davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Regarding XXXX Credit Card accounts with XXXX. XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My XXXX also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year XXXX transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES to the IRS and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2015-12-17
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Campus Student Funding, LLC (GA)

Through research I had to find out how the payments were to be made into which I found out the payments were to be made electronically through an ACH ( automated clearing house payment ) form. Well all I wanted to do was terminate the ACH form and pay for the lease through my own means and their website into which you can pay by check or credit/debit card. It states on that form that a submission in writing must be made to MotoLease LLC. for whom the lease is though in a reasonable amount of time for them to respond. I then called MotoLease LLC. to verify that the address I had mailed the letter to was correct. Which it was, but upon verification I spoke with an XXXX at the time and I was notified I would have to pay a security deposit of {$300.00}, and it is not listed anywhere on the ACH form or the lease terms. During that same call I asked XXXX could they waive the fee for that because it is not listed anywhere in the terms and to speak with management I was denied was told my information would be passed along. I call back today ( XXXX/XXXX/2015 ) spoke with another representative today asked about the information and still was not given an answer, but I was told this time that the security deposit amount was {$500.00}, and was apologized to for being given the wrong information. Again I asked to speak with someone in management was denied again, but was told by the same rep ( whose name I did not get ) that they would just cancel the ACH form and I could pay online into which steps I have listed above. To add I was not told by the dealership XXXX ( XXXX ) or even MotoLease how the payments were to be made I had to research all of this information for myself.
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One is listing XXXX 30 day late pays from XX/XX/XXXX on my credit reports that were due to my bank account being compromised during the XXXX hack that started in XX/XX/XXXX and went to XX/XX/XXXX. This XXXX hack affected my bank debit XXXX card, which the turn of events led to having to close and reopen an account, re-do and re-setup all payments, temporarily have no access to my cash, and created an affect where i fell behind on payments, due to NO fault of my own. AGAIN, This is NOT an issue of not paying, this is an issue of being unable to pay due to a fraudulent hack of banking info! I have been trying to clear this up, and explain the situation, and how per the law, i am not responsible when it is caused by a hack or identity theft. Every other creditor has been more than courteous and helpful in cleaning up this mess, yet Capital One still reports these XXXX 30 day lates even though it was not cause by me. I originally filed a theft affidavit and did everything i was supposed to do regarding this data breach, and yet i get no resolution from Capital One. I would please like Capital One to finally update their records and remove these 30 day lates from my record due to this original breach that cause me to lose temporary access to my account and money and fall behind temporarily.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2016-01-04
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

Grounded an Infiniti Lease XX/XX/XXXX early, though due back XX/XX/XXXX. Leased a Nissan this time around, XXXX XXXX ( Mgr-XXXX ) contacted Nissan-Infiniti to make sure I would be able to qualify for the " Pull-Ahead '' program. I did the same thing, not taking his word, to make sure and he also provided me with the terms of that " Pull-Ahead '' Early Lease Turn-In, prior to finalizing the new Nissan Lease. After calling Nissan-Infiniti Lease/Finance Customer Care multiple times to verify this would not be an issue turning in an Infiniti to lease a new Nissan, and was informed that I did in fact qualify. XX/XX/XXXX, called again to confirm and verify after getting another letter about non-payment of last lease payment, oddly I 've been paying impeccably on time. Why would I refuse to pay my last payment and lease a new Nissan, almost 3-4 weeks ahead of it due date, I could have kept my lease, paid this last payment and leased the Nissan XX/XX/XXXX. Now XXXX the Loss Recovery at Infiniti tells me its my fault, I figured this is how they ( Infiniti-Nissan ) would operate after the fact. Someone ( s ), was grossly negligent in providing inaccurate information or XXXX failed to properly provide it 's customer service reps with the adequate training and information to provide customers with the right information. Now someone wants to claim stake, that an Infiniti lease end program gave alternative dates. LIE. I was negotiating multiple Infiniti dealers for favorable lease terms from XXXX, XXXX, XXXX, XXXX and none of them mentioned anything about a Lease End Pull Ahead Program or such dates about XX/XX/XXXX-XX/XX/XXXX. Why is it that they do n't even know, did n't know, including Nissan dealers from XXXX, XXXX, XXXX, XXXX who also did n't know about this Pull Ahead program? I even pulled my credit at multiple Nissan Stores, and they had n't heard of such a program. I think Infiniti-Nissan discrimates on who and when to use this selective " Pull-Ahead '' program for its Infiniti or Nissan customers, if their dealers do n't even know they had such a program, and XXXX XXXX happened to stumble on it. I have a XXXX XXXX XXXX XXXX, collections letter claiming {$640.00}. I could have paid it instead of leasing a new Nissan, all someone had to do was say that I DID NOT QUALIFY, and I would have used a perfectly fine Infiniti until XX/XX/XXXX, I had no rush to part with my luxury Infinity and lease a substandard Nissan, when I was in the zone of the lease end/lease turn-in period. Information crucial, and I am beyond certain that Infiniti-Nissan failed to properly communicate such promotion or program to its dealers, and its returning customers, then later falsifying that lease customers did or did not qualify and charge them with the last XXXX payments, as the program specifically only allowed up to the last XXXX payments waived.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

My wife and I received a call from a person identifying herself as XXXX XXXX, an employee of HSBC Beneficial and employed in the Underwriting Department. She contacted us regarding an offer to modify our loan and faxed us XXXX pages of information describing the process. The information we received stated that our monthly mortgage payments would be reduced by several hundred dollars as well as the interest rate. The information stated that we would first have to make 3 trial payments of {$880.00} beginning on XXXX/XXXX/2015. The next 2 payments would be due on the XXXX of the month for the same amount. I asked XXXX XXXX for an address in order to give to my bank to set up the payments. She stated she would call us back XX/XX/XXXX to give us the address to send the payments. It sounds too good to be true since we had just completed a modification a few months ago with HSBC. I also had difficulty understanding the person I spoke with because of her foreign accent. Can anyone shed some light on this?
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have disputed to Transunion XXXX different times to get off inquiries, that are on my credit report, that I never gave permission to be on there. The response I got from Transunion each time was only within 2-4 days and came back as legitimate. There is NO WAY they could have investigated anything within that time frame. It even says that the credit companies have 30 days to dispute, my disputing of inquiries. So how can it be done within 2-4 days total each time!? They are not doing anything about them. Its unfair that I have so many inquiries that I would have never allowed through to my credit report. 
XXXX makes disputes way to confusing to even try to being there also. 
Another car company did this exact same thing to me in 2013. 
Thank you for your time with this matter. 
XXXX XXXX
Consumer complaint received 2015-12-17
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: AES/PHEAA (PA)

Dear CFPB : I am an XXXX XXXX veteran who is attempting to purchase a home and I am unable to do so because AES/NCT has an inaccurately reported XXXX accounts to the creditor bureaus containing an inaccurate " charge-off '' date. This is killing my credit score and I can not get it changed despite contacting the bureaus and the creditor. 

Could you please contact AES/NCT and ask them to correct the inaccurate " Charge-off '' date of XXXX, XXXX on my XXXX Credit Reports. This inaccurate " Charge-off '' date is listed incorrectly on all XXXX national collegiate trust accounts. See Credit Report. 
National Collegiate Trust Accounts Charge-off date 1. Account XXXX. XXXX XXXX, XXXX 2. Account XXXX. XXXX XXXX, XXXX 3. Account XXXX. XXXX XXXX, XXXX 4. Account XXXX. XXXX XXXX, XXXX 5. Account XXXX. XXXX XXXX, XXXX All XXXX National Collegiate Trust accounts were 150 days late in XXXX, XXXX. All XXXX National Collegiate Trust accounts were 180 days late in XXXX, XXXX. 

As far as I can discern, " Charge-off '' means that a creditor bank no longer carries the student loan account receivable on the creditor 's bank books as an asset. Under federal regulations, a private student loan lender must charge-off a student loan account receivable after it has been delinquent for 180 days. See XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX. The " Charge-off '' date should be XXXX, XXXX. 

Please contact AES/NCT and ask them to correct the inaccurate " Charge-off '' date of XXXX, XXXX on my XXXX Credit Reports and change it to XXXX, XXXX. 
Thank you.
Consumer complaint received 2015-11-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Collections Enterprise, Inc. (NY)

This organization, American Collections Enterprise Inc., has constantly called my home with a ridiculous recorded message for some who owned this property several years ago, sold the property, and moved away owing considerable debts. ACEI has been calling my unlisted number in an attempt to reach this individual. I do not pick up these recordings to engage with these organizations, and am under no obligation to tell them that I am not the person they are hunting.
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (AZ)

I have no recollection of what this debt is, I have been hassled and threatened by this collection agency, the caller never identified himself as a collector and never read me my Mini Maranda Rights but instead told me that my credit will be ruined if this debt is not paid.
Consumer complaint received 2016-01-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Received letter from IRS proposing changes to our 2014 form XXXX because reported cancellation of debt form XXXX from Credit Acceptance Corporation which created a tax bill with penalties and interest. We never received a XXXX from this company. The only dealing we had with this financial institution was over 20 years ago and do n't have a valid debt with the company.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (AR)

According to documents that were sent to me prior to the approval of the refinance of my mortgage, there were some services related to the title of my property that I could shop for. I called a local title company and found that they had slightly better rates than had been quoted by the mortgage company, so I got their information to share with the mortgage company when the time came. When I was notified that my loan had been approved and I indicated that I wanted to use the title company I had identified, I was told that my loan had already been assigned to another company and that if I wanted to use the company I had identified, it would result in a two-week delay in the closing of the loan, pushing the closing past the lock-in date for the interest rate. I chose not to pursue the closer that I had found and went with the service the mortgage company had chosen. The person who came to my house for the closing on the loan was ill-prepared, so that she had to examine every document to see if my signature was required and where it would go. There were some documents that applied to her, but I had to sit while she read them to determine what needed my signature.
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NJ)

Bonus miles not applied to my account. The bonus miles are claimed to be available only if you use the card for a minimum amount of purchases in a three month period after account opening. While this is clear on the airline 's website, the terms and conditions as advertised, are not clear on the bank 's site. Using the internet archive, the website, as I saw it at the time of account opening is not available.
Consumer complaint received 2015-12-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

we keep getting calls from midland credit which we do not or ever had any loans with and when we answer the phone they do not respond but when we call them back they want our phone number and we told them to quit calling but they keep calling our house
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

I have previously disputed the entry of a tax lien # XXXX from the XXXX XXXX XXXX XXXX Court and have received a confusing response to the investigation of case # XXXX on XXXX XXXX XX/XX/2015. I am again asking that the provided documents be looked at again and that the lien record be removed due to the filing of a null and void of the judgment issued by the Ohio XXXX XXXX XXXX and XXXX XXXX courts. This decision vacating the judgment was due to the lien being filed in error, as indicated in several sources, and public record. I recently tried again to have this corrected by Equifax and it is currently pending under case # XXXX. Both XXXX and XXXX have removed this entry, and I feel that Equifax should also do this and work towards improving their response to these issues as there are a plethora of complaints on the internet about this same issue.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

I have a collection that 's been showing on my Experian and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with Experian or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is XXXX, they also go by XXXX XXXX XXXX XXXX XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (IL)

I 'm the sole account holder of the Macy 's XXXX credit card and I gave no one authorization to use it nor did I add anyone as an authorized user. Someone used my social security number, name, address but not the physical credit card to buy merchandise worth {$7800.00} at Macy 's XXXX As a result of these fraudulent charges, I 've asked Macy 's XXXX to close my credit card account yesterday. 

More than an year ago I 've placed a security alert on my credit card account by requesting the customer service of Macy 's XXXX to verify the person 's ID before allowing purchases and allow purchases only if the Full name on the ID matches the Full name on the account and the face picture. When I called about the fraudulent charges on my account, I was told by their customer service that due to the busy holiday season, the associates were liberal and that they may not have always the time and liberty to check for the persons ' ID and that they allow purchases as long as they can pull up the account by social security number even if the person does not have the physical credit card with them. I would like to report Macy 's XXXX for not following the security guidelines I requested to be in place on my account and for letting someone who knows my social security number to use my account to buy merchandise worth {$7800.00} when actually my credit limit set by Macy 's XXXX is {$1200.00}. The current balance on my account is over {$9000.00}. I ca n't afford to make even the minimum monthly payment which is around {$260.00}.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I sent the form to request my free annual credit report from each of the XXXX bureaus. I used my XXXX number in the place of a social security number. I received a letter from Equifax stating that they needed me to send in an identification form with a Social Security number. I called Equifax and spoke to an agent named XXXX, who told me that I could n't submit a request using my XXXX number. I asked to speak to her supervisor. Her supervisor did not know how to handle the request. They gave me a fax number to send in documents to prove my identity. It is important that I access my credit report because for the past couple years, I have been receiving debt collection letters to my address that are not mine. I believe that I may be the victim of identity theft, which is causing me a lot of stress. I would like to resolve this issue as soon as possible. It should not be so difficult to access my credit report using my XXXX number.