davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SC)

I am currently disputing a debt with Nissan Motor Acceptance Corporation because the have violated my contract in the Truth in Lending Act. While disputing it I saw that they have violated the FDCPA as well due to me a having a cease and desist against them ( USC 15 1692c ( c ) ) meaning ceasing communication ; if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ; ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

This was not the case with Nissan they did not give me any remedy and they continued to send me statements saying that I owe a debt after they received the cease and desist and not only did they send me statements they reported late payments on my consumer report which a violation of the FDCPA. 

I have called them about about this matter and all they did was put me on hold and transferred me to different managers and the last one told me that her manager was in a meeting and to leave a voice message and he still hasn't returned my call. This is shameful that I have to go through this in order to get this company to follow federal law. 

I am also demanding my payments that have paid on this alleged debt be sent back to me according to ( 15 USC 1692h ) If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. 

I demand that Nissan start abiding by the law take of of this matter so I will not receive further injury.
Consumer complaint received 2022-01-26
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SLM CORPORATION (IN)

I have already filed one complaint regarding an inability to access my account to verify payments. 
The vendor -- Sallie Mae -- responded with a letter stating they received my last payment, but the balance due is incorrect and they refuse to allow me to verify payments and balance due. 
The balance was {$26000.00} in XX/XX/2021 according to their website. Sallie Mae is now stating the balance to be nearly {$30000.00}. 
The stated balance is incorrect, and their refusal to grant me access to the entire account is problematic. 

In addition to Sallie Mae refusing to give me a complete accounting, they have responded to me with a letter they placed under my account on their website -- Which I can not access. 
I responded to the notification of the letter placed in my account, and I received a bounceback response the mailbox is not monitored. 

Sallie Mae did send me a letter stating they received a payment in question, but again, they do not give me any accounting details to authenticate the balance they state is due. The balance does not agree with the records I have. I believe they have added illegal additional interest and fees, but without an accounting by Sallie Mae, I can not verify the purported balance due. 

Sallie Mae is intentionally denying me the ability to verify their accounting and their accounting appears to be incorrect or blatently false.
Consumer complaint received 2022-01-14
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. (GA)

I have one late payment in 2020 during the COVID period, XXXX XXXX XXXXXXXX reported me late during a period where the cares act covers consumers during hard times. I have attached a letter please have this late payment deleted
Consumer complaint received 2017-08-23
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. (IL)

In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found XXXX XXXX reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help
Consumer complaint received 2021-04-14
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. (GA)

The credit bureau is reporting inaccurate info on my credit file.The account in question is XXXX XXXX XXXX. The late payments are erroneous because of identity mismatch. This account is being confused with a relative with the same name at a different address.
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/2019 I secured a loan for a home that I purchased. XXXX XXXX XXXX XXXX. Loan amount {$75000.00}, Purchase price {$97000.00} appraisal value. The loan was sold to CITIZENS ONE, with a balance of {$75000.00} on XX/XX/2019. I received my first mortgage statement, and they are charging me PMI. I contacted CITIZENS ONE, multiple times and they 1st responded that I was not under 80 % ltv, to remove the PMI ( they finally used a calculator ), then on a second response stated I need to be under 70 % ltv. ( loan to value ) I have spent thousands on updates and the current appraisal is {$110000.00}. CITIZENS ONE is still charging me PMI. I've never missed a payment, and I make the payment due, 2 weeks in advance, and now @ 63 % LTV. CITIZENS ONE IS UNLAWFULLY CHARGING ME PMI
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (WA)

My Citicard balance was sent to me via email and it did not look right. It was {$1000.00} more than it should have been. I tried to access my account and it did not let me in. 
I called the fraud unit and got a run-around since I do not have a telephone with an account plan. We just got a US pay-as-you-go cellphone. Most importantly, I just returned to the US after 10 1/2 months in XXXX where we keep our sailboat. The credit card company knew we were in XXXX XXXX XXXX XXXX and that I used that card to pay the marina charges. I also told them of other recent travel charges that could be on the card. They would not give me any information, implying that I might not be the card 's owner. They still insisted they were protecting the card holder. Well, that 's me! My husband and I are retired and in our XXXX, living on our XXXX sailboat, now in XXXX. We returned to the US on XXXX XXXX, 2015. My internet access in the US is better than in XXXX. I immediately sent a letter to CitiCard complaining about the service. If I could learn of the unwanted charges, I might be able to determine who had access to the card number,
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX, XXXX XXXX XX/XX/XXXX {$1300.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2016-11-25
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (FL)

I upgrade my credit card with American Express and I was told my reward dollars would be transferred to my new card, I doubled checked before I cancelled my old card and was told that my rewards {$35.00} would move over to my new card so I cancelled the card.I waited two weeks to check on my rewards and was told they ca n't transfer the money, I lost the money.
Consumer complaint received 2022-01-14
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)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$410.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8600.00}. Inquiry : XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-07
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, Under the U.S Code 1681b title 15 permisable purposes of consumer, I never given you any written consent to report anything on my consumer. 

No where in federal law is it written that a debt collector or consumer reporting agency msut report any information to a consumer report regarding a consumer EXCEPT under the written instructions of the consumer, and I XXXX XXXX, the consumer, did not give no consumer reporting agency or debt collector any type of a written instructions. 

By law the following alleged accounts must be deleted immediately since they are in fact a violation to me as a consumer and any name or address that does not reflect my actual name XXXX XXXX XXXX and my place of abode, XXXX XXXX XXXX, XXXX, PA, XXXX must be deleted immediately. 

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY Acct. # XXXX XXXX  XXXX XXXX Acct. # XXXX
Consumer complaint received 2022-08-26
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: WELLS FARGO & COMPANY (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : WELLS FARGO DEALER SVC XXXX Date Opened : XX/XX/16 Balance {$0.00}
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C/C Financial (TX)

I have sent debt validation letters to Preferred Lease twice as well as disputing the incorrectly reported information for a Lease for a mattress that was only {$900.00} that now says it is {$2500.00} plus what was already paid. Preferred Lease has not answered phone calls or emails, or replied to debt validation letters. I have received no contact and yet they continue to report the debt as valid to XXXX.
Consumer complaint received 2019-01-08
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)

There are two collection accounts from XXXX and XXXX XXXX XXXX. XXXX has confirmed my account with them is in good standing and I have never used XXXX XXXX XXXX for anything. There is also a Minnesota address on my credit report, but I have never lived there or even been there in 20 years. Neither Transunion nor XXXX  will rwmove this fraudulent information.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Hello. 

As a conscientious consumer, I work very hard to to play within these unfavorable rules of credit reporting/scoring. I have NEVER missed/been late on a payment, CONSISTENTLY stay under 30 % utilization ( usually5-10 % ), but my score just blips upward month after month. IFEVER, i use my credit in an event ( even staying well-below 30 % use ), my score goes down a significant ( unfair ) dive. 
If, the very next month, I PAY OFF the same amount used ( or more ), my score doesn't RECOVER by the same points. 

It is unfair, but ESPECIALLY in these HARD times of COVID that the " systems '' are so unfavorable to temporary usage. They should allow a 3mos period to see a pattern, before damaging our score. And ( at least ) should recover our scores with SAME aggressiveness by which it lowered it. 

It is very disheartening and oppressive to get kicked when down, but ignored when consistent ( trying ). Americans are suffering, and struggling. 
Who cares? ( seriously ).
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (WI)

In XXXX, my first child was born. He is adopted, so there was a significant financial cost associated. In XXXX I lost my job. I contacted Discover card because it was going to be difficult to pay my monthly bill, and the interest was accruing rapidly. I entered into a XXXX payment agreement whereby I would pay {$250.00} a month ( {$100.00} or more less than I had been paying ) and the interest rate would be lowered during this period. I authorized Discover to deduct through ACH the {$250.00} from my checking account on the XXXX of each month. In early XXXX, I had not yet found work. I had taken on gig work to bring in some income but still was unable to make the XX/XX/XXXX payment of {$250.00}. I contacted Discover again, and the customer service person said that he/she could change my payment date from the XXXX of each month to the last day of each month. I agreed to this, and my XXXX payment was deducted on XX/XX/XXXX. Shortly after, I logged in to my Discover account and noticed conflicting information. Some places in my account said that my next payment was due on XX/XX/XXXX ; others said XX/XX/XXXX. XXXX part of my account also said I had a past-due amount. I was confused and contacted customer service. The person I spoke with insisted my payment date had never been changed and that I did have a past due amount. After contentious back and forth, I revoked Discover 's ACH authorization. I have attempted multiple times to speak with someone higher up, but I more or less get the same responses each time, always including inaccurate information about my account, the payment plan, etc. I have now received a letter from Discover saying that I am in default. In the meantime, I have continued making small payments to my account.
Consumer complaint received 2024-05-31
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC (VA)

I paid {$120.00} per month for credit repair services. Before I joined the XXXX, during covid, I had a {$6.00} maintenance fee for a credit card bounce- which in my mind would cause a negative item to appear on my credit report even though it is small. A few months later I enlisted in the XXXX, and due to my recruiter not completely conveying accurate information regarding the pay schedule, I was unable to make a payment for my vehicle while also not being permitted any extra phone time to figure it out. I was in an area with unreliable cell service, and furthermore was not permitted to use the office phone. While at XXXX at basic training from a XXXX  injury awaiting XXXX, I utilized the services of the financial advisor. I know we called my bank, and got my car loan APR dropped to 6 % from 17 % utilizing the Servicemembers Civil Relief Act. I believe we also addressed the issue with not making a payment on time- and I believe the bank either did not report the negative item or retroactively altered the report. After I XXXX  XXXX and arrived at my duty station I began paying for credit repair services with Lexington Law XXXX. In my mind there was one, and potentially two negative items that should be on my report history. I did not check my credit report. I paid Lexington Law for a bit over a year. They advised me that there were XXXX negative items on my report and they were working to remove them. It took them over a year to remove 6 of them, which was when I had canceled my subscription because I only took home {$19000.00} dollars after taxes that year and I could not afford anything beyond the minimum, with mounting credit card debt, and vehicle repairs that cost me thousands of dollars. I then checked my credit report with the XXXX bureau 's and found that there were in fact XXXX negative items on any of my report histories. I downloaded Lexington 's " version '' of my report which lists negative items, while also printing my XXXX reports with no items. I paid them apx. {$2000.00}. Today I tried to log in to get my account information, but they have eliminated my email from their system and it does not recognize my email. It may not seem like much but I really need the money since I make very little and I live in one of the highest cost-of-living areas in the nation, outside XXXX. The XXXX Lawyer advised me to submit this report. I legally changed my name from my fathers given name to my mother 's family name and grandfather 's name. It previously was XXXX XXXX XXXX XXXX it is currently XXXX XXXX XXXX XXXX . My social security card has been updated, as well as my birth certificate and drivers license.
Consumer complaint received 2021-03-09
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. (NJ)

I wrote Equifax numerous letters in regards to inaccurate, incomplete, and unverifiable medical accounts that are reporting on my credit report. 

My first letter went out on XX/XX/2020 The second letter was mailed out on XX/XX/2020 The third letter was mailed out on XX/XX/2020 The fourth letter was mailed out on XX/XX/2020 5th letter was mailed out on XX/XX/2020 I haven't received any notice and response back from Equifax in regards to the medical items that reporting on my credit report and are impacting my credit file. 

This account is not reporting the name of the Original Creditor Name, Date of Last Activity is not correct and has been updated which is not properly correct.