davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (TN)

On XX/XX/XXXX I had a promise to pay credit acceptance XXXX for my car XXXX XXXX XXXX. On XX/XX/XXXX I paid XXXX on XX/XX/XXXX I paid XXXX and on XX/XX/XXXX since the website would not let me make a payment on the XXXX I paid XXXX have my car not paid in full. Well on XX/XX/XXXX I was about to go pick my son up and my car was gone! My car had been repoed. So I called credit acceptance and asked had they repoed my car cuz I paid my Carnot they said they did not have a repo out on my car to call the metro police to see if my car had been repoed. Well I called the police to see and they said yes it has I'm wondering why since last week I paid my car note. So wen I had called credit acceptance back they said my car was repoed since I paid on the XXXX not the XXXX but why would u take my money if I was past the promise to pay date. They also said they could not do anything that I would have to pay XXXX to get my car back and I jus gave them XXXX the week before sucks
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have complained 2 times before & the last time did not know if it went through. 
I have not been able to access my e-mails since XX/XX/XXXX.. I am scheduled for a summary judgement tomorrow & yet the mortgage company has falsely denied me a loan modification of which I a very capable of paying. 
This has been over 3 yrs & was with the previous lender- XXXX . then Nationstar became Mr. Cooper & they have FALSELY failed to apply all of my income & put false fees in with my expenses- I have NEVER paid self- employment taxes on my rentals. They lied & stated my application was incomplete & it was NOT. I filled out loan modification papers at least 7 times. They are deliberately denying my modification. They failed to apply my mortgage payments from XX/XX/2015 of which I made. I have lived at my home for over 23 yrs. & am XXXX & XXXX yrs. of age.I have done EVERYTHING required & never been denied a mortgage before & did 3 other loan modifications with another company & all has been fine.when I was ill a few yrs. ago. This all started with one late payment & now they have ballooned it to this point. I appealed the denial & they have ignored me. PLEASE HELP ME!!!! Thank you
Consumer complaint received 2018-06-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: United Group Inc. (OR)

On XX/XX/XXXX I was notified by XXXX XXXX that there was a change to my credit report upon review it was United Finance submitting as if I was applying for a loan. I have not applied for anything since XX/XX/XXXX with this company so I called on XX/XX/XXXX I called United Finance to see what it was about and was told it was to garnish my wages. I then inquired what for they advised for a auto loan that was taken out in XX/XX/XXXX. I disputed the claim and was sent a letter for ID theft asking for copies of my ID which I would not send. Then I contacted them again the next week to get balance and last date of payment and judgement date and court filed at I was told balance is {$12000.00} don't have record of last payment judgement dateXX/XX/XXXXXX/XX/XXXX and through XXXX County. I had sent a request to XXXX County to get a copy of court documents in which it states that a letter was mailed to a address that I was not at for at least 1 and half years prior. Still to this date I have not received one notice from United Finance even though they say that they sent statements. This loan was originally for {$2000.00} now almost 20 years later they are wanting over {$12000.00}. Per the court papers principal balance is {$1600.00} and filed on XX/XX/XXXX which is well past the 6 year statue of limitations.
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have a 15 year fixed mortgage with Santander Bank. I paid off the full balance on XX/XX/XXXXbut the XXXX tax document of XX/XX/XXXX never arrived. I called Santander bank and was transferred to the new servicer. The new servicer said that they took over in XX/XX/XXXX and could not find my information based on provided loan number, name and property address. No help provided despite the follow up.
Consumer complaint received 2018-06-06
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. (MO)

After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX Credit Cards ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - Telephone ( XX/XX/XXXX )
Consumer complaint received 2018-06-06
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. (MI)

I have disputed the inaccurate account XXXX XXXX ( XXXX ) collecting for ( XXXX ) in the amount of {$1000.00} on three different occasions to all three credit bureaus. The credit bureaus are not properly investigating or taking my disputes seriously. I am entitled to a fair, accurate and substantiated credit report. This XXXX continuous reporting this account and has not provided the credit bureaus or myself any substantiated or verifiable information that this has ever been my account. This is not my account and has never been my account.
Consumer complaint received 2018-06-06
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. (MI)

I have disputed the inaccurate account XXXX XXXX ( XXXX ) collecting for ( XXXX ) in the amount of {$1000.00} on three different occasions to all three credit bureaus. The credit bureaus are not properly investigating or taking my disputes seriously. I am entitled to a fair, accurate and substantiated credit report. This XXXX continuous reporting this account and has not provided the credit bureaus or myself any substantiated or verifiable information that this has ever been my account. This is not my account and has never been my account.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IN)

I recently was going through a divorce and found out that my ex-husband was not paying my credit card bill my credit cardbill. And it was fairly delinquent I contacted the company made arrangements started making {$75.00} a month payments and they were hitting me with a {$38.00} late fee every month and interest on top. I have called them my payments went up to 90 some dollars a month still were hitting me with the late fees and interest started sending me harassing letters Im finally up to {$200.00} a month and Im still getting letters from the company theyre still hitting me for the full interest and the {$38.00} a monthly fee because my credit is still past due even know I making the payments before the bill is due. I am barely affording to put food on the table for my child but I managed to pay them {$200.00} a month when all the other credit card companies will work with me for little payments and then drop my interest-rate hardly nothing and removed all late fees if American Express would take off all the late fees and drop my interest my payments would become very reasonable and I could pay off the debt but they are unwilling to work with me at all all they want is more money and they just keep threatening me to collections. They hit me with a {$38.00} fee and almost {$100.00} a month in interest so you see that my balance is not going to come down quickly at all.
Consumer complaint received 2023-07-18
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. (MD)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-06
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: Convergent Resources, Inc. (CA)

XXXX, XXXX and XXXX all have been sent a request to investigate on these creditors that are on my reporting. Also hard inquires companies i have no clue about. I have been on a clean streak with trying not to get my credit up and have not open any accounts for these past couple years. but for some reason. these hard inquires have been showing up on my reporting and i dont know why they have not been contacted by the 3 main credit company about this. 

Also XXXX XXXX duplicate reporting for the same company is on my report i had only one account with XXXX XXXX XXXX. 

XXXX XXXX XXXX - XXXX XXXX - No idea who these people are file a couple dispute with XXXX and XXXX. still nothing. 

Fair collection and out - XXXX XXXX XXXX XXXX - Apartment - i returned keys already but they sent me to collection and damage my credit for keys that have already been returned.
Consumer complaint received 2023-09-28
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (GA)

Citi bank is reporting fraudulent information to the credit bureau in the name of my business XXXX XXXX XXXX. I have an account with them never received the card as I was a victim of identity theft. I sent a police report by fax to them XX/XX/XXXX between XXXX. I never received a response by mail, phone or email. I called to find out that they deemed the account as not fraudulent. However they filed to do a physical as well as digital investigation. They didnt check or receive camera footage from the home depot locations that were visited fraudulently. Nor did they receive any signatures ink or electronic for professional handwriting analysis. They are solely going off stolen information/ ip addresses that can be duplicated by devices sold on XXXX XXXX My credit has suffered tremendously and its hindered my small business from being successful as it should. Which is causing me stress. I requested the evidence by mail phone or email of how theyve come to this conclusion. This has been an ongoing matter for months
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have no idea where these accounts came from, but they have been recorded in my file. I started monitoring my credit because I want to buy a house, and I discovered these accounts that I have no idea what they are or where they originated from. I'd like to say the businesses have responded, but they haven't. They have failed to react to my request for clarification. I don't know where else to turn because this information is false, and I need assistance in contacting the appropriate authorities to complain about the violation of my rights and the identity theft that has occurred in my life. Please assist! - EQUIFAX XXXX XXXXXXXX XXXX XXXX XX/XX/2023, EQUIFAX XXXX XXXX XXXX XX/XX/2023, EQUIFAX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NV)

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-06-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

I've been told by my financial institution that i must cover all overdrafts by XXXX each day to avoid overdraft fees, on XX/XX/XXXX @ XXXX i had a negative balance of {$2.00}, I transferred {$4.00} to bring my account out of negative by XXXX. In the morning XX/XX/XXXX i received an email stating i was overdraft {$96.00}. When i called to speak to a representative on why i went into overdraft i am being told that transaction are not finalized until XXXX. 
This practice is unfair and predatory as the bank always now can charge you fees between XXXX XXXX XXXX and XXXX with no way for the customer to cover said overdraft.
Consumer complaint received 2018-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Previous account access denied XX/XX/XXXX First time, successful access to account. Hours later, account was deactivated. Tried to recover access to a previous account by changing password and using a different browser and was denied. " Oops, hit a snag '' was the response from the website. Three different reps were not able to help with gaining access instead, after saying they could get me logged-in, putting me on a brief hold ( 5mins ), and all saying the same thing : After coming back on the phone from a brief hold ...

CapitalOne : " It looks like we're not going to be able to access this account. '' " I thought that we could based on my understanding but will only be able to send you the requested information via postal mail. '' Me : I was just able to gain access and now I can't sign on CapitalOne : " Sorry, there's nothing we can do. '' Me : Ok, I need the statements from XX/XX/XXXX - XX/XX/XXXX and copies of any checks in the amount of : {$1000.00}XX/XX/XXXX I received the statements on XX/XX/XXXX but not the copied checks.

JXX/XX/XXXX I called a Capital One bank rep, explaining I didn't get the copied checks, the rep replied they have been sent to an encrypted file on my account. I told them, I didn't have access. XXXX ( Capital One Rep ) said that I should have access : a. Did I try to change the password b. try using a different browser c. put me on a brief hold d. sorry - we're not able to reinstate you for this account. We'll send you the copied checks I haven't received the final documents to this important information requested by the IRS.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

n 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 u.s.c. 1681.. Account Name... .. XXXX XXXX XXXX Account XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Account Name... XXXX .... Account name... XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... Account Name ... XXXX XXXX Account name.. XXXX XXXX XXXX XXXX  ... Account Name ... XXXX XXXX. Account Name ... XXXX XXXXXXXX XXXX XXXX 15 u.s.c 1681 section 602A. States I have the right to privacy.. 15 u.s.c. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ... 15 u.s.c 1681C ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.. 15 u.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2024-10-22
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. (MO)

I recently contacted law enforcement agency & submitted an ID Theft report. My consumer report has multiple misinformation fraudulent accounts opened using my personal information. This violates FCRA section 1681c & section 1681s ( a ) ( 1 ) & my right to privacy. 

Accounts ; XXXX XXXX, XXXX XXXX XXXX Address ;. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX XXXX for the account number XXXX The late payment is reported a dated XX/XX/year>, and I firmly believe this is inaccurate for the following reasons : I have always made my payments on time, apparently they have administrative errors Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

This is absolutely ridiculous!!! I have been disputing information on my report since last year. I am tired! I did not sign up for their membership and I've tried to opt-out of sharing my personal information from Experian with their affiliations and it has been nothing but a hassle with this company. I prepared an email today to cancel and opt-out of any and all affiliates, third parties, etc ... with Experian including but not limited to unwanted advertisements, sharing of my personal information to lenders, etc... Experian has a bogus email address on their website to opt-out. It kicked me out immediately. They provide an email address of consumerprivacy.experian.com on their website ( which is not a valid email address ). Please see my attached screenshot with the error message. They do not have an @ sign within their email address ( consumerprivacy.experianXXXXXXXX  ). Therefore, this is not a valid email address. It appears, they have no intentions of allowing you to opt-out. I'm sure if I'm experiencing this, others are too.