davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-30
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

On XX/XX/2016, my family came over to my place in XXXX, XXXX for dinner before I drive to XXXX. One of family members asked if she could use my computer to pay her Nissan bill. I allowed her to do so. Everything was fine until on the XXXX while I was driving on the hwy and need to put gas in my car. My debit card was not working, I noticed that the balance on my XXXX account was lower than it should be. I found that there were two unauthorized transactions on my account. After I asked XXXX [ my mother ] to add me as authorized user, I contacted Nissan as soon as possible and were asked to help them locate both XXXX and the vehicle before we could move on to the refund process. When we found the vehicle at one of the Nissan dealers in XXXX, I contacted the same Nissan employee to inquire about the refund but could n't get her to pick up the phone. I left many voice messages but she never returns my calls. I also reported to XXXX but Nissan told XXXX and me to give them 45 days but they never response to my complaint. 

I would like to point out that the vehicle was n't under my name and never authorized anyone to use my bank account to pay for the transactions. Nissan should have protected me and refund the money after my first call and should n't have asked me to help locate the vehicle or the person in the first place. 

These are the transactions info obtained from XXXX : 1. # XXXX XX/XX/2016 {$1200.00} [ this amount included {$20.00} XXXX fee ] * 2. # XXXX XXXX/XXXX/2016 {$1500.00} [ this amount included {$20.00} XXXX fee ] * I 'll deal with XXXX fees on my own, please exclude that amount.
Consumer complaint received 2016-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NC)

On my credit reports there are XXXX new student loans that are from a consolidation. XXXX/Nelnet lists an amount due each month at {$230.00} on one and {$140.00} on another. I NEVER agreed to anything other than a zero payment. Not once. The letter I received from Nelnet states zero amount for payment as well. This {$230.00} and {$140.00} was never part of any contract that I agreed to. There is also an ongoing court proceeding to discharge these student loans so you would think Nelnet would be reporting properly. 

Also, Nelnet denied my TPD application and they are holding the letter of denial hostage. They will not send it to me. I feel it is so they can in the future of this court case state that Nelnet decided to grant your TPD and they know I no longer would want it. It is a scheme of theirs for assurance and they have no legal right to do this. First off, this TPD is by a psychologist that signed it which they will not allow and said so in email. So they need to send me the denial letter. I also can not get into my Nelnet account and have complained numerous times. They have me blocked. They have no right to keep me blocked from my Nelnet account. 
1. Enter payment of zero for the XXXX new loans. 
2. Send me the letter of denial of TPD. 
3. Let me into my Nelnet account.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint because Experian has refused to provide me with the documents that their company has on file that were used to verify the account that I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to * " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2016-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (CA)

I was notified by XXXX that I had a collection from Diversified Consultants for XXXX for XXXX XXXX XXXX on XXXX XXXX. I contacted the company of Diversified, because XXXX provided their number. On a recorded call, I asked for them to send the letter of debt because I am disputing something I paid years ago. The Supervisor stated they did attempt to call me. I advised I did not receive a letter nor a call. I verified my address with them. She stated she would not send the letter if I was not going to pay the debt. Again, that was a recorded call on XXXX XXXX. I also phoned them on XX/XX/XXXX because they were listed under another name for same account on XXXX. On XXXX XXXX, I called XXXX with the information that was still on my credit report and them refusing to send the information. XXXX rep then stayed on the line as she called diversified for an attempt to gather the information not sent to me. Attached is the copy of the letter sent to arriving XXXX XXXX dated XXXX XXXX when XXXX asked them to send it to me. 
This should never have been on my credit reports. I asked for the documentation and they refused to send it. It is recorded as such. The payment, which is actually incorrect on the balance. First it stated XXXX then it was really XXXX and it was over XXXX when first billed. I split that payment in XXXX.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a paid account that was still listed as open on my Transunion report. I contacted the creditor and had them confirm that this account was paid and should be closed and removed from my credit report. After they contacted trasunion to have this discrepancy removed my credit score went from XXXX to XXXX. I contacted Transunion to dispute this change, noting that my score should have either stayed the same or increased. Since any items falling from my credit report should be a positive mark on my report. When I had the same situation happened with XXXX they fixed it and made my score go up for paid/deleted accounts. Transunion told me that option was not available to me and actually tried to sell me a credit report even though I have already ordered my direct credit report through Transunion and I explained that to the rep. It was as so they were Car Dealers and their only concern were to have me purchase something else before getting off the phone. They were reading from a dialogue and not being personable at all with me nor my situation. Once I told them I would be contacting consumer services they grew angry with me and tried to push another product on me which I then hung up the phone.
Consumer complaint received 2023-09-24
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. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (MD)

My mortgage loan was transferred to Selene Finance company from XXXX XXXX XXXX as of XXXX/XXXX/16. My payment history was sent to Selene Finance with my payment history showing I was current as of the day of the transfer. I received my first statement from XXXX stating that I was XXXX plus days delinquent on my mortgage. I have contacted XXXX requesting them to send a copy of my payment history to Selene and myself. XXXX acknowledged that they have sent Selene a copy of my payment history as I have done so myself. I have spoken to Selene and they say they have no record of my payment history. On XXXX XXXX 2016, I mailed a certified letter to Selene Finance complaint department a copy of my proof of payment proving that I am not delinquent and to correct my payment history, remove interest that has accrued as well as report it to the credit bureau to have the delinquencies removed from all three credit bureaus. Selene Finance has sent me a letter stating they have received my certified letter and that by law they have 30 days to respond and are investigating the matter. I have researched Selene Finance on the internet and I have discovered that Selene Finance has a negative history especially claiming that they have not received payments from clients in order to force the clients into foreclosure. Fortunately I do have bank records proving that payments have and all being paid. I do no plan to become another victim of the scams being done by Selene Finance. The XXXX currently gives Selene Finance a rating of " XXXX '' and for good reason. I am requesting that Selene correct my payment statement and to notify all XXXX credit bureaus to have this remove from my credit record as I have mentioned above.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-07-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TX)

I financed dental work through Care Credit which has a " no interest if paid in full '' by the time limit financing. I was one day late paying the minimum due in XXXX, 2015 and was charged a {$25.00} late fee. Every month since then, Care Credit has charged a {$2.00} per month interest charge ( 26.99 % interest ) on the {$25.00} late fee.The late fee was submitted as an additional amount for the minimum payment due, but Care Credit continues charge the {$2.00} per month interest charge on the late fee. I have now paid {$18.00} for the {$25.00} late fee. Very deceptive practices going on!
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I tried to log into XXXX XXXX to see all three fico scores and they told me XXXX HAS INCORRECT ADDRESS INFO. I try to log into XXXX giving my current address and XXXX says I can not log in due to incorrect address. XXXX has my correct address. Both XXXX and many other online credit services are telling me there is an address problem. So I created a new account with XXXX was able to get in but the screen to dispute is frozen. I have been trying for 3 days. Also my credit reports have two different middle initials for me and the correct initial is XXXX XXXX XXXX
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2016-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc. (OR)

In 2008 I was in a car accident which caused me to go to court pay restitution. All off the restitution and court fines and fees were oaid promptly ( mostly out of my bail money ), Since my monetary commitment to the court was taken care I thought I had taken care of at least the monetary portion of the " punishment ''. After 3 years all the charges were dropped to misdemeanors and I waited the 5 years that they suspended my license at which point I thought I could reapply for the driving test and get my license back but instead I was told that I owed the DMV over {$1300.00} in fines and fees. This was never discussed before or else I would have taken care of them with the rest of the fines and fees of the court. Instead of telling about them either through the phone or the mail they instead waited a whole 72 hours and then gave them to a collections agency which has been accruing interest over that past 5 years.I was told that if I made a {$250.00} payment to this collections agency they would allow me to take the test as long as I agreed to make monthly payments to the collections agency. This seemed wrong to me.
Consumer complaint received 2016-07-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

This debt is from 2016. I never heard anything about this from XXXX XXXX Hospital or any other agency until 2016. I called XXXX XXXX Hospital and XXXX XXXX XXXX and neither have any record of the debt and say they do not use this collection agency. I sent a letter to Common Wealth requesting documentation of the debt. They did not respond. They keep reporting it to my Credit report causing damage! I feel blackmailed into paying this just to stop the damage to my credit! Can you help please!
Consumer complaint received 2023-09-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AL)

I have requested the original purchase agreement showing their ownership of this alleged debt. 

Requested a Debt Validation Letter but never got it. 

Dates requested XX/XX/XXXXXXXX  and XX/XX/XXXX.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my TransUnion credit file for my account with XXXX XXXX XXXX  ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law. 

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my TransUnion credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower. 
Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts. 
Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information. 
Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681sXXXX2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports. 

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages. 

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect TransUnion to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments. 

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws. 

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter. 
Thank you for addressing this matter with the urgency it deserves. I trust TransUnion will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is not complying with CARD Act regulations, specifically : Under 226.9 ( c ) ( 2 ) ( iv ) ( B ), the change-in-terms notice must ( 1 ) notify the consumer of the right to reject the change before its effective date ; ( 2 ) provide instructions for rejecting the change, and, if applicable, ( 3 ) contain a statement that if the consumer rejects the change, his ability to use the account for further advances will be terminated or suspended.
Consumer complaint received 2023-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

On XX/XX/2023, I sent a letter to the company to provide me validate the alleged debt that they are reporting on my credit reports. They also never sent me a dunning letter to allow me the opportunity to dispute the validity of the alleged debt before reporting it to the credit reporting agencies. 
I am demanding that they close this account in their office and delete it from my credit reports.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2016-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GRANITE STATE MANAGEMENT & RESOURCES (NM)

Please consider a review of the Federal Student Loan program, and the conduct of Federal Loan servicers. 
Item : 1. Overpayments being used to offset future payments. 

As a student loan borrower, if you make an additional payment, or pay over the monthly amount, servicers are applying the overpayment against future month 's payment. 
This is incorrect. 
The payment amount is based on the amount of time that has been agreed to in paying off an loaned amount - any increases in payment or payment speed should shorten the principal amount owed - and thereby the amount of time required to pay. 

What these Student Loan servicers ( Granite State Management & Resources in my experience ) are doing is maintaining the original amount of interest due by not reducing the principal with amounts over the payment amount or payments that occur earlier than the agreed-to payment dates. 

They should not be allowed to receive any more amounts in interest than what is equivalent to the interest rate times the amount of funds x time borrowed. 
They should not be allowed to " tack time on '' to increase the total interest payment amount, or maintain an artificially-higher level of payment distribution towards interest than towards principal. 
The requirement to a separate payment ( by mail, phone, etc. ) in order to get additional payment amounts to apply towards principal is in no way designed to assist the borrower. 

This is equivalent to a pre-payment penalty, and should not be allowed to be applied towards federal student loans just as prepayment penalties are no longer allowed to be applied towards private bank credit cards or any other private loan. 
This is ESPECIALLY predatory, since the loan can not be discharged in bankruptcy and certainly should not be allowed with Federally-guaranteed loans. 
Thank you for your consideration, and your service.
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have made attempt to contact Capital One for over a year in regards to my account. I spoke to a representative a few months back and asked her to send me the information they used to report my account as a charge off to the credit bureau. Instead of sending me the information, they sent me a form to fill out. I sent the form back twice and they never sent me the information. They have yet to verify the information that is reporting on my credit.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 XXXX XXXX XXXX XXXX XXXX