davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

On XX/XX/2020 I logged in to the Nissan Motor Acceptance Corporations ( NMAC ) website to look at possibly paying off my car loan. After logging into my account I immediately noticed that their website indicated my account was past due. My next due date was XX/XX/2020. I have never been late on a single payment with NMAC and have never received any communications to such effect. I looked through my payment history provide by NMAC on their website and their records confirm such statement. I logged into my account on XXXX  XXXX XXXX and verified my payment for XXXX processed on XX/XX/2020. Then how is it that my account has showing past due when the due date hasn't passed. When I called NMAC to inquire, the response I was given was " oh that is how our system works, because we haven't received your payment yet, in anticipation of your due date passing our system shows your account past due. '' When I pressed harder I was advised by the agent on the phone that there was nothing she could do about it. So NMAC is making an assumption that my account will be passed due even though I always pay ontime or before AND they have no idea that my payment is actually in the clearing house processing. This is an egregious misrepresentation of the status of my account. 

This is fundamentally WRONG, working in the financial services industry I first hand know that you can not represent an account past due until such time as the due date has passed AND no payment has been received. In the current environment as a result of COVID19 actions such as this would push many people over the edge. 

I have attached screen shots from NMAC of my account status and payment history, as well as a screen shot from XXXX  XXXX XXXX showing my payment had been processed.
Consumer complaint received 2020-03-16
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: Experian Information Solutions Inc. (VA)

ON MY EXPERIAN CREDIT REPORT THERE ARE ITEMS THAT I HAVE DISPUTED AND I WANT TO KNOW HOW EXPERIIAN VERIFY THIS ITEMS IN QUESTION. GOING THROUGH MY DISPUTE AFTER THE FACT OR AFTER MY RESULTS NOTHING WAS CHANGED OR UPDATED CORRECTLY. SO THEREFORE I AM REQUESTING THAT EXPERIAN SEND ME COPIES OF DOCUMENTS THAT THEY HAVE ON FILE .AS OF THE DATE YOUR COMPANY VERIFY THE ACCURACY OF THESE ACCOUNTS. UNDER THE 611 LETTER I AM REQUESTING A DETAILED BREAKDOWN OF THE THREE SEGMENTS OF THE METRO 2 REQUIREMENT INCLUDING THE HEAD RECORD CONTAINING 18 FIELDS WHICH ENSURES THAT THE INFORMATION WAS IDENTIFIED CORRECTLY BY YOUR BUREAU THE BASE SEGMENT CONTAINING 49 FIELDS WHICH PROVIDES THE SPECIFIC ACCOUNT INFORMATION FOR ME. THE TRAILER RECORD CONTAINING 47 FIELDS WHICH SUMMARIZED THE DATA SUBMITTED TO YOUR BUREAU SPECIFIC TO MY PARTICULAR FILE.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and discard these immediately in my 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 XX/XX/XXXX
Consumer complaint received 2020-03-28
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: DISCOVER BANK (AL)

On XXXX XXXX-XXXX there were charges that took place on the account that I did not authorize. I didn't authorize, I wasn't present for, I don't know who it was, didn't authorize anyone else, nor did i benefit from any of those. This information was informed to the company once I noticed the charges. There was also no notifications sent while the charges were made sent to my phone nor email that I could have validated stating I was making the charges. I informed the company of that information as well. I also had a traumatic event that was going on at that time as well that was relayed to them. I didn't have the card in my possession. There is nothing that can be proven nor show I did because I absolutely didn't. If film is pulled, signatures from the merchants, etc will 100 % support and verify that. Also have people that can account for location and where I was at when it shows those charges occurred. Also discover states : All Discover Cardmembers are protected with our {$0.00} Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover card. They asked me if I could do a police report and informed them that I don't live there and that drive would be an inconvenience for me because of taking care of my sick mother  and also my XXXX year old daughter who I have custody of and am responsible for all her care and cost. Also that wouldn't feel comfortable with all that is going on doing that because I had been following things for months now. They informed me that everything would be ok and that charges are credited and wouldn't be responsible for charges and that I was 100 % covered. I went on with my day to day. Later I requested to cancel the card because the card didn't benefit me, there were no perks, always and issue with security measures and seems lack severely with defense. I stated that would like it canceled. I paid the balance I had on account and the account was closed. The account was closed on XXXX XXXX 2020. I recently received a letter stating that upon reviewing facts of case that was determined bo fraud occurred. That is so erroneous and completely inaccurate. I have FACTS behind me supporting I didn't use. I do not owe this balance and will not be paying. I also will contact an attorney if necessary and do all that will be needed. I think this is a retaliation tactic because I closed the account. I will contact media, XXXX, attorney 's, and any other source I need to so that this story can get out there and make this known and very public if this isn't corrected as soon as possible. There should be no balance and the account should be closed in good standing with no balance. I won't let them get over on me now or again.
Consumer complaint received 2022-12-31
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. (FL)

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 account number : XXXX Account name : XXXX, XXXX & XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account number : XXXX 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 2020-03-16
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: EQUIFAX, INC. (TN)

The attached transcript clearly states that my XXXX XXXX was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due. '' It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period. '' ( see highlighted section on page 3 of  attached XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX XXXX XXXX  ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. ED/XXXX  has incorrectly reported two separate trade lines beginning with account # XXXX as late on XX/XX/XXXX and XX/XX/XXXX which has negatively impacted my credit ( Page 9 and 10 of attached credit report ). As per the FCRA incorrect information must be deleted as also per the FCRA I have a right for all information on my credit report to be correct ( see highlighted sections of page 7/8 of attached XXXX ).
Consumer complaint received 2020-03-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

A letter was written To change address in XX/XX/XXXX. In XX/XX/XXXX I had not received Yearly Annuity statement for XX/XX/XXXX. SEVERAL CALLS WERE MADE AND ACCESS WAS DENIED TO MY ANNUITY ACCOUNT.

DRIVER LICENSE LAST FIVE NUMBERS WERE VERIFIED AND A COPY IS ON FILE.

MY DATE OF BIRTH WAS VERIFIED AS INDICATED ON LICENSE AND ANNUITY ACCOUNT.

I ALSO VERIFIED COMPANY ANNUITY WAS.OBTAINED BACK IN XX/XX/XXXX.

AGENT STILL REFUSE TO UPDATED MY MAILING ADDRESS AND SEND ME FORM TO CLOSE OUR MY ANNUITY. 
THIS KEEPS OCCURRING EVERYTIME I MAKE A CHANGE TO MY ACCOUNT. MY LAST CHANGE WAS ADDRESS AND AFTER THEY CORRECT IT THEY REFUSE ME ACCESS TO MY ACCOUNT AND THE CYCLE REPEATS AGAIN DENYING ME ACCESS TO MY ACCOUNT.
Consumer complaint received 2022-12-31
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-31
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. (MN)

And this is why This dispute comment takes the account out of being factored into the credit score, so if an account with a negative history gets its dispute remark removed, then the credit score may go down. On the other hand, credit scores may go up if the dispute comment is removed from a positive account. 

Come on Equifax and XXXX  I can see what youre doing. You are breaking the law! 
This information will be used when lawsuit is filed You XXXX want to play a game XXXX with me and watch as of Tuesday or Wednesday lawsuit will be file on your XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX  is reporting XX/XX/2023 's payment as 30 days late to all three bureaus. XXXX 's payment date wasn't until XX/XX/2023. It is currently XX/XX/XXXX. It is impossible for XXXX 's payment to be 30 days late. Experian has revised the report and added XXXX as current. XXXX 's payment isn't due until XX/XX/XXXX. The current account has never been 30 days delinquent. XXXX has not been willing to remove the late reported information. It's a violation of the FCRA. Experian has also not reported the correct information even after several disputes.
Consumer complaint received 2020-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

On XX/XX/XXXX I took out a mortgage with XXXX XXXX and the loan was sold to NewRez aka Shellpoint Mortgage Servicing. I made my first payment to Newrez XX/XX/XXXX. In XXXX I received the attached letter pertaining to my escrow account ( see attached ). 
My complaint : XXXX did not require a " cushion '' per my signed mortgage agreement NewRez does require a " cushion '' ( a very big one ). Since Newrez purchased the loan from XXXX how can Newrez require me to pay them a " cushion '' when it is not in the loan agreement I signed and they purchased from XXXX? I have no signed agreement with Newrez so don't they have to comply with what the XXXX loan states?
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

After incurring an unwarranted fee, I attempted to close my checking account. I requested that my remaining funds be distributed as {$150.00} in cash and the remainder in a check. I signed for {$150.00} and was handed a cashier 's check for what I thought was the remainder, which I was charged a {$10.00} fee for. Later in that week I was sent an overdraft notice, saying that I was {$150.00} overdrafted. I attempted to determine how this could be online, but BOA had canceled my online account which prevented me from accessing my financial records to verify. When I went to the bank, after waiting for 30 minutes I was informed that the {$10.00} fee was made in error, further the banker acknowledged that through the teller 's negligence that the bank had overpaid me, causing the overdraft. I have no desire to spend even more of my valuable time to settle the account - as I view the {$10.00} fee in conjunction with the facially deficient closing of the account, along with the extended wait time, to be retaliatory to me closing the account. Further, when I went in to settle the matter and expressed interest in contacting the CFPB to settle the matter, the bank manager strongly suggested that I settle the account because " it could go into collection '' or be bad for me down the line - he said I was free to file the complaint but continuously pressed for me to settle the account to avoid future negative outcomes.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

i have disputed items on my credit reports, i have paid back majority of the credit cards i had in the past, now that i go to apply for credit cards to rebuild my credit it says either im deceased of that i have no credit history.. even credit repair companies cant find me.. 

i am trying to establish my credit, so i can buy a house or get a car etc etc ... 

help me because there is some misunderstanding, my XXXX XXXX  account says i have 21 different names and thats not possible, help me so i dont have to fle for bankruptcy ..
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

i have disputed items on my credit reports, i have paid back majority of the credit cards i had in the past, now that i go to apply for credit cards to rebuild my credit it says either im deceased of that i have no credit history.. even credit repair companies cant find me.. 

i am trying to establish my credit, so i can buy a house or get a car etc etc ... 

help me because there is some misunderstanding, my experian boost account says i have 21 different names and thats not possible, help me so i dont have to fle for bankruptcy ..
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (DC)

Citibank flatlined both of my credit cards after a late payment of XXXX days on XXXX of the cards on XX/XX/XXXX. XXXX credit card has never been late. My credit was very good to excellent until Citibank took these drastic measures which I feel are consumer abuse. Citibank states me that their decision was based in part on information from XXXX, which I find hard to believe after only XXXX days late, also there is no derogatory information in my credit report. 
What Citibnk did was make my existing balance on the card my new credit limit, becuase I was XXXX days late on the credit card payment. Which means my credit usage on the card is now at 98 %, which tanks my credit score. My payment was due on XX/XX/XXXX. My mother died on XX/XX/XXXX. It was a simple oversight at a painful time in my life. 
My other Citibank credit card has never been late ( verified by a live Citibank agent ) and was not late at the time of these bad business practices that happened on XX/XX/XXXX via email. Again, my credit card limit was lowered to the existing credit card balance. Flatlined. Again, this means that I have a XXXX  % usage and tanks my credit score. I have called Citibank XXXX times and spoken with people, who listened and told me they were sorry for my loss. XXXX agent told me that she would file a complaint on my behalf and she did. I asked for the name of the President of Citibank and no one seemed to know. I was told twice during both calls to Citibank that I would receive a written letter in the mail with a formal explanation within XXXX to 10 days, which to date I have not received. The person today told me that it had not been XXXX XXXX days??? It may take me a year or years to repair my credit score. Many companies will call you and say, " you are XXXX days late on your payment, we are sure it is an oversight, may I take a payment from you now ''? that is consumer friendly. Citibank should not be allowed to ruin the credit scores of consumers through flatlining and bullying. My definition of this bad business practice is flatlining... compressing the credit limit to the existing credit balance, so that it is an interest earning only account, resulting in a ruined credit score to the consumer, creating credit hostages. Shame on you Citibank.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I originally disputed a portion of a charge from a XXXX XXXX XXXX, The XXXX, a division of the XXXX XXXX which is a division of XXXX XXXX XXXX with my credit card provider, CitiBank. I was precharged for an Advanced Deposit at The XXXX for items that I may use while at any of the XXXX hotels during my stay. The Advanced Deposit was for {$680.00}. I spent {$510.00} of that amount, so I requested a refund for the difference {$160.00}. Attached is all of the requested documentation from CitiBank that I provided as well as my final appeal that was denied twice. In the last email from CitiBank, attached, they stated that since The XXXX would not refund the amount requested, they could not assist me or refund the {$160.00}. All of the documentation as well as my final 2 emails to CitiBank are attached. I apologize if some of the documentation is duplicated. I am hopeful for a positive reply from you by invoking the Fair Credit Billing Act under your authority. Please let me know if you need any additional information.
Consumer complaint received 2020-03-28
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: Experian Information Solutions Inc. (FL)

I have review my credit report to check accuracy and found out that a lot of account that I had no knowledge about are destroying my credit reputation and causing a lot of damage to my ability to obtain credit, these account are fraudulent and should not be in my credit, I what to request that these account be block from my credit immediately. 
Thank you.
Consumer complaint received 2024-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (FL)

I've called the company and told my address was a XXXX XXXX XXXX i gave my social and they found my address. I have never been in contact with this company before and prior to my phone call they had no clue where I lived. they reported this debt to the credit bureaus without ever having contact with me or my permission to report a private medical debt to the credit bureaus which is illegal in practice. This debt should be removed from my credit report asap.
Consumer complaint received 2020-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX which sxuppously own the debt now, buying my account to Synchrony bank for pennies of the dollars wants to charge me XXXX in the middle of this pandemic situation which Ive been affected and sent my account to a lawyer named XXXX XXXX in New York located at XXXX XXXX XXXX XXXX .XXXX  XXXX .XXXX  WI XXXX toll free XXXX XXXX XXXX/e mail XXXX .please stops this people during this hard time Dont even know at this point if this lawyer is allowed to collect in florida