davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

I'm currently leasing a vehicle from Nissan Motors in CT and this lease ends on XX/XX/2021. I called Nissan and advised I needed a buyout amount on my current lease as I was leasing a new vehicle XXXX  XXXX XXXX that was not a Nissan vehicle. They provided me with the buyout amount. However, when the 3rd party XXXX dealership called to confirm and process the buyout as XXXX would be taking possession of the Nissan as a buyout, Nissan advised that there policy has changed and that they are no longer accepting buyout 's from a non Nissan dealership. 
I am now stuck with the re-stocking fee and all other wear and tear items that will arise at any normal end of lease experience and I lose the equity in the vehicle that the XXXX dealership offered me. 
I called the Nissan dealership I bought the vehicle from, as well as Nissan corporate / customer service and complained to anyone who would listen but I kept receiving the same answer which was that I don't own the vehicle and that the company had changed their policy and there wasn't anything I could do unless I wanted to get another Nissan vehicle.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$840.00} XXXX XXXX  XX/XX/XXXX {$4900.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX  {$250.00} XX/XX/XXXX = Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-05-19
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: National Credit Systems,Inc. (NY)

I received a response to a former complaint on cfpb by National Credit Systems, that they will be removing an inaccurate collection account on my credit profile from each credit bureau on XX/XX/21. This inaccurate collection account remains on my XX/XX/XXXX credit report and National Credit Systems have been unresponsive to my request to delete this inaccuracy from my credit report immediately as its still currently showing on my profile and its negatively affecting my ability to obtain credit. They have NOT deleted the account as they promised to do so accordingly.
Consumer complaint received 2024-08-30
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 kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

It is evident that these fraudulent accounts were orchestrated with malicious intent, as they were intended to harm my personal credit and financial well being.

Please DELETE/BLOCK THIS INFORMATION IMMEDIATELY! 



Please block the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-05-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at XXXX, as well as my response to his note, which confirms the mistakes that XXXX made on their end with regards to processing my multiple payment attempts. 

Please note that in the midst of this, XXXX completely changed their online system, and as a customer, I had to re-create my login completely - with no warning. 

Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with XXXX now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX XXXX. They continue to say that my banks are rejecting the payments, yet the banks have NO record of XXXX even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this. ''
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Two items have has been placed on my credit report by LVNV Funding LLC, that is fraudulent and that I had no prior knowledge of. This matter didn't arise until myself and my expecting fiancee were denied housing because of this matter. I have now retained legal representation in regard to this damaging issue and am seeking a removal of these item ( s ) from my credit report, while this matter is being pursued further. If these items are not removed or deleted from my credit report while being investigated and reviewed, action will be taken by legal counsel against the company.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (CA)

Someone used my information to open accounts at XXXX XXXX XXXX XXXX XXXX and now they sent my information to a collection agency who has harassed me into paying money on a fraudulent opening account, Ive filed complaints with them and the XXXX, they refused to correct this and went ahead and reported this to my credit!! This account was allowed to be opened even though Ive a fraud alert and frozen my XXXX, they still opened it and allowed transactions.
Consumer complaint received 2021-06-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Some one please help me. I have viewed my credit report and saw some inaccurate accounts, so I sent in my disputes to the credit bureau as is my rights. As of now they have not responded whatsoever and this is really affecting my opportunities. This is beginning to feel deliberate and with so many people in this country why would they target me? I have done all that I know to do. I have even researched the laws about this which is why I am filing this complaint. The laws said that they have 30 days to investigate but that timeframe has come and gone. The laws said that they should send me results of their investigation, but I have received absolutely nothing from either credit bureau in regards to " any '' of my letters or concerns. I am frustrated that they have the authority to report wrong information, yet have the audacity to blatantly ignore my disputes about the way they are falsely representing me and my interests. This is my life and they may not care, but I take this matter very seriously! I demand that the inaccurate items in question be deleted at once.
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This is the second time I have sent out a complaint about this account that I have already paid off. This account needs to be removed and deleted from my credit report due to the debt being paid in full, the following account is listed below : CAPITAL ONE # XXXX
Consumer complaint received 2021-05-19
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. (NY)

I submitted an dispute to the bureaus 30days ago about medical bill being reported on my report. This violates my privacy, my security and violates HIPPA which is against the law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records.
Consumer complaint received 2021-05-19
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. (GA)

I Financed a vehicle through XXXX XXXX usa. the Loan was completely paid off in XX/XX/XXXX and account was closed..XXXX is reporting that the account was discharged in Bankruptcy. I did not file Bankruptcy and there is no Bankuptcy on my public record. This is the incorrect information that Experian is reporting. I spoke to XXXX and they told me that they are not reporting that status to Experian. 
XXXX XXXX XXXX Account Name XXXX Account Number Auto Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$27000.00} Original Balance {$0.00} Highest Balance 84 Months Terms - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VALLEY NATIONAL BANCORP (TX)

I purchased a car out of state on XX/XX/XXXX and financed it with Valley Bank. I paid off the loan on XX/XX/XXXX. Since then, I have not received an acknowledgement of the payoff, nor a release of lien. I have attempted to contact Valley Bank numerous times about this issue. Each time, it takes between 4 and 8 hours to be connected with an operator and the operator never can get in touch with the load department. The operators claim they submit tickets on this issue, but I have not received any further communication from the bank.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (OH)

On or around XX/XX/XXXX I received 2 post cards ( one for a checking account, one for a savings account ) in the mail from BB & T saying that I had requested them to consider authorizing and paying overdrafts on my ATM and debit card transactions. Since I did have a checking or savings account with BB & T I called them and said I thought they were setup in error. They turned it over to their fraud department and on or around XX/XX/XXXX I received a letter from them saying I was the victim of identity theft along with all of the steps they were taking to secure the accounts. 

At their suggestion I ordered all of my free credit reports from the 3 credit bureaus to check for any unusual activity. All three were clean and the only inquiry from BB & T was from when we established a mortgage with them in XXXX or XXXX. 

I found it odd that 1 ) there was no inquiry from BB & T, soft or hard, to setup the accounts and 2 ) I did not receive any email/text alerts that these were added to my existing account. I find it very hard to believe a bank would not alert you if a new account was added to an existing mortgage account. 

Given the recent XXXX XXXX fraud where they were setting up accounts without their customers knowledge in order to hit targets, I wanted to see what exactly was used to establish these accounts ( given the lack of alerts ). 

On XX/XX/XXXX I called the number on the letter I received and asked for a copy of the documents used to setup the accounts and was today I would need a police report and that the police would have to subpoena them for the documents. I find it ridiculous that I would have to file a police report with my local police department to get a copy of documents which allegedly used my SS # and other personal information. 

I would like to receive copies of these documents to then see if I feel further action is required on my part. At the moment their unwillingness to share the documents seems suspicious to me.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (NV)

Sirs, I was sent to collections by my apartment complex for move out charges in 17 days without a bill, a email. phone call. a opportunity to pay in a reasonable time frame, no ability to dispute charges. I believe they did not act in good faith, abused the process to change {$3700.00}. Charges include rug replacement and paint dispute the fact that I lived there 7 years, This meets normal wear and tear definition. They charged me for a dryer ... .it worked when I left. They charged $ {$1300.00} in " other '' charges. They ken these were questionable charges so they abused the collections process to force payment. Please help us the consumer because this is unfair and becoming rampant. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The apartment complex is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The collections agency id IQ Data XXXX XXXX XXXX XXXX WA XXXX. My phone # XXXX
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (RI)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

Dear Customer Relations, As I found out researching this subject, this problem is happening to thousands of people yearly, and it seems there is no way to get your money back once the error has been made. 

Two weeks ago, my wife wanted to transfer to someone we know, {$1400.00}. She entered their name and phone number, and pressed send. Unfortunately, she was off by one digit at the end ( XXXX instead of XXXX ). 
This was done using the XXXX XXXXXXXX XXXX mobile app, and using their Zelle money transfer service. 
We immediately tried calling the wrong recipient, and sending them text messages, but there was only a recording, and no reply to the text messages. 

We then called XXXX XXXX XXXX  and they told us there was nothing they could do to return or refund the money, or reverse the transaction. We insisted they try something, so they said they could try filling for a refund. 
A week later we got a letter saying they investigated the issue, and there was nothing they could do since we sent the money and it wasnt a scam. We asked them to appeal, and they told us they would send an appeal, and this week we got back an identical letter to the first one. 

We realize that it is our mistake, and our responsibility, but its extremely easy to make an innocent mistake, and it seems that thousands of people have similar situations with no possibility of resolution. 
Perhaps some regulation or rule could be implemented that would make it either easier to request a refund or to at least request a return, or if they could implement a more robust verification method which should not be hard to do. With XXXX ( through XXXX Bank XXXX you at least had to match the exact name and exact phone number or email which would make it harder to make a mistake to match 2 types of record. On Zelle you only need a phone number, and it doesnt have to match any name or anything else. ( we put the recipients name, but it didnt matter since it doesnt have to match the other persons name ) My wife feels terrible, but I understand how she did that not to excuse her responsibility. She is XXXX, and they use totally different numbers system, and she regularly makes mistake even with me over little things like dates or dollar amounts. 

We are very tight financially now, and could really use getting that money back. But even if we cant, it would at least be a step in the right direction and would make us feel better, if perhaps some new regulation or requirement could be implemented for these instant transactions, especially in the case of Zelle. 

We appreciate your time and attention to this matter. 
Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2021-05-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC (FL)

WE have been contacting Novad Management Consulting XXXX XXXX XXXX XXXX XXXX ! XXXX XXXX XXXX Ok XXXX WE took a second mortgage on our home due to the deferred house payments due to Covid. 

We are refinancing and have been trying to get an official payoff from them for over 1 month. Our title company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX has submitted the request as per their instructions on 3 separate occasions. XXXX XXXX has been instructed to wait 5 business days for an answer. We have yet to get an answer, they have been on hold sometimes for 2 hours and then hung up upon. Our rate lock is expiring and we may end up with a higher interest because of Novad 's lack of cooperation. We are clear to close and just need this payoff from Novad to close the file and pay them off. 

Please Help
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

paypal closed my accuont for no reason and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used paypal quite frequently my email linked to my paypal is XXXX
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (IL)

I have been trying to refinance a mortgage loan with this company and I keep getting referred to a different loan processor every month to take care of processing the loan. The mortgage loan is currently in forbearance and NewRez LLC is continuing to collect interest on the loan, but they are prolonging my refinancing process. I have been trying to get the loan refinanced over six months up to this date.