davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
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: Carter-Young, Inc. (NY)

During the XX/XX/XXXX-XX/XX/XXXX I was the guarantor for an apartment for my college bound niece. In XX/XX/XXXX, my niece moved from one apartment to another within the same housing development. I was unaware of this as I did not sign as guarantor for the XX/XX/XXXX-XX/XX/XXXX year. On XX/XX/XXXX I received a collection notice from a collection agency informing that there was an outstanding balance of {$270.00} owed to the housing development. There was no explanation of the charges, only the amount due. The letter also indicated that it was a final notice ; yet it was the first that had ever been sent to me. The letter stated that full payment needed to be received by XX/XX/XXXX. With one day left to get information about this letter, I immediately called the phone number provided. When I asked why this debt hadn't been collected prior to my niece moving from one apartment to another, the agent had not been aware that a move had occurred. My issue is that before my niece signed a new lease and moved into a new apartment, any outstanding debt she owed should have been collected. It was the error of the management company to allow her to sign a new lease, then a year later try to collect on this debt and not inform me prior to this final collection notice. I was very upset and requested proof of this debt in writing. The agent also became very upset because I expressed how little she knew about the account for which she was trying to collect this debt, and she transferred me to her manager. I refused to explain the entire situation again and just requested proof of the debt in writing once more. The XXXX asked for my e-mail address which I provided for her and the call ended. On XX/XX/XXXX I received an alert that my credit score had decreased by XXXX points. I was never given any notice of this debt prior to this single letter. My credit score was decreased before I had a chance to review proof of the debt which I didn't receive via e-mail until XX/XX/XXXX ; 7 business days after I had requested it.
Consumer complaint received 2024-05-21
Product: Mortgage — Manufactured home loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRIAD FINANCIAL SERVICES, INC. (TX)

I try to submit original payment for mortgage amount and they rejected it because the amount supposedly changed so I resubmitted the new payment amount and by the time they inform me about the Miss payment information, they have already reported it to my credit supposedly by one day and they told me that theres nothing they can do about it
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I traveled to XXXX on XX/XX/XXXX, and at the airport I wanted to order a XXXX to drive me home. Imagine my surprise when I discovered my account has  been frozen with my funds with no explanation or notification from the bank. I was completely helpless and shocked with no means of transportation. I will spare the details but thank XXXX a very kind stranger helped me out. Days later, I receive a mail saying my account has been closed and my funds ( more than XXXX $ XXXX ) will be sent in a cashier check. It has been 2 weeks already, I havent been able to feed myself properly, I havent been able to work with no means of transportation and I havent been able to pay my rent. I called Bank of America and went to my main branch but they still asking me to wait. I dont know what to do anymore Im desperate. Please can your institution help with my case
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Stop trying to profit off the consumer. I in no way had a contract with 2 companies. Portfolio Recovery needs to prove they bought the debt with a bill of sale and contract on XX/XX/2017. XXXX XXXX needs to identity they are still the true owners of this account. You charged it off so did you sell it? If you sold it to Portfolio then you cant collect 2 x. 

Fix my report. You don't understand when a consumer loses their job, you try to damage them even more. You have to produce proof of ownership. If you own it then update my credit report to reflect original creditor date. I had a contract and you can not change the contract terms. 

You've paid off 0 % of your collection amount. 
Balance {$590.00} Highest Balance {$590.00} Opened XX/XX/2017 ( 1 yr, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX  See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-10-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (IL)

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Consumer complaint received 2018-09-18
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. (CA)

Approximately late XX/XX/XXXX, early XX/XX/XXXX, I disputed the balance reported by Transunion on my XXXX XXXX XXXX XXXX XXXX CC Visa account ; through XXXX XXXX online and directly with Transunion. Transunion is reporting my credit card balance in excess of {$10000.00}. XXXX  in contrast, is reporting the balance correctly, {$600.00} or less. I have disputed this balance and issue three times within this month directly with Transunion. They have reported back, the {$10000.00} balance is " accurate '' as reported by my Credit Union. I have contacted my Credit union and demanded my balance be reported correctly to pertinent credit reporting agencies and inquiries. I confirmed my balance to be {$600.00} or less and requested my account be annotated regarding our discussion and this credit card balance issue. Please enforce and/or advocate Transunion and XXXX XXXX XXXX XXXX XXXX accurately report my credit card balance. Thank you.
Consumer complaint received 2020-10-22
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (NY)

The account in question in discussion is Ford Motor Credit Account # XXXX the issue at hand is a late in XXXX 2020, in XX/XX/2020 I got sick with XXXX I tried calling to defer the payment and could not reach anybody at Ford Motor. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2018-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have sent several dispute letters to Transunion, and they continue to send me stall letters and not provide results. I have sent them all the documents they need several times, and they continue to stall.
Consumer complaint received 2020-10-22
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: DISCOVER BANK (TX)

This is a continuation of Complaint/case number XXXX. 

In the response from Discover on XXXX XXXX, 2020, they claim that the transaction was resolved and that a credit was posted to my account. To refresh you, I was trying to receive a refund for a cruise trip that was cancelled by the cruise line. The cruise line was violating the federal law and merchant agreement by not promptly returning the money I paid. 

In Discover 's letter, they claim that the refund was posted to my account. However, since the letter was written, Discover reposted the charge of {$4100.00} back on my account. When I called them about it, the claim that I am not due a refund and can not find the refund that was sent from the merchant, even though I have faxed to them paperwork from the merchant with the refund transaction information. 

I have made several calls to the individual who signed the XX/XX/XXXX letter, however, their voice mail box is always full and messages left in the generic voice mail box have not been returned even though they state that they will do so within one business day. 

Thank you.
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

On XX/XX/2018 I received a letter ( dated XX/XX/2018 ) in the mail from XXXX XXXX XXXX. I opened it and found myself equal parts surprised, confused, and a little scared. The letter stated that they were a collection agency attempting to collect a debt. I found this very odd as I have a good credit score and pay all my bills. I looked at the amount ( {$330.00} ), and the original company claiming the debt ( PayPal ). I instantly became suspicious as I have only used the account once, which was several years ago. I checked my PayPal account. It confirmed that my account balance was indeed {$0.00} and that the last activity was years ago. I`m going to attempt to contact XXXX, but after a quick google search pointing to a scam, I`m apprehensive to deal with them. Thank you for your time and consideration.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Experian decided to respond to my complaint ( XXXX ) that was initiated on XX/XX/22. They mentioned that the inquires that I mentioned, were unauthorized, were linked to open accounts that " was '' on my report, meaning that they are no longer there... if we are going by their word, they are openly admitting to NOT following the FCRA guidelines by reporting inaccurate information this is in violation of 15 USC 1681e ( b ). How are you going to claim that inquiries that I, as the consumer am telling you are unauthorized, are valid because they are linked to accounts that " was '' on my report. They then proceed to say, that they were removing 5 inquiries that were included in my complaint because they noticed that they were " duplicate '', this is also a violation pursuant to the FCRA as they are supposed to be sure that there are not inaccuracies on my consumer report at ALL times. They also said that the inquiries shown are a " factual record '' and shall remain on the report for two years ... if I am telling you that these are unauthorized and you have no way of verifying that an application was submitted by me, you are required to delete these items. It should not have to take me filing a complaint for this agency to do their job. They then proceed to mention permissible purpose, which I am glad that they did. According to 15 USC 1681b ( a ) ( 2 ) they never received my permission in writing to furnish my personal information in the first place. There was also a mention of a reinvestigation being done, this is also an admission that you all have violated the FCRA, you all NEVER reached out to any friends, neighbors, or family members and conducted interviews as stated in 15 USC 1681a ( e ). How can you claim that you know these " unauthorized inquiries are factual, if you do not receive " applications : from the " credit grantor ''? This is an ASSUMPTION and is no where outline in the law. If you so called knew that these inquiries were factual based on accounts opened and I am disputing the validity, there is no FACTUAL evidence for you to go off of. There are NO current open accounts with any of the companies who Experian has allowed to gain access to my consumer report.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: National Consumer Telecom & Utilities Exchange, Inc. (NJ)

NCTUE was contacted three times via US Mail on or around XXXX 2020 regarding my yearly consumer disclosure. Not once have they responded to me. This is my final attempt to request my yearly disclosure.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WA)

I am writing to file a complaint regarding Nissan Finance 's handling of traffic citations associated with my leased vehicle. On XX/XX/2024, I was charged by Nissan Finance for two traffic citations. Nissan Finance paid these citations on my behalf and then added the full amount to my bill.

I was not informed of these citations beforehand and received no notification or letters. Nissan Finance reported to the court that they owned the vehicle, which prevented any correspondence from being directed to me, the lessee. As a result, I was unable to contest or defer payments for these citations. 

Had I been informed of the citations, I could have contested them and potentially avoided paying the full amount. Nissan Finance 's actions have left me without any recourse, as they paid the citations directly and charged me the full amount without giving me the opportunity to handle the matter myself. This feels akin to extortion.

When I contacted Nissan Finance 's customer service, I spoke with a manager ( ID : XXXX ) who confirmed this practice. I have also submitted a complaint with reference number XXXX and intend to pursue this matter in small claims court. 

I seek assistance in resolving this issue, as Nissan Finance 's actions are unfair and have caused undue financial burden. 

Thank you for your attention to this matter.
Consumer complaint received 2023-01-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-04-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Respectfully request good will reporting to remove neg remarks on my credit account. account was paid off in full. Company keeps putting me on hold and not returning calls or written correspondence.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

Fraudulent charges were placed with My BestBuy credit card ending in XXXX. This is the second consecutive month fraudulent charges were placed on card. The card has a XXXX  balance. 

Called company last month, reported incident, requested account closure and requested that no replacement card be mailed. I received replacement card, called BestBuy and they now claim their systems are down. I have had two disconnected calls. 

I have the card in my possession and have never activated card. What prompted this was an email I received from BestBuy/Citi stating my payment was due alert. I want the account closed and all charges waived. The charges are for {$140.00} due on XX/XX/20. 

I am a XXXX citizen and can not resolve this on-going problem. Please help me!
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I make my monthly payment by check and Priority Mall it to the company, Lakeview Loan Servicing. 

I mailed my XXXX payment on XX/XX/XXXX for {$970.00} and they are saying they have not received it yet. Now they are charging me a late fee of {$26.00}. 

Is it possible they are holding the check and not cashing it in order to collect a late fee? Can you check this out. I don't trust this company.
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Phone call XX/XX/2018 @ XXXX from phone number XXXX Phone call XX/XX/2018 @ XXXX from phone number XXXX Phone call XX/XX/2018 @ XXXX from phone number XXXX Phone call @ XX/XX/2018 @ XXXX from phone number XXXX Federal law ( FDCPA ) requires them to send me a letter ( US MAIL ONLY ) postmarked within 5 days of their first contact that contains their name, physical address, the creditors name, and the amount of the alleged debt. It also must contains mini-Miranda telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. 

I have received zero written notices regarding any outstanding debts however this company has called me constantly for at least a year. I have tried blocking their phone numbers, they keep changing phone numbers and calling me over and over again.
Consumer complaint received 2020-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX 100 WORD REBUTTAL The request for what you sent me was asked by XXXX XXXX XXXX, not me. 
I have no file number I know of. 

Facts : I canceled my XXXX 3 month membership the night before it was to expire. 
XXXX automatically renews membership if cancelation is not made. 
I informed XXXX XXXX that I canceled membership and I wouldnt pay if XXXX   charged me, and was told not to worry they wouldnt pay. 
XXXX told XXXX XXXX that they didnt read the cancelation until after the renewal and charged my account. 
I checked my three month extension to see if it had been closed twice over the next two weeks without using it. It was still active. 
XXXX XXXX still paid XXXX and charged me. 
I checked my account in mid XXXX and it was closed. 
XXXX XXXX XXXX owns XXXX XXXX Credit card. 
XXXX did not close my account after I closed it. 
I was charged for a closed account by XXXX for three more months. 
I did not use the account and the account was closed before the end of one month. 
I paid {$74.00} to XXXX XXXX XXXX to clear my account in XX/XX/XXXX. 
XXXX XXXX XXXX said they would and it would be cleared 30 to 60 days from XX/XX/XXXX, one to two billing cycles. 
TransUnion. a credit check company : XXXX XXXX XXXX, XXXX, PA XXXX said my account went to charge off and wouldnt be cleared until XXXX. 

Yours faithfully,
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (MD)

My Name is XXXX XXXX XXXX ( This is an important not as many systems can not take the XXXX in there system and it causes confusion with both my father and grandfather XXXX, XXXX which are still living ). 

So in XX/XX/XXXX i was notified of a debt collection from XXXX XXXX being collected by the Collection Bureau of America ( NMLS ID : XXXX ; XXXX XXXX XXXX XXXX, XXXX CA XXXX ). So i called the collection company to get the details of what was happening and discovered that this was a case of mistaken identity. 

During XXXX at the XXXX XXXX XXXX i did a rent to own water cooler from XXXX XXXX. When i graduated in XX/XX/XXXX and started working i paid it off. My father wanted to keep the water cooler so we transfer the account over to him. However, in having the same name and not being able to distinguish between the XXXX and the XXXX. Nothing changed. At this time the account was paid off and transferred. 

Fast forward to Fall of XXXX my father made transactions on the account, that was now his that XXXX   XXXX never changed the finance information for. This was never a transaction that i authorized or was even knowable of. I have not live at XXXX XXXX XXXX, XXXX md XXXX since XXXX. So i called XXXX XXXX to make them aware of the issue and they acknowledge the mistake but since the account had been sent to collections and after escalating through various levels of management they did not know how to handle this situation. I then had them look at the payment method of how the account was being paid as proof that it wasn't me and indeed the account was linked to my fathers debit card. I talked with Collection Bureau of American as well as did my father to clear up this matter up. We did this on three separate occasions in XXXX and the collection agency assured me that they would remove it from my credit report. I also filed a dispute with XXXX about this claim but because of the name and the fact that i lived there and the limit texted to explain this situation. I got no where with this either. After multiple check to my credit report over the next year this transaction was never removed. When call back to XXXX XXXX i was repeatedly ensure that this was being address. However, once the case worker was changed all was forgotten and i am left with no other option. I contacted a lawyer about this matter and they pointed me in the direction of this website. 

I also asked the collection agency to provide proof that i authorized this transaction. What they sent to me was the original document in XXXX. What i pointed out to them is that the activity for which this seems to be associated with is 10 yrs after the transaction that I authorized when i did own the account. This should have been a rather large red flag. I then asked them does it seem plausible to be collecting a debt 10 years after the fact when the amounts don't even align.