested a copy of the document where HUD or FHA made this approval. I need a copy of my " servicing file '' and they said it needed to be in writing. I e-mailed them on XX/XX/XXXX. Today, she said it had to be MAILED!?!?!?!? WHO APPROVED MY INQUIRY AS TO WHETHER OR NOT I MET ALL THE REQUIREMENTS TO HAVE IT REMOVED?!?!?!?!? 

This is a time sensitive situation. I DO NOT HAVE TIME FOR THIS! Because they have drug their feet for two and a half months, my wages are about to be garnished. 

The resolution would be them sending an immediate digital file TODAY!
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I filed a dispute with capital one bank which is on my report but this is a fraudulent account. I never owned this account but after the dispute it was noted that this account was found to be accurate and correct when in fact it is not. It is impacting my credit score
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Automated Collection Services, Inc. (TX)

On XX/XX/2018, I sent written notice to Automated Collection Services Inc. ( ACSI ) via certified mail in winch I required ( ACSI ) to  cease and desist from contacting me or my family members in this and any related matters unless it was by United States Mail. 

I have phone records showing multiple calls from ACSS after my XX/XX/2018 letter. 

This is debt collection abuse and harassment. I believe Automated Collection Services is violating my rights under the federal fair Debt Collection Practices Act.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This agency is reporting inaccurate information The balance is incorrect I do not owe this complex that amount XXXX XXXX ever there for XXXX months the lease clause state that if the lease is broken 2xthe rent will be accessed.Agreed rental amount XXXX per month. 
Incorrect reporting, Per consumer reporting act Inaccuracies must be corrected or removed If you have found inaccuracies and disputed them to the consumer reporting agency, they must either correct the inaccuracy or remove it within 30 days.

Please remove from all bureaus Thank you
Consumer complaint received 2019-05-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC (MD)

On XX/XX/2019, my XXXX XXXX XXXX was stolen from XXXX, VA, I.e., by XXXX XXXX. I reported that the car was stolen to the XXXX, Virginia Police Department, Case # XXXX, At XXXX on XX/XX/2019, I reported to my Car insurance, i.e., XXXX XXXX that my vehicle aforementioned was stolen. 

My insurance informed me that I would need to file a police report, which I did, on XX/XX/2019. XXXX XXXX made reservations for me to obtain a rental car on XX/XX/2019. I filed my police report with the XXXX, Virginia Police Department and they gave me Case No. XXXX. 

The aforementioned vehicle was found on XX/XX/2019  Burned Up. I have spoken to the XXXX XXXX Claim Adjuster : XXXX XXXX several times if the vehicle is repairable. Ive asked the XXXX XXXX adjuster : XXXX XXXX, from time vehicle was stolen to date, is the vehicle repairable and if not what is the next process. Ive asked the Adjuster have they informed BMW North America Financial Services, who I financed the car through. Which the adjuster said, we have not notified BMW, that we will not notify BMW until we make a decision  if vehicle is repairable or totaled, which she propagated to me in a email. 

Today is XX/XX/2019 and I have still not been updated with any information. My insurance premium, I.e., is automatically taken from my bank account with XXXX XXXX. Im paying for a service, which has yet to have been rendered and fulfilled. Can someone please step in and enforce my consumers rights. I have all the emails from the XXXX XXXXl Adjuster stating they have not notified BMW North America Financial Services of the status of the Vehicle. Which BMW customer representative informed me a department has been notified. One or  both entities are lying. 

I called BMW North America Financial Services on  XX/XX/2019 to inform them of this situation. A customer service representative informed me that a Certain department has been notified of this situation, and she left me on hold for an hour. 
Every time I call BMW North America Financial Services they leave me on Hold for a substantial Long Duration, where Im left on the phone for unwaitable time. Can someone from the CFPB please help me with dealing with XXXX XXXX and BMW North America Financial Services. 

Thank You V/r XXXX XXXX XXXX
Consumer complaint received 2019-02-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions (CA)

Continues to call my place of employment although they have other ways to contact me. 

Called on XX/XX/XXXX19, called on XX/XX/XXXX19 andXX/XX/XXXX19 I asked them to not harass my employer after 1st contact still continues to call
Consumer complaint received 2019-02-21
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 — Problem with personal statement of dispute
Company: Avant Credit Corporation (FL)

On Wed, XX/XX/XXXX at XXXX XXXX CST, XXXX XXXX XXXX wrote XXXX To Whom if anyone this may concern : OBVIOUSLY YOU CANT READ DATES AS YOUR ENTIRE REBUTTAL IS ABOUT XXXX NOT THE CURRENT ISSUE XXXX My secondary home WAS AFFECTED BY HURRICANE FLORENCE XX/XX/XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. XXXX changed the address to XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I had over 11k in  damages to my secondary home. I work from this home 6 months out of the year and do have an office in the home. I sent you a copy of my insurance claim showing the damage IN THE PRIOR EMAIL. If you had bothered to LISTEN TO THE CALL AS REQUESTED XX/XX/XXXX you would have heard the information. Also your representative was given the info twice I do believe during that phone call. I was advised by your Co. Representative that THE DISASTER ASSISTANCE 90 DAYS no pymts to allow me to make repairs. I was told next pymt due in XX/XX/XXXX. I called in prior to XXXX and requested an additional month extension to complete repairs due to extensive flooding in the area and unable to get to the property due to road closures right away. It was granted. I was then told next due XX/XX/XXXX. I WAS NEVER INFORMED IN WRITING OR OTHERWISE ANY DIFFERENT. I was late making this payment and when I signed in to make the payment, I saw you had the ACCOUNT MARKED INCORRECTLY AS PAST DUE 4 MONTHS. I CALLED IMMEDIATELY. You need to review the initial call requesting disaster assistance. I NEED THIS CORRECTED/MY CREDIT REPORT FIXED ASAP to reflect no late payments. If this is not ESCALATED TO THE PROPER PERSON TO CORRECT, I will seek legal action to resolve, with you using YOUR COMPANY 'S recorded phone call as proof this is what I was informed. This has caused me to be turned down for credit for repair financing, and beyond furious. Someone there dropped the ball or didn't reach out to me to get info if you needed it OR ADVISE THERE WAS EVER ANY ISSUE! XXXX!!!!! I WAS NEVER NOTIFIED AT ALL. I'LL await your prompt reply/correction. 

THIS NEEDS TO BE CORRECTED TO SHOW NO LATES AS PER AGREEMENT WITH YOUR REP FOR DISASTER ASSISTANCE XX/XX/XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2019-02-20
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: SUNTRUST BANKS, INC. (GA)

On or about XX/XX/2015, my ex-husband stole my identity and purchased a vehicle in my name without my authorization. When I first learned about the theft it was through an alert from my credit monitoring service. I immediately filed a police report documenting the theft. At the time I was unaware of how my information was stolen or who stole it. I have tried to have this information removed from my file by way of disputing with XXXX ; however, the creditor, Suntrust Bank, continues to place this debt on me despite sufficient proof of fraud/identity theft. Early this year I received an legal affidavit from a person who identified themselves as XXXX XXXX. In the affidavit she admitted to conspiring with my ex-husband to use my identity to purchase a vehicle in my name without my consent. Upon receiving this notice I immediately went back to the originating police department and filed an updated police report. I also contacted XXXX to put them on notice to have the information removed from my credit. After waiting two months XXXX stated Suntrust alleges the information is accurate. This information is not accurate. My identity was stolen by my husband during our divorce process. He used my identity to open several financial accounts in my name as well as file taxes. He used an address in which I've never lived. I have provided documentation of this and have filed a motion in court to have a judge rule in the matter as a result of the supporting documentation I've have. I also would like to point out that XXXX has sufficient information regarding the matter as well to ensure this fraudulent information does not continue to report falsely on my credit file.
Consumer complaint received 2019-02-21
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: Experian Information Solutions Inc. (CA)

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from US Dept of Ed, account # : XXXX, claiming that I owe {$1200.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2019-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Financial Solutions, LLC (MD)

On or about XX/XX/2016 I made a purchase through XXXX at XXXX for a cash price of {$320.00}. I made all the payments however my name has been sent to a collection agency accelerated financial SO for {$660.00} original creditor XXXX , XXXX. This account is showing on my credit report and I have received calls from the debt collection company. I explained to the debt collector that the bill was paid however the company states and have reported this debt.
Consumer complaint received 2019-02-21
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: EQUIFAX, INC. (CA)

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$1200.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2019-02-21
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. (CA)

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$1200.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.