davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WI)

Nissan has a basic manufacturers warranty on their XXXXXXXX XXXX of 3 year/XXXX miles & a 5 year XXXX miles power train warranty. I purchased an extended service contract for an additional {$2500.00}. Today XX/XX/XXXX, I contacted XXXX XXXXXXXX XXXX. The provider and administrator that XXXX XXXX used for the extended warranty. The representative confirmed that I had the platinum plan, which I learned, today, actually started XX/XX/XXXX ( the day I purchased the car ) and is good until XX/XX/XXXX or XXXX miles. Now my vehicle ( a XXXX XXXX XXXX XXXX ( which has XXXX miles ) needs some mechanical work completed. As Im out of the warranty window on both the manufacturer warranty AND the extended warranty I am paying out of pocket. My understanding with extended or the way it was explained to me upon purchase was that when Nissans manufacturers warranty ended, the extended one would kick in providing additional coverage. NOT run parallel to what I already had in place. XXXX XXXX XXXX recommended I contact the dealer and request a refund they could see that I have never used the warranty. I did as suggested. The dealer denied on the basis that I was past the mileage. This wouldnt be the case if it was a true extended warranty. For example ; I have to drive 20 miles one way to work. Thats 40 miles round trip. 5 days a week equals 200 miles which then becomes 800 miles a month. Of course there are other obligations like my kids school which is 390 miles a month or the grocery store, dr. appointments, etc, but you get it. That extra XXXX extended miles for {$2500.00}. Gone. In less than a year AND not even used for car repairs! XXXX deceptively sold a product and unnecessarily overlapped it with their own manufacturers product.
Consumer complaint received 2015-12-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

This is a complaint against Encore Capital Group and its continued collection of a debt while the account was under investigation and is still under investigation for fraudulent charges. On XXXX/XXXX/XXXX the judgement against me initiated by Midland Funding was set aside because of lack of sufficient service. The writ of garnishment was squashed. In court, I was handed an overview of the account ending in # XXXX and I stated in court that charges that created the balance were not mine. ( see minute entry XXXX/XXXX/XXXX and XXXX pages of spreadsheets printed by Midland Credit Management ) The funds that were obtained from the first garnishment that was quashed, my employer had to assist me to get the funds returned from Midland Funding LLC. ( see attached emails dated XXXX/XXXX/XXXX ). Over the course of next several months, I filed XXXX motions to compel against Midland Funding LLC, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but was told both times by Midland Fundings ' attorneys, they had no more information on the debt. At the XXXX/XXXX/XXXX Motion to Compel hearing the Judge ordered an FTC Fraud Affidavit to be filed. XXXX See minute entry XXXX/XXXX/XXXX ) I sent the FTC Fraud Affidavit along with a Police Report to XXXX XXXX XXXX Attn. Fraud Investigation. I informed Midland Funding LLC. I was a victim of fraud and I had submitted my FACTA request to the creditor. XXXX see letter dated XXXX/XXXX/XXXX to XXXX and XXXX XXXX After filing a CFPB complaint # XXXX against XXXX the original creditor, the FDIC opened a complaint ref # XXXX dated XXXX/XXXX/XXXX. That complaint is still unresolved and the FTC Fraud Affidavit is still an outstanding issue on this account. On XXXX/XXXX/XXXX Midland Funding LLC sent me the notice of wage garnishment to collect the debt ( see Response To Initial Notice Judgement Debtor/Request for Relief of the Order for " Writ of Garnishment '' and supporting documents ). In XXXX XXXX Midland Funding LLC garnished my wages for the Judgement dated XXXX/XXXX/XXXX for a total {$1500.00} On XXXX/XXXX/XXXX, despite my objections because of the fraudulent charges, Midland Funding LLC still requested a Motion of Continuance for there garnishment.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

There is Public Record Information on my credit report that I am challenging as inaccurate in its filing. First, the term " Dismissed '' means that it is adjudicated by the law, IT DOES NOT EXIST!! Since my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. It is obvious that the credit bureaus have retrieve my information from a third party entity without my authorization. The agencies state that the VERIFICATION comes from the " origin '', this is INACCURATE. The Bankruptcy Court ( THE ORIGIN ) has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. Please advocate for me in this challenge.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (NJ)

It is very, extremely hard to put a fraud alert on your credit report. The credit bureaus make the process impossible. I just received a letter in the mail that someone tried to apply for credit in my name. This is the only information I have, so I go online to do this fraud alert, and the bureaus want me to order a credit report first. UNACCEPTABLE. I should just be able to get this added ASAP. Why should this process be so hard, while I am trying to get this done and my identity is getting stolen as we speak!!!!!
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AR)

On several occasions I have requested that " Paid Civil Judgment '' be removed as derogatory remarks from report. Docket # XXXX for {$3500.00} has been removed. However, Docket # XXXX for {$4000.00} has not. It clearly reflects as Paid, as did the other one, and yet they continue to ignore my requests to remove it as a derogatory item.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

I have been having issues with first investors since XXXX. I have disputed this account several times and even reached out to first investors in an effort to settle the debt, but no agreeable arrangement could be made, and any help in this matter would be greatly appreciated. I had an auto loan with first investors since XXXX, and I have paid faithfully until XXXX. In XXXX I began to notice that my account balances to raise instead of dropping and other inflated charges began to appear. I called to inquire about account balance and was consistently met with hostility. with no other option available in XXXX refused to make any further payments until an audit of my account was completed. first investors finally repossessing the vehicle mid XXXX and selling it. I started disputing the information reported to the credit bureaus immediately. with every dispute The debt came back as valid. upon hearing about the lawsuit XXXX lawsuit between the CFPB and First investors, I reached out to FIFS in an attempt to settle my account but FIFS would not respond. This issue has been a major issue impacting my credit since XXXX and I believe I have made every every attempt to resolve this issue. Any help with this issue will be greatly appreciated. 


I have attached the most recent copy of the information reported to experian. showing over 4 years of on time payments at {$510.00} with over ( {$30000.00} ) invested in the vehicle.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

XXXX removed this from all three beaurus and even sent me a letter stating this fact as it was a paid in full account, however it reappeared and was not updated as having at least a {$XXXX} balance. Attached are receipts and communication with XXXX. Despite multiple calls with XXXX agreeing to remove the incorrect information, 60 days later it still appears incorrectly and negatively is impacting my score as a result. The attached receipt shows this was paid in full XX/XX/2016. They also sent a letterhead showing 0 payments owed, 0 lates, etc. But it is reporting as being 1 month late. We are now in XXXX and it is still incorrectly appearing.
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (WA)

XXXX XX/XX/XXXX second loan with this bank two separate loans. First was XXXX XXXX dollars purchase single XXXX home XXXX XXXX no land attached. XXXX XXXX XXXX notorized and requested my XXXX XXXX XXXX dollar loan with land as collateral for purchase of XXXX XXXX, location XXXX XXXX XXXX XXXX valley XXXX XXXX of XXXX XXXX. Deed recorded at Auditor 's office XXXX XXXX XXXX of XXXX. Washington Mutual Bank gave me XXXX XXXX XXXX dollars XXXX XXXX. XXXX XXXX XXXX passed XXXX land deeds to XXXX XXXX XXXX first was recorded in XXXX Wa XXXX of XXXX. Other XXXX XXXX XXXX stamped XXXX WA XXXX of XXXX. Public sewer did not come in too my property till the XXXX of XXXX XXXX. My XXXX mobile sat empty till XXXX of XXXX. JP Morgan Chase has been trying to bully me out of my land, I requested their research department to secure the land deed and Estimate acreage from their XXXX Wa Branch XXXX XXXX. They did nothing. First complaint to Attorney General XXXX XXXX public XXXX ref. Complaint XXXX of XXXX. Ref complaint of XXXX XXXX
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (OH)

1 ) i notified XXXX that on XXXX, XXXX 2016 i sent XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA 807 ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by equifax has not removed the report i sent XXXX more letter to XXXX XXXX XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that equifax remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (OH)

I have contacted American Express several times to get my promised promotional apr applied to my account as agreed in the recorded call. After I spend money and charge items to my account, I get a billing statement showing the normal APR. I contacted Amex to see why the promo apr of 0 % for 12 months was not showing as it was effective XXXX/XXXX/15. The customer service rep said there are no such offers and told me I was mistaken. I escalated to a supervisor who told me the same thing. She offered me a rate of 18 % - however I declined and said no. I wanted the promotional offer as accepted. The supervisor changed my apr to 18 % without my consent. I escalated to the next level, who told me she would review the call and call me back in 48hrs. Her name was XXXX in XXXX XXXX, XXXX. She never called me back. I called and had to have someone else put a request in to review the call as she never did it. I made several calls back to Amex. I requested to speak to a US rep multiple times and was denied that request and was transferred back to foreign call centers and even the IVR. After 5 hours of phone calls my issue was halfway resolved. I faxed in a complaint XX/XX/XXXX and have never heard back. I also called back XXXX additional times to speak to a manager and was denied that request. I was informed I would receive a call back in 24-48hrs. The calls never came. 3 times I was promised a call back and a manager never called. I need to speak to a manager to help me resolve my concerns.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

ITS FRAUD. I tried to contact the Credit Bureau but they didnt fix it. My name, address are incorrect, its a violation of he FCRA. Its unsafe to have wrong information about me like this. 
The report has a lot of variations that doesnt exists. 

My name is XXXX XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Phone number XXXX. 

I am sending proofs. 

Its unsafe for me and its a violation.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (FL)

I failed to notice for a few months that my American Express card had raised my interest rate on new purchases. Therefore, I have been making payments in excess of my minimum payment requirements in an attempt to pay off this higher interest balance. However, I have discovered that my the entire portion of my payment up to the minimum amount due is only applied to my lower interest rate balance. And that only the amount of my payment over the minimum amount due is applied to the higher rate balance. Is this disportionate application of my payment legal?
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I filed a chapter XXXX bankruptcy XX/XX/XXXX, see documents attached ( It 's been more than 10 years ). I filed a Chapter XXXX, discharged XX/XX/XXXX, see documents attached ( t 's been more than 8 years ). Equifax refused to remove it after I called them regarding a removal request. Experian has not remove them either. XXXX complied and removed both records from my credit report. See FICO credit report attached. I am XXXX and a XXXX retiree and my only hope is your assistance regarding this matter as this information affects my credit greatly. I am so grateful for your service! Thanks o much : )
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

XXXX, XXXX, XXXX GA XXXX reported a Debt collection was reported to EQUIFAX on XX/XX/XXXX from a first Delinquency date of XX/XX/XXXX for a debt of {$280.00} from a Rental/Leasing Client XXXX. My response to EQUIFAX was that this was beyond the XXXX Of XXXX statue of limits for notification of debt and wanted it removed from the credit report. EQUIFAX report back that this does belong to me and left it on the report.
Consumer complaint received 2016-07-01
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin Lublin, LLC (GA)

XXXX XXXX and their foreclosing firm, Rubin Lublin has wrongfully collected funds from the sale of my foreclosed house. XXXX billed and collected money from me beyond what was fair and legal. 

The attached ledger shows that in their statement of what I owed, XXXX billed me twice for the foreclosing attorney 's fees. 
Arrowed XXXX and XXXX in the attached documents. 
I was charged {$660.00} on XXXX/XXXX/2016 on behalf of the attorney 's firm, Rubin Lublin. Then the same charge was billed to me again on the ledger of attorney fees, which I was billed again {$660.00} on XXXX/XXXX/2016, then {$75.00} XXXX/XXXX/2016, and {$310.00} on XXXX/XXXX/2016 all on behalf of the attorney. The {$660.00} appearing twice is a double billing and an improper charge. 

The attached information also details property inspections by XXXX for 3 years which I was not aware of, I was not notified,, I was never billed, and the payment for these so called property inspections they claim are paid by their corporate office without my knowledge and consent. They have collected {$1300.00} for these inspections, which I knew nothing of. They billed for these inspections even in months when my mortgage note was paid, and they never notified me. It is fraud and unfair act against FDCPA. 

Rubin Lublin also collected additional {$690.00} fees from the surplus of the sale after all their services had been billed and collected by the lender from me. I complained to the firm that it is atrocious, and any agreement of charges was between them and the lender who hired them. Since they were hired by the lender and paid by the lender who billed me for all fair services, under the law, any direct additional billing by Rubin andLublin is unfair under FDCPA and I do not agree.
Consumer complaint received 2015-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I was in XXXX relationship and got out XX/XX/XXXX. I found out two weeks ago my ex, filed Bankruptcy Charter XXXX. I am and was not on this Bankruptcy. I do not want this to reflect on me, because I do n't think that would be fair for me. I would like to find out if it is on my credit report so it can get remove. Please help me. 
Thank you.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

XXXX did not have authorization to check my credit for a service I had inquired about. In fact, I specifically said to NOT check my credit after which the XXXX representative lied and said they would not check my credit. Later I see that XXXX, in fact, checked my credit and gave me a negative disposition. When I formally complained to Equifax that the credit check by XXXX was unauthorized and should be removed from my record, Equifax investigated and gave me a standard message saying basically that XXXX checked my credit. According to XXXX their calls are recorded so I know that my stating specifically to NOT check my credit is a part of the call. Equifax has a dispute option that says " unauthorized credit check '' but it does nothing if you say a credit check was unauthorized and continues reporting negative information on your file.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NV)

Equifax changed the name on my credit file after XXXX fraudulent credit application. The name used on that fraudulent application was incorrect and not a verified alias. They refused to change it back to the correct name when I reported the identity theft to them unless I submitted a copy of my social security card, but did not offer a secure way to do that. They informed me that if I applied for credit using my correct name they could change it back, but a valid police report was not acceptable to fix it. The person that fraudulently used my social has continued to open accounts and even accessed my existing accounts. I believe this theft may have been unintentionally aided by the incorrect information at this major credit reporting agency. I have not been made aware of Equifax doing any sort of investigation into this matter.
Consumer complaint received 2016-02-20
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (NM)

We rented a car. A third party service that has an automatic toll payer ( like XXXX ) billed us for using their service, which we did not use. AmEx and XXXX acted as if the charge was legitimate. It took three times corresponding with them before they dropped the charge. They acted like the burden was on us to prove we did not incur the charge and they sent " evidence '' that proved nothing. It was harrassing, and most consumers would simple have capitulated. I happen to be a lawyer, so I pushed the issue. We feel that these companies ( XXXX XXXX XXXX, XXXX, and AmEx ) are using their corporate leverage to rip people off, and we 'd like to know how often this happens with these companies in particular.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OR)

Sent dispute to Equifax on XX/XX/XXXX. As of XX/XX/XXXX dispute was " pending '' Contacted Equifax and received conflicting information. An agent named XXXX stated " Equifax can take as long as they need to investigate a dispute. ''
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IA)

Equifax has many times refused to investigate the underlying debt from XXXX that produced a lien from the State of Michigan, even though that lien and the underlying debt was disputed and eventually deemed not owed. Due to the lack of response from the State of Michigan, it took over year for the lien to be removed after the state was legally required to remove it. 
Equifax continues to confirm that the lien was there up until XX/XX/XXXX, but never looks at the underlying debt date and disposition. They refuse to do a full investigation on this item and refuse to remove the lien that was based on a debt not owed from over 10 years ago.