davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Upon reviewing my credit report, dated XX/XX/2024. I discovered an entry regarding a charged off account that contains inaccurate information. The account in question is listed as account # XXXX, and it is reported as charged off by Nissan Motor Acceptance Corporation. However, after thorough examination of my records, I have reason to believe that the information provided by Nissan Motor Acceptance Corporation is erroneous and does not accurately reflect the status of the account. Upon further examination, it has become evident that inaccuracies exist on the report such as the last payment date, balance owed, last reported and term length. Such inaccuracies not only tarnish my creditworthiness but also undermine the integrity of the credit reporting system as a whole. I request that you conduct a thorough investigation into this matter and verify the accuracy of the information being reported. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. Inaccurate reporting can negatively impact my credit score and financial standing.
Consumer complaint received 2021-09-10
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Hi, I am very upset you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent several letters, it's been over 60 days. I need these accounts deleted or updated. These are the items I demand be deleted immediately : XXXX/opened XXXX $ XXXX reporting twice misleading false reporting unverifiable and inaccurate reporting. This account is a duplicate which is a FCRA violation XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX {$8500.00} XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX CAPITALONE Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-09-10
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: NAVY FEDERAL CREDIT UNION (VA)

Hi, I am very upset you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent several letters, it's been over 60 days. I need these accounts deleted or updated. These are the items I demand be deleted immediately : XXXX/opened XXXX $ XXXX reporting twice misleading false reporting unverifiable and inaccurate reporting. This account is a duplicate which is a FCRA violation XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX {$8500.00} XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX NAVY FEDERAL Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (LA)

I sent certified mail to all three credit bureaus and still havent received a response. All the letters asked for validation of debt and inquiries and I havent received a response its been longer than 30 days!
Consumer complaint received 2019-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I have been a customer of Wells Fargo for many of years since XXXX. I set up for my mortgage company to draft my payment on XX/XX/XXXX and XX/XX/XXXX from my Wells Fargo account.They drafted payment on XX/XX/XXXX. I spoke with XXXX at Wells Fargo yesterday evening and she informed me that my mortgage was sold to XXXX in California on XX/XX/XXXX. I did not received any notification from Wells Fargo. I get all my mails and statements from them. I am currently in bankruptcy and paying arreages. I am concerned about what to do. I know I will contact my attorney, but how can I be sure this is correct. Information was giving, but I will not pay until I am sure this is correct. Need documentation.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Debt Mediation, Inc. (TX)

Please see documentation for dates and times. 

I reached out to PDM to inform them that I was receiving a federal grant from XXXX through XXXX to prevent homelessness, and that I was looking to have this account paid in full and deleted from my credit report. I was then told by my caseworker at XXXX that she would need a W-9 fromXX/XX/XXXXXXXX XXXX I called XXXX XXXX and asked them for it and got an extremely unprofessional response from both women one XX/XX/XXXX XXXX. She stated they cant give it to me and I had to further explain that I was trying to pay this account through a federal grant program. She then goes on to say we dont work with any grant programs. Finally after having her be so nasty with me I was able to get her to tell me the PDM has to be the company who sends the W-9 and takes the payment. I also had her email me the full ledger and balance and told her that I would be contacting PDM for the W-9 to be sent. 

I reached back out to XXXX at PDM ext. XXXX not too long after, only to hear that XXXX XXXX had just called and told him they wanted to settle my account for 50 % which is something I NEVER asked them to do and my every intent was to have this FULL BALANCE paid so that it will be DELETED. XXXX had his manager send the W9 form to my caseworker at XXXX. By the time I was able to speak with my caseworker she had already submitted the application for the grant with the settlement amount so the grant only paid half of the balance. However I do have a paid in full letter stating that I have a XXXX balance, but this was misuse of the government funds and still leaves me in the same situation ( homeless ) because its not been DELETED as it should have been. The calls were ALL being recorded.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I'm not sure what year it was. But it has been over 7 years and my ex husband opened this auto loan with credit acceptance. The car lot he got the car from is no longer open. The car was totaled out and insurance paid it off but credit acceptance is still trying to charge me for it. I have called and called and begged them to take this off my credit but they still want me to pay something to do that. I refuse to pay for something for one I never had in my possession and two the insurance has paid off
Consumer complaint received 2017-11-20
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. (FL)

I have opened multiple complaints passing over 20 since XXXX 2017 and all three Agencies were supposed to be updated and the same information via XXXX. I had freezes taken on and off the accounts our accounts in error by these agencies and that these agencies failed to honor. Our credit scores are low even though w e have paid down accounts and made arrangements to reduce high interest. This was supposed to be a favorable work while still paying our creditors on time. My wifes name is still wrong even though corrected multiple times. We have been hacked and turned down by creditors because of this for over 11 months causing ever PERSONAL FINACIAL HARM. We have done everything right and are still getting screwed. When will you do something about this?
Consumer complaint received 2017-11-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Navient keeps reporting incorrect information to the credit bureaus regarding my accounts, they are adding balances and subtracting balances and reporting incorrect late payments.This is adversely affecting my credit scores! I am in the middle of obtaining financing for a home for me and my children and their frequent updates are detrimental to this process. I have not received notice that I was out of forbearance during the times that the late payments were added to my credit reports. I have disputed with all 3 credit bureaus and Navient. I respectively ask that the lates reported from X/2013-X/2013 be removed immediately and set to current. I contacted Navient about the incorrect reporting and my loans were placed back in forbearance. Also, I want all loans older than 5 years removed off all 3 credit reports, as that is more than the statute of limitations for my state ( FL ). I need this done ASAP, as Navient is doing illegal collecting and reporting practices.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

filed a complaint numerous times, even though I have frozen my credit reports with the data mining companies including XXXX, this still seems to be reporting on the three main credit reports. Received a letter in XX/XX/XXXX from XXXX in XX/XX/XXXX from the complaint with cfpb stating that they are not reporting which is not the truth I am attaching report from today which still shows chapter XXXX bankruptcy reporting. They have been sent numerous letters asking their method for verification which they have not responded within the alotted time frame. I keep getting the same response verified by XXXX, but in the public records section of the credit report says its verified by the municipal court which is not true because I 've also attached a letter from the courts stating they do not report to the credit bureaus, so how are they verifying that any of this information is accurate or true. I believe this is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from a 3rd party and could easily be considered " false information ''
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank through XXXX XXXX processed my Email address incorrectly when I opened the card such that I never received a statement and then made me jump through hoops to waive the resulting interest and late fees. They even tried to negotiate with me to waive {$15.00} of the late fee vs. the entire {$38.00} late fee. In the end, they only waived one late fee and not the interest even when I paid the entire balance after finally receiving the bill. The Comenity team member was overly aggressive to protect the " Comenity policy '' on not waiving fees and interest when a payment is not received even when the fees and interest are bank errors on them and XXXX XXXX.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

filed a complaint numerous times, even though I have frozen my credit reports with the data mining companies including XXXX, this still seems to be reporting on the three main credit reports. Received a letter in XX/XX/XXXX from XXXX in XX/XX/XXXX from the complaint with cfpb stating that they are not reporting which is not the truth I am attaching report from today which still shows chapter XXXX bankruptcy reporting. They have been sent numerous letters asking their method for verification which they have not responded within the alotted time frame. I keep getting the same response verified by XXXX, but in the public records section of the credit report says its verified by the municipal court which is not true because I 've also attached a letter from the courts stating they do not report to the credit bureaus, so how are they verifying that any of this information is accurate or true. I believe this is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from a 3rd party and could easily be considered " false information ''
Consumer complaint received 2022-03-31
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. (FL)

I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, employer and phone numbers being furnished on my consumer report. I demand that the inaccurate information to be removed and update in a timely fashion.
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

I've tried numerous times to settle a debt with ERC ( XXXX XXXX XXXX XXXX, FL XXXX ). They don't seem to want to accept a settlement agreement. They're more interested in getting my credit card information. We agreed on a settlement fee of {$100.00}, but they tried charging a {$12.00} convenience fee which increases the settlement amount. I'm trying my best to make this go away, but every time I call they transfer me to 4 or 5 different people and say that only certain people can help me and then they try to include service charges and fees. Do they want to settle or not? I think not. This is not fair.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

In the later part of XX/XX/XXXX I received a call from a collection agency that my American Express account had been sent to them for non payment. On XX/XX/XXXX my city was struck by the XXXX storm my home and possessions were flooded. I was left destitute. My family had to walk thru waist deep water to get to high ground to be rescued. From the time I opened the Amex account until XXXX XXXX 2017 I  have paid my bill on time, even my XX/XX/XXXX bill was paid on time. My last payment was on or before the XX/XX/XXXX. However XX/XX/XXXX brought about a hardship. I called Amex and explained the situation as was told that I would be excused from paying the XX/XX/XXXX and XX/XX/XXXX bills. In fact I called all my debt account and explained my situation and was told the same. I have a great payment record with them and wish to keep it that way. I made a second call a few weeks later to confirm my being excused from paying XX/XX/XXXX bill just to be on the safe side and was again told that yes, due to the situation Id be excused. However, later that month I was called by a collection agency and told that my Amex account had been turned over to them for non payment. The lady stated that this might be a mistake because she sees that it is less than 60 days behind. I have been contacted by more than one collection agency regarding the Amex account. I find this more than upsetting ; I was a good paying client, I lost my house, my car, all my possessions because of something that I had no control in. I presented this information to Amex and was told that I could miss the XX/XX/XXXX payment without penalty. Yet they submit me to collections ; my credit score has been affected. Collection agencies are harassing me about the Amex account. 
Ive had issue with Amex in the past charging interest on purchases when I did not make purchases but this is too far. I am in a position where I need to rely on credit to rebuild life for my family and am being denied because of this stunt from Amex.
Consumer complaint received 2022-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Sensible Auto Lending, LLC (NJ)

On XX/XX/XXXX I made an online payment of {$130.00} for my car loan it was meant as an extra payment as my payment is not due till XX/XX/XXXX in the amount of {$63.00} and is set on automatic payments. When the payment was made it changed my next payment being due on XX/XX/XXXX in the amount of {$63.00}, when I called to make an additional principle payment to my loan since the payment I made on the 5th did not go to principle and you can only call to make principle payments, I was told I have a balance of {$52.00} that would need to be payed before I could make any principle payments. They state their system will not allow for a principle payment due to the balance of {$52.00} showing on the account. My account isn't past due and I don't have a payment due till XX/XX/XXXX, so I do not understand why I'm unable to make a principle payment. I feel that are trying to get all the interest on the loan as they can and make it very difficult or nearly impossible to make a principle payment on my loan which is not fair practice to follow. I have never missed a payment and I'm just trying to pay my loan off early and save money.
Consumer complaint received 2022-03-31
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. (FL)

I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, employer and phone numbers being furnished on my consumer report. I demand that the inaccurate information to be removed and update in a timely fashion.
Consumer complaint received 2017-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

Because of non-cooperation from XXXX XXXX senior claims representative and it forced me to call your headquarters office and spoke to XXXX XXXX and XXXX XXXX both were under the impression that I had an open claim with XXXX XXXX. 

What is the status of newly discovered Claim no. XXXX? 

What is the status of Claim XXXX?
Consumer complaint received 2017-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2017, I reached out to PayPal to obtain account statements for the account I had with them that I have since closed. They informed me that there is no way to access any of my previous statements or account activity because the account is closed.