davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

My name is XXXX XXXX and I'm filing a complaint against Nissan Motor Acceptance Corp, XXXX, XXXX, and XXXX for continuing to report this inaccurate information on my credit report regarding a balance of {$6100.00} as a charge off on account # # XXXX. According to the Fair Credit Reporting Act law code 15 U.S. Code 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have documentation that its inaccurate information is still showing on all of my credit reports on XXXX, as of XX/XX/2024 and my records show Nissan Motor Acceptance could not validate the debt from which they stated to me in a letter with their letterhead. I also have documentation that Nissan Motor Acceptance Corp was not my lien holder. The correct lien holder was XXXX XXXX and the account number was XXXX. I'm requesting this inaccurate information including but not limited to late payments to be completely and permanently removed from all 3 credit bureaus including XXXX, XXXX, and XXXX.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (SC)

Reached out to finance company in XXXX to let them know that this acct was a result of identity theft from 2012. Ive filed an FTC report because I couldnt get a copy of the report from my local authority ( time lapsed ). Ive also disputed this issue twice with XXXX and once with XXXX but each time its not in my favor
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2016-11-16
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oracle Financial Group LLC. (MO)

received a call from XXXX ext. XXXX case # XXXX. Asked this individual to stop calling me at work because it disrupt me while at work. He told he that criminal charges will be filed against me. I hung up and he called me back at my work number.
Consumer complaint received 2023-06-07
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the items I have disputed have not been deleted per the Fair Credit Reporting Act for XXXX XXXX XXXX  I have had success with XXXX, but both Transunion and XXXX are receiving my disputes and updating them as accurate even though I have furnished the court documentation from my attorney proving that these items occurred while under duress. XXXX has no human being that you can speak with and the phone lines are a continuum of being rerouted to offices that never answer. Transunion has a dispute center on their website which does not work. After calling Transunion, I was told to put my personal information ( picture of my ID and my Social Security Cards AND documentation of my sealed Human Trafficking record in the US MAIL and send it to a po box and wait for them to contact me ). This response was damaging to my spirit and I feel victimized all over again. I have fought to regain my life, seal criminal and court records because of the abuse, coercion and fraud that I faced as a victim of human trafficking. The thought of having my personal information exposed just to clear these items from my credit report is re-traumatizing. XXXX has removed the Public Record of the Bankruptcy I was forced into by my abuser and the student loans I was forced to take by my abusers. I can not get the other bureaus ( Transunion and XXXX ) to comply. The Rule requires consumer reporting agencies to tailor these requirements to the needs of victims of trafficking, by using, for example, confirmation questions a victim of trafficking could easily answer to prove their identity and other non-documentary means.
Consumer complaint received 2015-05-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Concord Resolution Inc (Closed) (IL)

I have received no less than XXXX calls since XXXX XXXX from this company stating there is a matter they need to discuss with me. I have contacted an attorney as they recommended and they gave her no information as well. I would like this harrassment to stop.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX XXXXT Acct # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. 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 a 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (VA)

Goldman Sachs Bank USA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attn : Credit Services Department To whom Liable I am writing in response to an adverse action that has occurred regarding my credit account. Although my credit was extended through a digital signature, I have not received the consideration or the credit card that was supposedly issued to me. This is a serious issue that needs immediate rectification. 

This letter serves as a **Qualified Written Request** under the Real Estate Settlement Procedures Act ( RESPA ) 12 U.S.C. 2605 ( XXXX ), Regulation X at XXXX XXXX. XXXX, and the Truth-In-Lending-Act ( TILA ) XXXX ( XXXX ), 15 U.S.C. 1601 et seq., and 15 U.S.C. 1692 et seq., and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 

I request that you immediately open the credit card account that was extended to me via the digital signature. Failure to do so violates the contractual obligation that was made when my credit was extended. I demand that you either fulfill this obligation by providing the credit card and associated credit line or provide a detailed explanation as to why this has not occurred. 

Furthermore, under 15 U.S.C. 6802 of the XXXX XXXX, I request information on any nonpublic personal information that may have been shared with third parties in connection with this situation. 

In accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I also request verification that no information related to identity theft has impacted this process. If such information is present, I request it be blocked and removed immediately. 

Under 44 U.S.C. 3507 of the Paperwork Reduction Act, I request confirmation that any information collection related to my application complies with the necessary approval and review process mandated by the XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ). Please provide the XXXX control number associated with any forms or procedures used during my application process, and confirm whether any information collected has been approved under this statute. 

Please address this matter with the urgency it deserves. I expect immediate action to open my account as initially agreed upon. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-09-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NC)

On or about XX/XX/XXXX I submitted an IDR ( Income Driven Repayment ) application and XXXX copy of income tax returns with my current loan servicer MOHELA. I never received any acknowledgment from MOHELA that they received the application and supporting documentation or that the application was being processed. When I recently logged into my account to follow up on the status of my application, nothing showed up under the documents you've submitted section of my account. 

In the past, this information was filed via the studentaid.gov website and the documentation was imputed from the IRS database. However, now borrowers are instructed to upload this information directly on the loan servicer website. Unfortunately, this new way of doing things can lead to applications not being processed and falling through the cracks. These outcomes can have devastating consequences for the borrower such as the account wrongly going into default because of the payment amount and incorrect information reported to credit bureaus. Therefore, on XXXX, XX/XX/XXXX, I submitted another IDR application with supporting tax documentation to MOHELA.
Consumer complaint received 2015-10-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XXXX XXXX, 2015, I visited Banco Populars Loss Mitigation offices to apply for an alternative [ toforeclosure ], since I was unemployed and my mortgage loan is in arrears, and I want to keep my home. 
To this day, XXXX XXXX, 2015, I havent received any notification from the bank. I didnt receivenotification within five working days of filing the application, and now more than 30 days have gone by, and I havent been informed of any decision. I am including a complete timeline of my case. 
I hope you can help me, because I dont want to lose my home, and I want banks to learn to treat theircustomers well. 
Thank you in advance!
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Someone had possession of my card during the very end of XXXX and beginning of XXXX without my permission and used it to make purchases until it reached it's card limit. I did not receive an alert from Capital One regarding the charges, so as soon as I found out on my own I called them immediately. This was about two months ago ... They credited my account for all the fraudulent transactions that had taken place but then turned around and rebilled me for them. I was and am still infuriated ... 

I just received a letter in the mail today dated XX/XX/XXXX from Capital One, stating that after researching my case, they quote un-quote found " insufficient evidence of fraud '', because " information they discovered led them to believe that me or another account user benefited from the transactions. '' Lol. First of all, there is no other account user. There is no authorized user on the account, nor have I given anyone permission to use the account. Second, information they discovered?? What is this quote un-quote " information they discovered ''?? Of course they failed to mention that. But based on what they said following that statement, " led us to believe '', this apparent information they discovered did not prove that I used the card, nor that someone else had my permission to use it. 

Another thing they stated which proves they have no validation I used the card -- " you or another account user '' ... Sounds like they don't even know who used the card!! If they choose to investigate fraud, finding out specifically who used the card is supposed to be part of their investigation!! The fact there's even an 'or ' in their statement when referring to who used the card, proves they improperly investigated, or didn't even investigate at all!! 

Clearly Capital One has insufficient evidence of their argument that there was no fraud, and I am NOT responsible for the charges they rebilled me for. 
Therefore I refuse to pay for them. So they need to re-credit my account again or I will inform the credit bureaus of what's going on and also the debt collection agency that will be one day be calling me on behalf of Capital One regarding the charges ... 

Again -- I am not paying for these charges because I am not responsible for them as I did not make the purchases, and I consider this matter closed.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts. Bank of America have violated the truth in lending act, Regulation x, y and z. They have violated 31 cfr 357, and the XXXX XXXX act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. These accounts have been open for over XXXX years and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accountable for all of the fraud and deceptive practices they are involved it. they have violated my rights, and my privacy without my written expressed consent.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (DC)

my credit report is inaccurate across credit reporting agencies XXXX and XXXX. They are showing a XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX and Amex that have confusing information. I demand that this be investigated and deleted from my credit profile across all bureaus do to inaccurate information.
Consumer complaint received 2024-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

Issue with Mohela loan servicer : I got a notice of deferment despite continuing education ( previous loans were for XXXX, I am now in XXXX XXXX  ), so I went to the government 's studentaid.gov site to check the interest rate and saw that interest had accrued. 

In response, I tried to log into my Mohela account so I could verify the details of my loans and check why interest had started accruing. I had my account information written down, so I used the credentials to log in but the site returned an error. I tried again with the log in credentials from the government 's student aid website but that didn't work either. I clicked " Forgot my User ID '' in case I'd incorrectly recorded my information, but when I entered my date of birth and social security number, Mohela 's website said they had no record of my having an account with them. I tried the same thing for " Forgot Password '' and got the same response. 

Because they said they had no record of my account, even though they sent me emails in the past with information about my loan services, I thought that maybe this was in response to their notice of transfer sent XX/XX/2024, so I tried to register with their site as a new user to see if I needed to create a new account to be able to access my loan information. When I did that, all I got was a vague message saying that an error had occurred and to come back later and try again. It did not identify the type of error or tell me what caused the error. 

I tried XXXX times to call the phone number listed in their emails to me, and XXXX more times at the other numbers listed on their site. Each time, I tried to select the option on the phone tree to talk to an agent or to customer service of any kind, and every time that I was redirected to a different department, it wouldn't actually take me to the department but instead start me over at the beginning of the call 's phone tree. I was never able to connect to a real human. After trying XXXX times with the same outcome every time I gave up on the phone actually reaching a live agent. 

I searched up the issues I was having online, and many people said they were having the same or similar issues. A few people recommended trying a different browser, so I did the same. I switched browsers and repeated the steps listed in my second paragraph trying to log in, and continued to get the same error messages. 

How am I supposed to manage my loans if I can't even log in to the servicer 's site, and get no help from their support team? Clearly they know I have loans with them and they have my email address, or else they couldn't continue to contact me about them. It seems like their system is intentionally set up to make me miss out on communications and payments.
Consumer complaint received 2024-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

My loan is serviced by Mohela. I have XXXX consolidated federal loans ( XXXX subsidized, XXXX unsubsidized ) and both are enrolled in the XXXX plan. With the ongoing federal court case, all loans under the XXXX plan should be automatically put in forebearance. Mohela has not done so, and has continued to deduct payments from my account enrolled for autopay. Mohela has not contacted me about the forebearance and is mishandling the loan.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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. 

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!
Consumer complaint received 2024-09-19
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section A. States I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (HI)

I have an XXXX Chase Credit Card that I opened during XXXX of 2020. I owned the credit card for almost 5 years and has become my primary credit card. All of a sudden around XX/XX/XXXX, I tried to make a furniture purchase at XXXX for {$3000.00} and XXXX froze my account. XXXX refuse to tell me any information and that my account is under review. It's been 3-4 months and Chase still refuse to tell me any information. Chase said I have to visit the local bank but I live in XXXX and there are no Chase branch nearby. Chase locked my account for no reason and the credit card is stuck in my credit report. Chase did not follow their own policy. Chase also change my credit card number for no reason.