davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I regrettably bought a brand new XXXX  XXXX from Nissan Motor Company. 

This was the first time I ever bought and financed a new car and first time using XXXX XXXX with XXXX  XXXX XXXX. XXXX said my first payment was late by ten days. ZERO people called from XXXX to notify me of this issue. TECHNICALLY I made two payments the first month which should have covered everything. I was contacted over 4 years later (!!! ) saying I owed a late fee. 

The person who called had been harassing me for weeks and when I was home on XXXX XXXX, a National Holiday a foreign speaking person asked for my bank routing number to pay some sort of late fee. As I can show I made every payment perfectly.

My credit scores for 28 years has been flawless. A perfect XXXX XXXX  score. Thats so perfect and nearly unheard of. 

XXXX now claimed I owed a late fee for over 4 years. Is this really the game they play with perfect paying customers. 

They also recorded my phone calls and with me living in Florida that would be a crime.
Consumer complaint received 2022-03-25
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. (IL)

On my credit report it says Im XXXX  and have no credit. I just recently came across this while applying for a credit card and a loan. Im only XXXX Im not disabled or retired and I need to b able to access some type of credit. Im n a bind right now and could really use it but I knew it was messed up because someone hacked my computer and switched a lot of information up on it.
Consumer complaint received 2022-10-26
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: WELLS FARGO & COMPANY (MI)

I am at a complete loss what to do with this guy ordered some services from a website called XXXX XXXX and I used my Wells Fargo card to pay for it nobodys disputing the fact that I did order it and I did pay for it the trouble is the company never sent anybody out And refuses to communicate with me and as far as I know they havent been able to prove anything other than the fact that I ordered the service which is true but that doesnt mean they showed up so I went to Wells Fargo and I asked for help I explained it in detail I was at my wits and I didnt know what else to do but I asked Wells Fargo for help unfortunately as nice as their representatives are they have sadly let me down every time I hang up when they said dont worry about anything were gon na take care of it youre not responsible for all of this if they didnt show up you dont have to pay I said OK they asked for one piece of information for me they want me to write a letter explaining the transactions that I was disputing and why sign date it put all the information on it at this point I have sent the letter in three separate occasions I am at a loss as to why they keep saying they havent received it I mean I sent mail to other people and everybody else seems to get it Wells Fargo is the only one that seems to not be receiving my mail I have called multiple times Ive tried to work with Wells Fargo I dont take it lightly filing a complaint here but clearly I need somebody higher up to look into the details and Im just not getting that when I call the XXXX number theyre super friendly and they try to be helpful and Im very grateful to all of them but I still owe the money for services I never received
Consumer complaint received 2023-07-19
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. (CA)

My credit report is showing late payments to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or creditors customer service representative.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: GOLDMAN SACHS BANK USA (WA)

My name is XXXX XXXX, I am filing this complaint on my own behalf. 

On XXXX XXXX I sent out a cease and desist and letter to validate an alleged debt owed to Goldman Sachs through Apple Card. I have a green receipt to prove the letters was received at their facility. I received a green slip certifying that the letters were received at my mailing address just after XX/XX/2022. 

Goldman Sachs and Apple Card has failed to comply to my request to cease all mediums of communication. They have repeatedly called my phone multiple times, violating and failing to cease communication per my request. They have also left several voice messages, which is harassing.
Consumer complaint received 2019-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

I was notified this morning XX/XX/20 that I have a student loan payment of over {$400.00} due on the XXXX. 8 day notice, which is actually 6 business days of notice. This is atrocious and unacceptable. 

How am I supposed to come up with that money on the fly right before the XXXX holiday and right around the holiday season? I have at this time requested a forbearance due to my financial situation but this delay is absolutely egregious and irresponsible. 

XXXX day notice is and should be the norm, not this 6 business day notification. I can not fathom how this occurred and why it was not processed sooner nor was I notified earlier. I have paperless notifications and billing, so there is no excuse there to associate with snail mail being the cause or root of this delay in notification and notice.

I imagine I am not the only one to experience this and I can not believe this has happened. I am hoping that my forbearance is approved or I will be forced to submit a late payment, which will negatively impact my status as a borrower, have negative repercussions upon my credit profile and ripple into another stream of problems.
Consumer complaint received 2022-10-26
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. (VA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 IT also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B A creditor may not treat a payment on a credit account under an open-end consumer account plan as late payment for any purpose
Consumer complaint received 2021-10-27
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: U.S. BANCORP (CA)

On XX/XX/2021, I received notification of a hard credit inquiry on my XXXX credit report. Per the credit report, the hard inquiry was made by : US Bank XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX I did not authorize this inquiry and want it removed from my credit report. 

Thanks.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-17
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. (PA)

Hi the only name I go by is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This issue has been reoccurring since last XXXX with the 3 credit bureaus. I sent in documents on multiple occasions showing the address that were on file was not mine, I even sent in my drivers license and proof of address. I asked for the information to be updated and they still to this day refuse to update it. I explained that there were multiple accounts that I did not have access to and for them to send proof as to where they're receiving this information. They have yet to send proof. After the 3rd letter around XX/XX/XXXX I asked them to delete the accounts and the addresses that didn't belong to me and they ignored me. I know I'm not a professional company but I feel as thought they're being rude and not honoring my rights as a consumer. The accounts that I asked for proof of are XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX,
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have several accounts abused by identity XXXX of which are XXXX  XXXX, which I have paid one off almost {$1000.00}. The second I've paid {$600.00} into it and {$360.00} till its paid. I have tried disputing these several times and they keep sending me back letters saying they are legit. Accounts they are in collections they are most definitely not mine. I called a few years ago aswell and told them I had NO accounts at that time, yet they still did nothing.. I have been dealing with this for years and it has hurt my credit, my family and financial life so much. How someone can just take so much and they do nothing
Consumer complaint received 2022-09-28
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX 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 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 an account without my written instructions.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CT)

To : XXXX XXXX ( The House Appraiser ) & AmeriSave Corp ( lender ) RE : House Appraisal Reconsideration Pursuant to HUD, U.S Department of Housing and Urban Development Fair Housing Equal Opportunity ACT, Federal Trade Commission, it is unlawful to discriminate a house appraisal based on race, XXXX, religion, national origin, XXXX, familial status, and XXXX. 

Upon having an independent licensed Appraiser for the property on XXXX XXXX XXXX, XXXX CT XXXX on XX/XX/2022, the value of the property in question was found to be between $ XXXX - $ XXXX. Therefore the current market value for this property is $ XXXX and not $ XXXX. Legally speaking the difference between the two appraisals performed within 3 days apart is extremely enormous and is worthwhile to be reconsidered. Please reconsider. 

I sincerely ask that we resolve this issue amicably and in the most civilized form comfortable to both parties. This appeal for House appraisal reconsideration is only good until XX/XX/2022. If no action is taken or if there is no consensus ad idem ( meeting of the mind ), l will therefore assume that legal proceedings will be our only remedy. Please note : This is NOT a threat to anyone but only communicating my concern regarding my house appraisal dated XX/XX/2022. 

Thank you for your consideration in this endeavor. May God bless America.

Yours sincerely, ( Borrower )
Consumer complaint received 2022-03-25
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: EQUIFAX, INC. (IL)

On my credit report it says Im retired and have no credit. I just recently came across this while applying for a credit card and a loan. Im only XXXX Im XXXX  XXXX or retired and I need to b able to access some type of credit. Im n a bind right now and could really use it but I knew it was messed up because someone hacked my computer and switched a lot of information up on it.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (AZ)

We received a loan and our first payment was due XX/XX/XXXX. The amount was mailed with the temporary mail stub we received at closing and cleared our bank on XX/XX/XXXX. Payment sent to CrossCountry Mortgage LLC XXXX XXXX XXXX, XXXX Ohio XXXX. 

We notified the service provider in XXXX that the payment was not reflected even though it cleared our bank account. A copy of our bank statement was provided to the service. 

Our second payment was due on XX/XX/XXXX. It was paid on time, however the payment credited to XXXX and our XXXX payment was reported as not received. As you would expect the process has continued. After receiving no communication from the loan services ( except for statements that do not reflect the payments properly we are looking for additional support ). Even though we filed written complaints with the service provider we now today received a delinquent notice dated XX/XX/XXXX. We are at our wits end. Perhaps you can get someone attention at Cross Country Mortgage , LLC.
Consumer complaint received 2022-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a claim at the beginning of XX/XX/XXXX about a hotel committing fraud, posting an advertisement of free nights upon longer stays with misleading information that lead to my booking and stay at their facility. After inquiring with the owner of the hotel XXXX XXXX, who did not back up his false advertisement, I contacted my credit card company who advertised the protection of fraud and traveling purchases for their consumers of their XXXX XXXX XXXX XXXX After almost a year of battling with my card company, providing a substantial amount of documents, evidence and any information requested, they continue to not assist me. I have reported this to the XXXX  and have written a letter to corporate of Capital One where I was told to by an agent when I was told it was now past the time frame of when the charge was made. I havent heard back and I was even given false advertisement, from an agent whom I spoke with on XX/XX/XXXX who asked me to upload a second opinion letter to reopen my case, to which I complied. After getting another letter stating can not assist, I called again to speak to a manager at the dispute center where she specifically said, the previous agent gave me false advertisement and should have never reopened my case, asking me for those documents when regardless it was going to be rejected. Not to mention, the letter I received as to why Capital One could not assist me was because, it lacked all previously requested information, not because it was past the time frame therefore already giving me false information. I have wasted many hours and have tried to follow all the proper steps to have my fraudulent charges settled with very little help from my credit card company. I was told there is no one else with whom I can be transferred to for them to help me so I am reporting it here in hopes I can find assistance resolving my dispute case and for reimbursement of my charges with interest that has been charged to my account for the past year. I no longer have used their card and do not wish to use them in the future.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have My Account on Hold for 5 months, I Can not receive or deposit any money on My Account. Capital one Wants to Close My Account but they don't Want to Return the XXXX and XXXX cents That was Left in My Account. I Contacted Capital one and the explanation they gave me was That I did not Qulified for the PP Loan. I Have Proof on Paper Work That I was accepted for the PP Loan and I was also forgiven for the PP Loan. I Have Co workers that was also forgiven for this Loan with a different bank. Cleary Capital one is the Only Bank given People this Problem. I am very sick with XXXX I have a Family and I am in Need of the Money I Left in My Account. Please Contact me at XXXX or at my Email XXXX for any further Question ore Proof, Thank You and Godbless. Sincerly XXXX XXXX
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (WI)

I was a victim of criminals who posed as a celebrity and catfished me, placed me under duress and stress and got me to send them money via wire transfer which I did at my bank BMO Harris. The first criminal managed to get me to transfer {$1000.00} on XX/XX/2022. The second criminal got me to transfer a total of {$14000.00} which was broken down into {$500.00} on XX/XX/2022, {$3500.00} on XX/XX/2022, {$2000.00} on XX/XX/2022, and {$8200.00} on XX/XX/2022. This second criminal even went so far as so threaten me with criminal charges as he spun a story that he was arrested in the XXXX XXXX trying to get on a plane with a case of money which he sent me a video of the case of money and a picture of his plane ticket trying to come meet me because he had promised to pay me all of my money back and told me he punched a police officer and was taken to a XXXX. He proceeded to give me an email for the fbi who I emailed and the fbi sent me a clearance form to fill out which looked official so I filled it out then they asked me for {$50000.00} to get this celebrity out otherwise everyone would find out and his career would be ruined which of course was the last straw for me. Subsequently this celebrity told me that charges would be brought against me also. I did call and speak to one of the bankers that I had dealt with and she told me there was nothing BMO Harris could do to help me which I was extremely upset by and disappointed in because I have been a customer my entire life and really felt very uncared for and disrespected as a customer, not protected whatsoever which is why I found this route to get my money back since I was a blatant victim and have documentation of the wire transfers outside of the wire transfer receipt for {$500.00}, communication between myself and these criminals, email addresses, pictures, even a video to back it all up!! I appreciate your assistance with this matter as it has left me emotionally and financially devastated!! Not to mention scared since these criminals both have all of my personal information and I do live alone!!
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My bank of America XXXX  prepaid card was somehow hacked and XXXX was Stolen from my account.After disputing with bank of America, they denied and closed my claim. I called back in XX/XX/2022 and finally got a reconsideration to have my claim reinvestigated. It is now XX/XX/XXXX which is over the 45 days they said they will either refund my Stolen money or give me an update. I can't get the bank to give me any updates. My landlord has filed an eviction to pay or quit so I'm about to become XXXX  and it's not just me it's also my XXXX XXXX XXXX XXXX  I really need help .please help me get my money that was stolen.thank you