davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I was doing fine until ... .. 
I have a 4.875 % and put in the application for a home mod thru Nationstar Mort Co. 
They told me I would have to go thru a FHA trial period for 4 months. They dropped my payment {$80.00}. After about 4 months they then told me I would be on a 4 % so that was bringing me down .875 %. I told them to cancel. I then made my regular payments. They sent me a check for {$300.00} and I called and was told that it was escrow money. I cashed it. About 3 weeks later I received a check for {$1700.00} and I told the wife that escrow must have been way over. so I cashed it. Now I am a month behind and they are charging me a late charge. I can not refinance or do anything until I make a double payment including late charges that are building up each month. I spent hours on the phone finally getting to the person that is capable of making decisions and they said they would call me with a decision. They did not call or respond in any way. If anyone has anything to do with Nationstar Mort Co. " Please beware ''
Consumer complaint received 2023-11-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/, a repossession company came and repossessed my truck, did not realize that there was a 20 ft trailer connected until they tried to drive away. Backed the trailer up into the side of my portable storage shed and ripped the side open. In Michigan there is a breach of peace law pertaining to repossession that requires that a person by made whole for the damages. The loan company would only waive the repossession fees and not pay for the damages incurred by their contractor.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 2023-04-25
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: TD BANK US HOLDING COMPANY (PA)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have sent several certified letters to these companies, TD Auto Finance # XXXX, XXXX XXXX, XXXX, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AL)

Nelnet keeps reporting to the 3 credit bureaus that I have open accounts with them that all have balances on them. This is incorrect. All of my accounts with Nelent were transferred/consolidated/paid off by XXXX in XXXX. I disputed these accounts with the XXXX on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All of the disputes came back with results saying that Nelnet reviewed the account and they are all correct. My debt to income ratio is suffering drastically because my credit shows 10 Nelnet loans that shouldn't be there. When I spoke with Nelnet after each dispute the representatives tell me they can not legally remove them from my credit report and it can take years for it to show that it's been closed. This is incorrect because my XXXX accounts were also transferred to XXXX and they are already showing closed with a {$0.00} balance.
Consumer complaint received 2023-09-24
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2019-03-06
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: Crystal Motorsports, LLC (FL)

I tried to purchase a car from a dealer, XXXX XXXX XXXX in XXXX XXXX Florida, they then ran my credit 8 times consecutively and told me I had to return a few days later before I could purchase a car. The subsequent credit checks caused my credit to drop 80 points from a XXXX to a XXXX they then referred me to a nearby credit union for " special '' financing. The rates were outrageous and they knew I had no choice because my current vehicle was beyond repair. I was then left with no choice but to pay an extremely high rate on a base model car.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase account listed on my credit reports ( 3 ) that I have never opened. The account lists me as an authorized user. I have never opened an account with CHASE nor have added myself to an account as an authorized user. I called Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and spoke to several people who gave me incorrect information. I was finally told on XXXX XXXX they would remove it from my credit report. Almost 60 days later it continues to show on my credit report.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MN)

Citibank has called me as many as 10 times in a row for money that I owe, I am working with XXXX XXXX XXXX  and have told them this and to stop calling me. 
They call me every day, all day, and leave up to 3 voicemails a day.

This has gone on for 3 months now.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-12-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Lennar Financial Services, LLC (FL)

Lennar Mortgage clearly advertises on their website that customers may " float down '' their rate one time within 30 days of closing. There are no stipulations or limitations stated. Lennar refuses to honor this advertised right to consumers.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy.15USC1681 section 604A section 2 ; it also states a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and XXXX XXXX XXXX as late for any purpose.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Timely payments on this account have always been a priority, avoiding any occurrences of overdue status. I'm uncertain about the reasons behind the reported late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections must be made.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-07-12
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: Resurgent Capital Services L.P. (OK)

The company in reference is reporting different information on all 3 credit accounts. This account is closed and should not be reporting open. They are in violation of my rights per FCRA guidelines.
Consumer complaint received 2024-03-29
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. (GA)

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called creditchecktotal.com, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX XXXX XXXX XXXX and XXXX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time XXXX request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX   Please remove it from my credit report
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (NV)

" Thank you for your payment. 
XXXX, thanks for your payment! 
TrueAccord logo Congratulations, your XXXX XXXX XXXX account is now resolved! 
For your records, here are the details about your payment : On XX/XX/XXXX, you made a payment of {$230.00}. You paid with a XXXX with last four digits XXXX and expiration date XX/XX/XXXX. 
We are happy to confirm that this payment resolves your balance with XXXX XXXX XXXX 

Provided that any payment you made is not returned unpaid, we will report to XXXX XXXX XXXX that this account is resolved and no further attempts will be made to collect on your account. 

Thanks for working with us. 

Your payment information Payment amount {$230.00} Payment date XX/XX/XXXX TrueAccord account number XXXX Creditor XXXX XXXX. 
XXXX  XXXX account ending in XXXX HOW DID WE DO? 
As always, if you have any questions just reply to this email. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Your TrueAccord account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between Monday - Friday, XXXX XXXX XXXX XXXX XXXX  ET Copyright XXXX TrueAccord Corp . 
XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX XXXXXXXX XXXX logo We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy. '' I called XXXX and they I still owe {$150.00} dollars because this wasn't settlement and I owe interest. 
I called TrueAccord and they said, a settlement doesn't resolve the balance. 

I advised I was told this would settle my account and I will not be contacted for any further debt owe. 

Please help
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SD)

Closed accounts, dates and time. Inaccurate amounts. Late payments reported on accounts that were closed or got closed. Paid accounts or settled accounts still say derogatory. XXXX XXXX  is reported with XXXX late payments which is impossible as it is taken right out of my check. The XXXX XXXX  is rears and shows a collection account and states derogatory. Been paying on the rears 4 years straight never missed a beat. Only reports negative balance and collection and derogatory, but doesnt report every on time payment. I am denied any types of loans and credit card. XXXX XXXXt should be effecting my credit bureau like it is. I trust u understand. Thank you
Consumer complaint received 2024-03-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon D. Curtis, Attorney at Law (TN)

I received mail from the collection company on XXXXXXXX XXXX XXXXXX/XX/2024 asking me to pay a debt of XXXX $ plus extra charge of XXXX $ which is almost equal to the debt The debt happened because of the company change thier address and this lead to transaction not going from my bank to the company due to wrong zip code and another amount of XXXX $ which i was notified with on last XXXX. 

I contacted the collector to settle down the debt of XXXX $ but my only concern was the extra charge fees which was XXXX $ but he refused.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (DC)

This is a follow up complaint/dispute for XXXX. 

Dispute Regarding Inaccurate Information Reported by IQ Data International Inc Hello, I am writing to dispute the information reported by IQ Data International Inc on my credit report. It has come to my attention that the account information provided by your agency does not match my financial history. Specifically, all three credit bureaus are reporting conflicting details about the type of account in question. 
While one credit bureau asserts that this account is a joint one, XXXX has indicated that it is an individual account. I want to clarify that I have never engaged in any business transactions with IQ Data International Inc, nor do I owe any such debt as suggested in the report. 
Cease and desist all inaccurate information and I kindly request that you investigate this matter thoroughly and remove any inaccurate information from my credit report. It is imperative that my credit history accurately reflects my financial standing, and I believe this discrepancy is a result of an error in reporting. 
Please provide me with the necessary steps to rectify this situation and ensure the removal of this erroneous entry from my credit report as soon as possible. Your prompt attention to this matter is greatly appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA (KY)

Loan with : Mohela/Dept , of ED XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX # XXXX Beginning acct # XXXX ...... 
Account type : Educational Credit type : Installment Open since : XXXX XXXX Current Balance XXXX Highest Balance {$4800.00} Remaining term : XXXX  months I've never opened a student loan in my name. When I called for information, the customer service rep wanted to sell me insurance. they had no information about a student loan.

No one from Mohela/Dept. of ed has ever contacted me regarding this debt.
Consumer complaint received 2023-08-30
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. (NC)

This is a another NOTICE OF DEFAULT and NOTICE OF OPPORTUNITIES TO CURE. CRA was provided identity theft reports and a statement from consumer, appropriate proof of identity and items to be blocked. 15 USC 1681. NOTHING was done ,15 USC 1681c-2 they have 4 days. Therefore a sum of {$8000.00} is owned. I have been unable to qualify for a home, car, job and hardship. I have lost all creditable and credibility with family and friends. I need mental counseling from XXXX and anger management. Please help resolve.