davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

They repossessed my car, which they had the right to do so since I was in the V.A. Hospital for an elongated period. The problem I have with them, when they repossessed the car, they broke the law in the process. 
They broke into my mailbox ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) and took a piece of mail from my school ( pictures enclosed ). My neighbor saw a young heavy-set black female breaking into my mailbox. My neighbor asked, what are you doing? She lied and said I was her uncle, and I had misplaced my key. 
Later when I came home, the woman who fits that description walked up to me and asked my name. I asked why. She lied and said the mailman put my one-piece of mail on her door, and she is returning the letter to me. The same letter she stole earlier. 
The mailboxes are in the front of the complex. The mailman doesn't put our mail on the door. A couple of hours later, my car got repossessed. It is a classic case of false statements and false representations. The next day I noticed my mailbox lock was broken. My mail was all over the parking lot. 
I called Nissan regarding this issue and the gentleman who answered told me you people never pay you all bills. You people! That is a XXXX connotation the slave owners used to degrade slaves. I am an XXXX XXXX Veteran who fought for this country. I am a XXXX XXXX XXXX XXXX, and Nissan Financial is treating me like the lowest scum on this earth. I think not. 
I have many personal items in the car, including my bookbag, my laptop, tools, and clothes. All they had to do is knock on the door. I don't expect them to act honorably once notified. 
Nissan Corporation and the repo company is complicity to defrauded, deceived, and duped consumers under the guise of unflinching XXXX discrimination. Nissan has betrayed the public trust. They keep giving me the run around regarding my items.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (PA)

Consistently, I've made sure payments on this account are timely, preventing any overdue occurrences. I'm uncertain why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my frustration and annoyance about the disputed accounts on my credit report. I demand that these accounts be removed immediately. I am confused as to how the other bureaus have already removed these accounts from their records, while your bureau has not. The creditors have already agreed to remove these accounts as they also manage to see the error on these accounts. I was the victim of identity theft, and it is not clear why your bureau is not complying with the law. The other bureaus have followed suit, and it is frustrating that your bureau is lagging behind. I demand that you take immediate action and remove these accounts from my credit report. The error has already been found, and I expect that you will follow the same course of action as the other bureaus and remove these accounts from my file. It is inaccurate, erroneous, incomplete, or unverifiable, and it is your legal obligation to remove them. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2021-03-11
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. (IL)

Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. In addition, this account is over ( 7 ) years old and should not be reporting at all. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-03-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (TX)

I have made contact with MRS XX/XX/XXXX to inform them I have never taken out a loan with a company. I have also asked for copy of the application and drivers license to the loan application and was informed no information was available and the account was reported Fraud and was removed from all 3 credit bureaus. 

I have spoken with XXXX  on XX/XX/XXXX to get information from the documents to allow this file to be reported and have been informed there is no documents attached to the file.
Consumer complaint received 2022-12-13
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. (NJ)

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 act 15 u.a.c 1681 ) XXXX  ( XXXX XXXX XXXX XXXX collection derog ) XXXX ( XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX  XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( 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 2023-12-28
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-30
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 (PA)

Dear Paypal I want to appeal the outcome of this Paypal case ID : XXXX because when appealing thru paypal resolution is not possible, it shows a paypal glitch and error on the website and do not allow me to appeal. I am attaching pictures from the USPS delivery and pictures of item sold here. Please reverse the outcome and please put my {$490.00} back into my paypal balance again, I complied with the Paypal policy and rules and seller protection policy such as uploading the USPS tracking number. Thank you PS : here is the USPS Tracking Number : XXXX for my Appeal and URL link : https : //tools.usps.com/go/TrackConfirmAction? XXXX
Consumer complaint received 2020-03-06
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. (PA)

I have filled a dispute with cfpd on this several months ago. After all this time the items in question were still not removed. I finally got through to speak to a human at XXXX  and finally they removed 99 plus items not belonging to me. All if which I have been disputing for a very long time and were terribly overlooked on their part. 
My report showed a second SSI number a wife that I never had, that didn't even have the same last name that had a delinquent XXXX  account on my report that prevented me from obtaining a loan from them myself 3 years ago. Also on this phone call i found out that another collection account of almost {$500.00} was her actual husbands account not mine. Boat loads of names addresses phone numbers a wife multiple SSI numbers have been removed from XXXX. still a few remain. but even after all of this I only received a slight increase in my fico. This is ridiculous and I need this fixed. Also I should be rewarded with compensation for heavy damage to my credit embarrassing rejections the perception of having a wife when I was never married. I am retired and lving on a small pension and ssdi. I need credit to survive. Also after removed several delinquent and negative items since my initial complaint with CFPD my scores with Equifax and XXXX   have dropped ridiculously and I feel this is a direct and intentional retaliation for filing that initial complaint And thet should be held accountable.
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (UT)

I have seen a large increase in collections on my credit from THE CBE group and many of them are for the same amount. When I called the company to ask what all of these are they stated that they are XXXX collections and they were for repeated use of the same thing. I asked them for proof of the debt and they stated they would send that to me and after this same request 5 times I finally got the documentation and on that documentation there were over 2 dozen debts that were past the statute of limitations in my state yet they were still collecting on them. There were also debts for the dates that were 1-3 months apart and for the same amounts but no proof of the fact that I was the person seen on those dates. When I asked for more specific information they stated that is all they had to provide. I stated just because you say this is my debt doesn't mean that it is, I asked for proof that I was the person that owes this money, they just stated it was me. I called the company myself to try to get a hold of someone who could clarify this for me and they stated that they had no records of those dates of service. So I again questioned the CBE group and was told that I needed to pay a total of over XXXX when there is only XXXX showing on my credit report. I believe that this company has continued to renew account to report to the Credit bureaus for the sake of damaging my credit and strong arming me paying money I do not owe. I have never been sent proof that this medical debt was me, no proof of the doctors saw me, or any member of my family. The second part of this is that when I spoke to several agents they mentioned that my credit report would be hurt by me not paying the full amount of XXXX. When I was trying to buy a house I offered to pay the amount that was on my credit to get it removed and was told that I have to pay the XXXX or they would not remove a single account from the credit. I then asked if I can pay the specific accounts that are showing on my credit report even though I don't believe they are mine, they stated that now that they know I am paying the accounts XXXX by XXXX they would still not remove accounts that are paid from my credit until I paid all the debt that they say I had in their office which was the XXXX. The agent stated that he was noting this down so any agent would tell me the same thing. The CBE group is a bunch of unregulated scammers that skirt the lines and try to collect on debts they can't prove. I want all accounts from the CBE group off my credit and I want any collections that they claim to have removed from their office. I have paid thousands of dollars more in interest than I should have and have been denied several attempts to purchase a house, cars and get credit cards to attempt to build my credit up due to this company and their shady collection tactics. Thank you for you time.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX XXXX XXXX XXXX forcibly sold me Gap insurance not just through my insurance but also through the lender contract just like buying an extended warranty. They charged me {$4900.00} for this insurance and guaranteed if the car should ever get totaled I would owe nothing. As it turns out the car was totaled and during that time XXXX  XXXX XXXX XXXX XXXX Merged with XXXX XXXX XXXX XXXX and refused to honor the Gap coverage that I bought because they said that I never turned in the claim. A total lie I turned in the claim four times. I have been fighting this for that last four years and I am fed up I am seeking legal counsel and suing the Credit Unions and the credit reporting agencies Because we don't have a business reporting account. The Credit Agencies due very little to look into this issue and resolve unfair credit practices. Causing lives to be ruined by their lack of care and professionalism.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THEY ARE SHOWING A LATE PAYMENT THERES NEVER BEEN A LATE PAYEMENT AND THEY NEVER VERIFIED. 

Account Statement DateXXXX XXXXCurrent Balance $ XXXXRegular Monthly Payment Amount $ XXXXAmount Already Paid for This Month- $ XXXXPast Due  Amount ( if applicable ) + $ XXXXCurrent Amount Due {$0.00} While not required, you may continue making monthly payments even if no payment is due, as interest
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I filed a general complaint yesterday XXXX, mentioning issues I have with all three credit bureaus however, I have specific major issues with Experian Solutions. My issues with them are : incorrect information on my file and they have ignored my request saying they can't verify who I am. They have the name XXXX XXXX listed as an alias for me and I never heard or such a person nor have I ever used that name. They list names of company 's XXXX XXXX XXXX, XXXX XXXX which are in correct and not associated me. 
They select the information they want to update my file but never address or remove the erroneous or incorrect information on my credit file. 

The Fraud statement I did not ask them to leave on my file for 7 years and they refuse to remove it. I believe it is keeping me from being able to get any type of credit including credit cards. My score was at XXXX and I keep getting turned down for even a secured {$500.00} card. My SBA loan for the XXXX was turned down as well. XXXX offered me an unsecured card, I currently have a {$300.00} secured card. after I accepted and applied they turned me down due to the outdated fraud statement Experian will not remove. My identity was compromised sometime ago but I have worked very hard to get my good name back. 

Lastly, Experian has made Improper use of my report and documentation I submitted to them. I am very leery of sending my information such as signature and picture to Experian. They have in the past sent this very sensitive information to some of their fly by night collection company customers. Their Customers sell bad and outdated accounts back and forth to each other. Two of these companies superimposed my signature which was provided by Experian, on a very old fraudulent bill. Experian attempted to verify this as a legitimate account but ultimately had remove it. I believe this is why they have flagged and targeted me unfairly. The other two credit bureaus have been following Experian 's actions on negative reporting. I only use about 3 % of my available credit and my score changes drastically on a daily basis usually down by 20 to 72 points due to the incremental balance increase or decreases of those accounts. 
My score went from a XXXX on XX/XX/2020, down to XXXX as of XXXX XXXX, with XXXX and the 600s with Experian. 
These outrageous changes on my credit file have been devastating to me especially during these times. I can't even put into words how much this has negatively affected me and my business. 

I appreciate what ever help you can give.
Consumer complaint received 2020-03-06
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CO)

I was in school and did not graduate until XX/XX/XXXX. For reasons I am unaware of my University had me listed as graduating in XX/XX/XXXX. This created 30 day lates on all of my student loans and ruined my credit. I have since contacted the University and have received evidence I was in school and sent this to all of my student loans and all of the late pays have been corrected except Nelnet. Nelnet has refused to remove the late pays, even though they have received the same information I submitted to all of my other Student Loan Companies. How can this documentation provided be sufficient for my other student loans, but not this one? I  have never had a 30 day late in over 14 years of credit history. It is clear to me I can pay my debts on time. This situation has taken over 6 months now to be corrected and needs to be fixed. 

Thank you
Consumer complaint received 2020-12-30
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2020-12-30
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. (MS)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Bank is reporting an erroneous late on my credit file. I recently submitted disputes with the credit bureaus to dispute another late on XX/XX/2020. They removed this late but added this new XXXX late. I was NEVER late in XX/XX/2020. I am requesting this proof be provided to me. I was not late and this needs to fixed on my credit file.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have never received a billing statement from my kohls charge card. I have tried switching from mailed to emailed statements and called on this which I was told there is nothing they can do or dont know why. I get all their promotion emails but cant get a statement. They confirmed my email address and it does not go to my junk folders. I tried accessing through my online account and I am unable to access that account every time I try getting a contact customer service upon contacting customer service I get transferred from person to person and eventually a no name voicemail. I am unable to see finance charges or amounts Im being billed for and the company is refusing to escalate internally to resolve.