davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Experian has a sign my file to a agent called XXXX XXXX this guy have blocked my disputes from disputing items, and reaching other agents to get real and honest help. Experian and XXXX XXXX has stored personal information where I can only see it if am disputing, on the credit report. On my experian site it shows inaccurate information but Experian has shown me inaccurate information knowingly its more to my credit report which to me is fraud to steal my identity or to make it look like my dispute is inaccurate but its not am being target by XXXX XXXX knowingly using deceptive tactics to undermine my credibility and give lenders the wrong impression. Experian and XXXX XXXX keeping old information and using as refurbished as new. Experian and XXXX XXXX has added to my Experian Credit Report under my social without my authorization address XXXX XXXX XXXX XXXX this address is a copy of my real address I wonder where Experian and XXXX XXXX get this also IU have proof its on my credit report I will send. Experian and XXXX XXXX has willfully noncompliance with the law and knowingly use deceptive tactics on my credit report to undermine my credibility and give lenders the wrong impression. Experian and XXXX XXXX on my request more than 4 times, again, have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Over and Over I ask and sent letters requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I have proof with high light documents showing my complaint. Also I have proof that XXXX XXXX has contacted my banks and accounts that was not inside any disputes that I made.
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlas Credit Company, Inc. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (MD)

I received an email this morning from my mortgage company Primary Residential Mortgage, XXXX XXXX. She stated that she tried to contact me by phone and wanted an update on my XXXX Mortgage. I emailed her back let her know I was unable to call her back after work. At XXXX est, she emailed me again requesting an update and asking if I was still occupying the residence. Really, I am late 19 days on my mortgage,. I called her provided my banking information and asked her " why did you ask if I was occupying the residence? '' she stated to update her records, I believe that she was using it as a scare tactic. No one for the last 2 years ( Making timely payments ) has ever called or inquired about updating my account. Poor Service, using scare tactics. I thought the CFPB would want to know, what type of mortgage company Primary Residential is and how they treat consumers.
Consumer complaint received 2017-11-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (SC)

For the last couple of weeks, I have been in contact with Ford Credit. I explained my husband was XXXX for a year and he was geographically challenged in the communication area. He had tried to make the payments and was getting a DNS server error. Meanwhile I was talking to Ford Credit and making them aware that he was XXXX with communication problems. I also explained that Im not on his bank account and they needed verbal confirmation from him in order to take a payment from me. I was having trouble connecting with him to make this happen. Today, XXXX XXXX they repossessed my car and left me with a husband whos XXXX, XXXX children, and no transportation. Im in the Country, so their is no public transportation. I called Ford Credit while they were repossessing my car and said to the gentleman that he was covered under SCRA being a XXXX XXXX with a unit for more than 180 days. This was also expressed in my communication with them prior to this day. I also told him to look at my communication over the last few weeks in regards to us trying to make the payment and he confirmed he was seeing that communication. We were only one payment behind coming up on our second payment when the communication about my husband being XXXX started with Ford credit. I left a message with my husband to call Ford while the guy was here for the repossession and that it was an emergency. He called Ford credit also and they told him that they needed a certified payment and thats why he was getting DNS server errors when he was trying to pay. They never once communicated this to me over the last few weeks, nor did they tell him? So weve been trying to pay all the while we couldnt have anyway because it had to be certified! My husband is in a remote desert area! How do they expect him to know this and why didnt anyone communicate any of this to us before the car was taken? Im thoroughly disgusted with Ford Credit and the way they handled this situation and their lack of concern for a United States Servicemember And his family.
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TN)

When I first noticed this loan on my account I immediately XXXX  Credit Acceptance and explained to them that the account does not belongs to me and I am a victim of identity theft. I was then asked to send in a copy of my identification, in which I did. It was a couple of days when I called back and spoke with someone of higher authority whom stated to me to me that it will be removed within a week. That week came and went along with years which I have been disputing ever since. This company has been putting me through it and back all because Credit Acceptance did not honor their words as a company. Very dishonest company I am still to this day disputing this account and Credit Acceptance each time will change from it from repo and negative to repo no data but will still have a balance of XXXX Credit Acceptance is a company I will never do business with.
Consumer complaint received 2019-03-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit union advertises New or Used Auto Loans as low as 2.99 % on their website : https : //www.navyfederal.org/loans-cards/auto-loans. 

At the bottom of the page, theres a disclaimer section thats linked to the 2.99 % rate that states Credit and collateral subject to approval. Rates subject to change and are based on creditworthiness, so your rate may differ. New Vehicles : Year models XXXX, XXXX and XXXX with 7,499 miles or less. Minimum loan amount is {$30000.00} for terms of 85 to 96 months. Payment example : New auto loan of {$20000.00} for 36 months at 2.99 % APR will have a monthly payment of {$580.00}. Used Vehicles : XXXX and older model years or any model year with over 30,000 miles. Late Model Used  Vehicles : Year models XXXX, XXXX and XXXX with 7,500 to 30,000 miles. 


When calling them this afternoon to refinance my vehicle, I was informed that the lowest rate for a Used Vehicle is 4.99 %, regardless of the term of the loan. I inquired about the 2.99 % rate and was told that the rate was for new cars only. After explaining that any reasonable person would receive the same impression that rates can be 2.99 % for used vehicles, a representative from Navy Federal seemed to agree that the 2.99 % wording could potentially be confusing, especially concerning the use of or and that theyd submit feedback to get this cleared up. This is deceptive. Because NFCU implies 2.99 % is available for new or used cars, they should be honoring this and have an option to get a vehicle financed at 2.99 %. Because they dont actually have this option, action needs to be taken. 

My concern is that Navy Federals rates are confusing and that they will not honor this advertised rate. This concern stems from a call I placed last year when I originally bought my car - during that call, I was told Id be able to refinance my car at a significantly better rate assuming my credit situation had improved. As of today, my credit situation has drastically improved and I should be eligible for a better rate, significantly lower than my current rate of 5.59 %.

Given that Navy Federal has admitted that the lowest for a used vehicle is 4.99 %, Im concerned Navy Federal has likely executed numerous refinancing loans to people who thought 4.99 % was based on their credit - not because of the lowest refinancing rate available. Im also concerned that if I applied today, Navy Federal would not honor the mistake and would attempt to offer 4.99 % or 5.69 % ( based on term ) as the lowest possible rate, especially given they expressed this over the phone.

I have put in an ask for Navy Federal to update their literature if its incorrect, and fairly honor the 2.99 % rate in a refinancing application. 


Its important to note that I was dissuaded from applying today after being told that their website was incorrect and that the rates and marketed materials were not correct for used vehicles.
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (CA)

I been disputing Naviet account XXXX, and also XXXX, for been charging unauthorized transactions I detect on XX/XX/2018, instead of resolve the matter they still charging and not resolving the issue, .Naviet is been reporting 6 times the same account, I been disputing and dealing with Customer for years with out any response. at this point I need any kind of help, please.
Consumer complaint received 2022-07-13
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. (FL)

Hi I cant believe you guys are taking an advantage on me. It's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number : ( XXXX ) and 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MO)

Citi solicited me by snail mail to open a " XXXX '' XXXX  Checking Account and fund it within 20 days. Before the 20 day deadline Citi closed my new checking account without my permission and without first contacting me. XX/XX/22 spoke to XXXX other Citi reps in XXXX XXXX and both hung up on me explaining " we need to end this call ''. XX/XX/22 called Citi again and spoke to a supervisor in New Accounts Servicing ( named XXXX with ID # XXXX ). He promised NOT to hang up on me, verified me, and then hung up on me. XX/XX/22 received a letter dated XX/XX/22 from Citi Fraud Dept saying they've closed my new checking account and I can contact them at the same number on the back of my ATM card-the very same number where where they repeatedly hung up on me!! Outrageous behavior. I'm a current long-time Citi credit card holder.
Consumer complaint received 2018-11-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

I COMPLETED SEVERAL MODIFICATIONS FOR THE HOME AFTER GAINING EMPLOYMENT AND HAVE THE RESOURCE TO PAY IT MONTHLY. IT IS A HIGH BALANCE DUE TO NOT WORKING WILLING TO KEEP THE HOME. FAY SERVICING IS HANDLING THE LOAN WHICH IS IN THE ESTATE OF MY DECEASED HUSBAND. I HAVE A DEED AND WANT THE TO TURN THE LOAN OVER TO ME OR REPAYMENT OPTIONS TO DO TRIAL PERIOD WHICH THEY REQUESTED OVER {$15000.00} FOR MY FIRST MONTH PAYMENT AND THEN {$1700.00} FOR THE OTHER 2 MONTHS. I FEEL THAT MY ORIGINAL LOAN DOCUMENTS HAVE TO FRAUD IN THEM WHEN THE HOME WAS FIRST PURCHASED. I WOUL LIKE FOR MY ORIGINAL DOCUMENTS TO BE REVIEWED FOR FRAUDULANT TO GET LOAN APPROVED. I DON'T GIVE FAY ANY REASONS TO BELIEVE I HAVE {$15000.00} TO PAY THEM FOR THE FIRST MONTH AND THEY KNOW THIS. THIS IS A WAY TO DENY ME BEING IN MY HOME KNOWING THAT I CAN PAY $ XXXX MONTHLY AS THE TRIAL PERIOD REQUIREMENTS AS STATED FOR THE 2ND AND 3RD PAYMENT DURING THE TRIAL. I WANT NEED ASSISTANCE VERY BAD TO SAVE MY HOME. I'M A XXXX PERSON LIVING WITH MY XXXX CHILDREN AND BEEN IN MY HOME SINE XXXX AND WHEN MY SPOUSE PASSED AWAY IN XXXX THE MORTGAGE HASN'T BEEN PAID. NO TYP OF ASSISTANCE WAS OFFERED TO ME BY ANY OF THE OTHER LENDER 'S HOLDING THE LOAN. I WAS JUST TRANSFERED YEAR TO YEAR TO DIFFERENT LENDERS. NEVER TOD OF DIFFERENT PROGRAMS TO APPLY FOR ASSISTANCE. PLEASE HELP ME.
Consumer complaint received 2023-03-25
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. (WI)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX A XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$77.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX Balance : {$320.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$1900.00} ; DP OFEDUC XXXX Balance : {$4600.00} ; DP OF EDUC XXXX Balance : {$2300.00} ; DP OFEDUC XXXX Balance : {$410.00} ; DP OF EDUC XXXX Balance : {$7300.00} ; DP OF EDUCXXXX Balance : {$6200.00} ; DP OF EDUC XXXX Balance : {$6200.00} ; DP OF EDUCXXXX Balance : {$2600.00} ; DP OF EDUC XXXX Balance : {$3100.00} ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2018-11-20
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: HSBC NORTH AMERICA HOLDINGS INC. (NV)

I'm an XXXX XXXX solider who serve his country and HSBC doesn't provide XXXX percent customer service they told me that would help me out with fraud transaction, as stated on their ad, we aren't XXXX percent reliable for these fraud transaction and these are the charges XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XXXX XX/XX/2018 XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX I was told that it was supposed to be credit back but it never gotten transffer from the previous card ... i called the customer service rep we spend over an hour on the phone so i got fed up with it. so now im deciding to write this letter so the world can see it.
Consumer complaint received 2018-11-20
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. (OH)

have sent XXXX dispute letters over the course of XXXX months to the reporting agency disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 

XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX   XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Web site for payments was unavailable to make payments. The alternative was to pay by phone. I was charged a service fee of {$14.00} to use this service. Bank refused to reverse this charge even though it was their web site unavailability that forced me to use the phone service.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan Chase has decided to decrease my credit limit and did so without notification of doing so. The decrease was more than half of my previous limit for over 5 years. Because of lack of notice I used the cad. the usage would have been less of 10 % but because of the decrease I am now in danger at 50 %. I am currently in the process of trying to buy a home and other financial decisions. I called and escalated my issue ( XXXX ) and was met with an option to make a hard inquiry on my report. Again causing further credit damaging issues. 

The fact of lack of notification is my biggest issue. Note I have paid on time have good credit and been a long time customer. Banks need to honor their customers and offer more transparency in evaluating. We are humans making real life decisions.
Consumer complaint received 2023-03-25
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. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; Medical XXXX Balance : {$65.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.