davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (ID)

I disputed a " 60-day late payment '' Nissan reported to XXXX and XXXX. I leased my XXXX XXXX in XXXX. When my lease was up in XX/XX/XXXX, I got a loan through XXXX XXXX XXXX to buy out my lease. The loan officer, XXXX XXXX called Nissan XXXX on XX/XX/XXXX, and the agent gave her the payoff. A full amount payoff check was mailed from XXXX XXXX XXXX before my lease ended on XX/XX/XXXX. Now, approx 15 months later, Nissan is has reported a 60-day late payment on my credit reports. I first called Nissan and they said to simply file a dispute with XXXX and XXXX. I filed a dispute with both companies by giving my account of the lease. XXXX and XXXX sent the information to Nissan and Nissan denied the dispute. Next, I contacted XXXX XXXX at XXXX XXXX XXXX and she wrote a statement verifying the details of the payoff. I disputed the inaccurate, 60-day late payment reporting from Nissan and attached the letter from my loan officer, who is now the branch manager, XXXX XXXX XXXX She clearly remembers the situation. She sent the tax and title fees directly to the State of Idaho. Nissan was claiming the tax and title fees were supposed to be sent to them. XXXX from XXXX XXXX XXXX called Nissan multiple times and informed them that in the state of Idaho ( a non-title holding state, ) the financial institution sends the money for the tax and title fee directly to the state and the State of Idaho mails the title to the lienholder. They finally sent the title to XXXX XXXX XXXX several months later. I have the supporting document from XXXX XXXX XXXX or you may reach XXXX XXXX at XXXX. I have worked very hard to have an excellent credit score and Nissan 's 60-day late reporting dropped my credit score by XXXX points on XXXX XXXX, XXXX. This is the only negative item on my credit report.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

I ordered XXXX ottomans through XXXX with my synchrony bank/ snazon credit card back on XX/XX/2021. Merchandise was supposed to have been delivered to my house no later th a n XX/XX/2021. Total amount was XXXX. I am on 6 months deferred payments and made my first payment XX/XX/2021 of XXXX to date I have not received merchandise. I contacted synchrony bank and they told me account is under investigation but that XXXX XXXX and XXXX show items delivered. XXXX web XXXX ite shows delivered to a garage. My house has NO garage. To date I am still waiting on refund and am b e ING charged late fees while account is still under investigation
Consumer complaint received 2022-09-26
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: DISCOVER BANK (TX)

LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
Consumer complaint received 2022-01-24
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  pulled a HARD inquiry without my consent, XXXX of XXXX they had my consent bur in their harassment of me they keep pulling hard inquiries damaging my credit.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I went to check my balance on my account and was unable to log in so I called to support and the support number told me that my account was closed so I began emailing support to find out why my account was closed. The first explanation they came back with was it was lack of activity. In the beginning the lack of activity was because I never got the debit card that they sent me in the mail so when I tried to reopen the account again they said that I already had an account and I needed to contact support so I'll contact the support and they sent me out another card I started putting money on this card so that I could save money for my taxes what happened was I will deposit money periodically from my paycheck I have a job and I also have a business and I just wanted to side account so that I wouldn't touch it cuz I knew that was the account for my house taxes so back and forth back and forth back and forth I've been emailing support I've been talking to XXXX XXXX tells me I need to talk to chime chime tells me I need to talk to XXXX so now they got XXXX of my money and they're telling me that my money is not refundable because they don't know this is the second reason they don't know where my money is come from and that money being deposited on that card looks suspicious I've been going back and forth with them since XX/XX/XXXX and I have no resolution nobody will help me so I was directed from a post on the internet that you help people with the situations as far as time is concerned so I'm just reaching out to you to see if you can help me.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, 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. (NJ)

I am writing this complaint without influence** I have notified Transunion about providing information to unknown entities. Please review attached documents for reference and for relevant details.
Consumer complaint received 2019-04-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

This is not a problem with the vehicle - which was fine. This is purely a problem with XXXX XXXX XXXX billing me for additional lease payments after I have completed all my payments. XXXX XXXX even sent me a notice that I am " past due '' on a lease payment. This is affecting my credit rating, and it is harassment to be hounded for payments that I do not owe. 
I leased an XXXX XXXX for three years. The lease ( account ending XXXX ) ended XX/XX/2019. I returned the car on XX/XX/2019. During the three-years, I never missed a payment or was late on a payment. XXXX emailed me on XX/XX/2019, to confirm that I had completed my final payment due. 
But now XXXX XXXX persists in making statements that I still owe monthly payments on the lease. On XX/XX/2019, XXXX claimed in an email that I was past due. 
I repeatedly asked XXXX to stop publishing false and libelous statements claiming that I am defaulting on payments. I have an excellent credit rating and am concerned that XXXX false claims will impact me financially. 
I sent emails to XXXX on XX/XX/XXXX and XX/XX/XXXX, explaining its error. I engaged XXXX in an online chat. But XXXX refuses to acknowledge the error, and it refuses to stop the false statements about me. 
It appears that XXXX will not reasonably respond.
Consumer complaint received 2022-01-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (IL)

I had a leasing car with Honda. My lease terminated in XX/XX/XXXX. Before my lease expired, I returned the leasing car back to Honda on XX/XX/XXXX. I also returned my car plate and car registration card to Virginia DMV to take my name off the car title. 

Then on XX/XX/XXXX, I received tax bill of {$330.00} from Honda Finance asking me to pay for the car property tax for year XXXX. I called Honda Finance. They told me to pay for the tax first and they would request tax refund with Virginia XXXX XXXX. So I paid the {$330.00} tax bill. I was told by Honda Finance that it would take 6 to 8 weeks for XXXX XXXX to process the tax refund. After 8 weeks, I didn't hear anything from Honda. So I followed up with Honda Finance on my tax refund. Then this time they told me it would take 8 to 12 weeks to receive the fund. After 12+ weeks, I still didn't receive the refund. So I called again, a different person told me it can take up to 6 months. So it should be XX/XX/XXXX the latest. 

After 6 months, in XXXX I called Honda Finance again. I told them that it had passed the 6-month timeframe. The person who picked up my call said at this point there was nothing they could do except for waiting. In addition, she asked me to follow up with XXXX XXXX myself ..... 

Then I called XXXX XXXX Finance Department to figure out what was going on with the tax refund. XXXX XXXX told me the reason why the tax refund was held up was that there was missing information for Honda Finance. Honda never provided document to them which showed the exact date when I returned the leasing car so that XXXX XXXX didn't know how to calculate my tax refund amount. So I called Honda again to ask them to submit the missing information. Honda sent insurance cancellation letter on XXXXto the county. I was told by XXXX XXXX in late XXXX that the refund was approved and was about to be mailed out. I called Honda last week to see if the refund check has been mailed. Again this time they told me to just wait. I asked them to follow up with XXXX XXXX and they doesn't seem to really care about it.
Consumer complaint received 2022-01-24
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)

Tennessee Department of Human Services, under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX  court as the furnisher that's forgery and misleading when the courts don't report this type of account
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The account in question is the California Unemployment Benefits ( CA XXXX ) card that was issued to me from Bank of America when I was on XXXXXXXX XXXX after the birth of my XXXX XXXX. This was XXXX years ago. I have called Bank of America and requested the account be closed. They say they can not close it and I should contact the CA XXXX to close it. Then I call the XXXX and they tell me that they can not close it and I must contact Bank of America to close the account. So they're literally giving me the run around all while refusing to close this account. Meanwhile I get monthly statements asking me to log in to see my account which I can't even access. This is reminiscent of the XXXX XXXX situation where they opened accounts without customers knowledge or authorization and refuse to close them just so they can have an elevated number accounts on their books for the purposes of looking larger than they are. Please help me get this account closed. I will likely never use it again because I own my business and will likely never be unemployed.
Consumer complaint received 2022-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AL)

Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, namely, a copy of a signed contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn this matter over to an attorney.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (TX)

I opened a XXXX XXXX Account to qualify for a {$500.00} bonus before XX/XX/XXXX, I have maintained the balance of {$50000.00} for over 120 days yet have not seen this bonus reflected. Please credit the bonus to this account. I have reached to online support of Comerica without the desired response. 

Thanks, XXXX XXXX Welcome! Your last Log In was Friday, XX/XX/XXXX XXXXXXXX XXXX ET XXXX ServiceLog Out OVERVIEW ACCOUNTS E STATEMENTS TRANSFERS BILL PAY MOBILE BANKING / ALERTS Message Center Send a Message Message Return to Messages Date : XX/XX/XXXX XXXX XXXX  Subject : RE : Account Inquiry My name is XXXX and i am pleased to assist. XXXX, The {$500.00} XXXX XXXX XXXX offer will be advertised in the Southeast Michigan, XXXX, and XXXX regions starting the week of XXXX XXXX and running until XXXX XXXX, XXXX. For new-to-bank prospects or existing customers to qualify for these offers, they must first successfully open a Comerica XXXX XXXX XXXX account through OAO then meet the following criteria XXXX XXXX XXXX Deposit {$50000.00} within 30 days of account opening ( across a few acct types ) and maintain a minimum balance of {$50000.00} for an additional 60 days ( 90 total days ) after account opening. After meeting the requirements, you will receive their offer within 30 days. If I can help you in the future, please send me a message or you may reach our Customer Contact Center by calling XXXX. I am glad that you bank with us. Thank you for choosing Comerica Bank! XXXX Comerica Bank Member FDIC Equal Opportunity Lender Not all products and services are offered in all states -- - Original Message -- - Sent : XX/XX/XXXX XXXXXXXX XXXX To : XXXX Subject : Account Inquiry Segment : Individual Inquiry : I can not find my question. Message : Could you please let me know when the {$500.00} bonus for opening this accounting and maintaining 50K average balance will post? Per the terms it should have posted in XXXX, 90 days after XX/XX/XXXX. Thanks, XXXX XXXX
Consumer complaint received 2022-01-24
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 5 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/XXXXand XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late.

I am hoping you can make the necessary adjustment under the CARES Act. 

I no longer have possession of the card and can not provide the full account number. I am happy to verify another way if necessary. 

Last 4 of account number - XXXX Last 4 of SSN - XXXX
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Affirm Holdings, Inc (OH)

I pulled a credit report and see that there are 13 Affirm accounts opened and all are delinquent. I have tried to file a dispute with this company but it is all computer generated and it is not allowing me. When I logged online to Affirm I can see a XXXX XXXX address and a email address associated with the account. I filed a police report with our local police department as well. It appears the account was opened on XXXX, XXXX XXXX. 
XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$120.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$82.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$98.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$62.00} XX/XX/XXXX - {$120.00} XX/XX/XXXX {$64.00}
Consumer complaint received 2016-01-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (CA)

On Friday, XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX via telephone, to question them about my debt account they purchased from Chase Bank Credit Card Division. I informed them, that said debt had no activity since XXXX, and asked why do they continue to contact me. I was informed that the last payment to Chase was XXXX XXXX. I informed XXXX, I have not paid anything on this account since XXXX, and that someone, including them, XXXX claimed I paid on XXXX XXXX. I then requested a 'Debt Verification Letter ' from XXXX XXXX and was informed, XXXX sent out a letter in XXXX. I told the XXXX Agent, I never received a letter, but, was told they will not send out another letter, due to, it was already generated in XXXX. Again, I requested the letter, and was told, " No. '' Additionally, since I have not paid on this credit card bill since XXXX, I am requesting XXXX cease reporting this to XXXX Agencies. 

Chase Bank USA card number : XXXX XXXX account number is same as chase, but, they also have another number, too : XXXX
Consumer complaint received 2022-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Leap Credit, LLC (MO)

I officially filed for chapter XXXX bankruptcy on XXXX. This included any and all outstanding debts including my debt with Leap Credit. They began texting my personal cell phone and e-mail trying to receive payment on XXXX. I have since given them the name and contact information as well as the name of my attorney and case number for my bankruptcy. They have still continued to contact me at which time I told them to not contact me any further on XXXX. I received another text from them today ( XXXX
Consumer complaint received 2022-01-24
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. (AL)

XXXX reported a collection to the 3 credit bureaus. I am not sure that collection is mine, however I did pay the collection and have attached a receipt showing it was paid on XXXX. The collection company told me ( See attached letter ) that they will remove the collection off of my credit report. As of today, the collection not only shows on my credit report, but also still shows the balance as not paid ( See attached paperwork ). This should have been removed and updated as paid but still has not been done. I have contacted XXXX about this and they stated I need to have the credit bureaus remove this.
Consumer complaint received 2022-01-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DRB-40, LLC (GA)

Was pressured into making an arrangement on an account, and was not given the option to dispute the debt. Creditor used an unknown number that didn't leave voicemails, and couldn't look up the number for validation. And I never received a letter in mail about debt or ability to dispute the debt because I have never felt the debt was fair. Was told creditor wanted me to make a payment within 7-14 days after contact, and would not accept a further out date that was good for me, so I had to make up a date that I know wouldn't work just to make sure no one comes after me. Colllector informed me, another company that owns the debt will not stop until they get the debt, and the statue of limitations is almost up, giving me a fear that that would sue me immeditely, so i called back a day later and made a arrangement because i just started a job thursday after being laid off for 2 years because of the pandemic. I called back and cancelled the agreement 2 hours later, because I felt it was a scam and a trick, and I was right. 

Called XX/XX/24 was trying to collect {$11000.00}
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (AZ)

This debt collection account was opened on XX/XX/1921. 
In the interim I never received a notification or billing statement requesting payment on the account. 

I then opened my credit bureau information around XX/XX/XXXX or XXXX and was stunned to see that this collection account I didn't recognize. 
I then discovered that the account had just been reported XX/XX/1921. 

I sent dispute letters to all three bureaus of which I haven't received any notification online that the disputes are even being worked on. 
I know they get swamped working on other accounts. 

I then sent online disputes about the collection account to XXXX and XXXX and a week later the results were " Account Verified '' as mine. 

I'm waiting for any results by mail, email, anyway. 

I have been rebuilding my credit history using credit cards all payments on time and this collection account has been an awful stain on it Please help ... Than you.
Consumer complaint received 2019-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information concerning this consumer to consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.