davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-18
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: PENTAGON FEDERAL CREDIT UNION (GA)

The company Pentagon Federal Credit Union is reporting to the bureaus accounts I know nothing about.  I have been trying to have this information deleted because it was in fact of part of identity theft.  I have never owned nor had any accounts with the mentioned company.  Listed on my bureau as Pentagon act XXXX and the other has no account number at all.  This is and has been damaging my creditworthiness.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (FL)

The Credit Bureaus stated the below accounts were properly investigated from letters sent certified mail on XX/XX/2022 but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for immediate removal of all accounts. They also violated my rights under 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. 

I have not given these accounts written permission to furnish these accounts on my credit report. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXXXXXX XXXX  XXXX Acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ANY other adverse item of information, other than the records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

There are multiple closed accounts on my credit report which are 7, 8, 9, 10 and even 11 years old which are closed out. Most are from XXXX and Department of Education. I have filed complaints about all three of them I have directly contacted all three of them and filed complaint and this information never goes away. The accounts are closed or they have been Consolidated into different loans so they no longer exist and they Continue to update but they are not removed one of them is even twelve years old.
Consumer complaint received 2019-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (GA)

I have this company listed on my credit report and I have no clue nor idea what this company even does.  I have been disputing it with XXXX and they are returning saying valid.  I have been asking for my wet signature or documents that makes me the owner of this unknown account.  I was a victim of identity theft, and I assume this is one of the accounts?This is damaging my creditworthiness and I would like it removed.
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (IN)

I went to a dealership and was approved fort the loan the same day I applied. 

I was lied to and told that a paper I signed stated that the vehicle was worth more than my loan.

I realized after one year of payments when trying to refinance that the vehicle loan was more than double what the vehicle was worth. 

I was cohersed and under duress and extreme pressure. I was lied to about the terms of the loan and low income and XXXXXXXX XXXX household so was in desperate need for a reliable vehicle. 

There were many lies and misrepresentations through out my purchase process. 

Ive done some research and noticed that my same lender has been sued in class action lawsuits in several different states. 

What Chrysler Capital XXXX and XXXX XXXX in XXXX XXXX are predatory and I am hoping illegal. 

My income is {$45000.00} annually and they made me a loan for {$38000.00} plus fees. The interest rate was extremely high. 

I want this to be researched throughly and for other peoples loans through this lender and dealership to be subpoenaed and documented. This has to be illegal.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CO)

On XXXX I opened a account with sofi Bank and on XXXX I funded the account with XXXX dollars. Later that day on my first transaction for XXXX dollars they froze my account and refuse to tell me anything or allow me to speak with anyone that could resolve the issue.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Today on XXXX Friday the XXXX Bank of America has stolen {$12.00} out of my account for maintenance fees even though I have direct deposit to avoid this. Yet they still charge me every single month, sometimes twice if I dont check my account. They claim its a computer glitch but after the fourth time, this isnt an accident. Please stop them as Im sure this happens to millions of people who cant check their account or go through their entire months transactions. Theyre making millions off stealing from their customers and claiming it as bank error.
Consumer complaint received 2021-05-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Mortgage Capital Corporation (CA)

I refinanced my mortgage with General Mortgage Capital Corporation ( GMCC ) on XXXX, XXXX. In the initial XXXX form ( attached ) and the final XXXX form XXXX attached ) that I signed with GMCC, the forms all clearly state No Prepayment Penalty. I refinanced this Mortgage with another company on XX/XX/XXXX. 

I received a bill XXXX attached XXXX from GMCC on XX/XX/XXXX. In the bill, it charges me {$6100.00} for early payoff penalty. GMCC agent said, the mortgage has been sold to XXXX by GMCC in XX/XX/XXXX. XXXX charges GMCC for the early payoff penalty, and GMCC requires me to pay it. 

I have no responsibility to this early payoff penalty. GMCC should take full responsibility to the charge from XXXX.
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (CA)

This debt should not be reported on my credit, I believe since this debt is older then 7 years under FCRA should not be on my credit file please remove as soon as possible under the law.
Consumer complaint received 2019-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (SC)

Received alert from XXXX Credit monitoring about a new collection added to my report on XX/XX/2019.  Checked report, there was an entry for a collection with Capio Partners llc., for the amount of $XXXX.  I have not been contacted at any time from this company.  I have not received any written communication about this debt.  This debt is over 5  years old and is beyond South Carolina statutes of limitations.  This collection has bounced on and off of my credit reports 3 seperate times, under different company names found to be affilliated with Capio Partners llc.  The previous one, just earliar this year was from Assetcare llc., which I also never received any type of communication or written notice. This debt has been disputed several times, resulting in removal from credit report, just to pop up again later.  I believe the company to be using debt "parking" techniques in order to attempt to collect  this old debt, and to be monitoring my credit scores to try to attempt to collect over and over again.  I am in the process of rebuilding my credit, and my credit scores have increased significantly in the span of just the past 2 months, that is why I believe they are monitoring my scores in order to try to continue to collect on this repeated bought and sold debt, for this is the 2nd time this has occured.  The last time when it was reported under Assetcare llc.  was also at a time I had my credit scores increase in a short period of time.  Coincidence, I think not.  This has to stop!
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (GA)

I had purchased an item from XXXX and financed through affirm. The item was returned and Bank reported me as 30 days late. I also made a payment and paid in full. After speaking with rep they stated they would remove it but never did.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

The credit bureaus are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2022-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (FL)

I took out a " credit builder '' loan in order to build my credit, as a company advertising a product intended to repair credit, I'd have expected them to be more willing to understand the situation I ran into where I was unable to make payments at the time and work with me on a repayment plan while not completely destroying my credit. 

But instead, they treated this as a standard loan and destroyed my credit by reporting missed payments and not making a meaningful attempt to contact me and work out an arrangement until I could get on track.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAND HOME FINANCIAL SERVICES (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers.

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (PA)

I received several messages today from XXXX. They have called myself and every family member and threatened to take legal action against me. When I called back the statements he was making were false. I asked for his fax # and please and not contact any of my family member 's. The account he spoke about has been in active for 7 years. He quickly started calling me names and hung up on me. When I tried to call back he used more false statements and said he would call everyone I knew to tell them about me. Now he is calling my children 's phones.
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hello thanks for read this! 
Have a technical trouble to accss to my account on coinbase. 
Explains the reason. 
Recently I change my contry of Living, I am travelling in XXXX for couple of months and I will Come back to my home in XXXX. I was living in XXXX for 1 years and of course had a phone number XXXX. 
Because I close this account ( phone number ) I cant  have access to my account because they send my a code for change my password. I didnt want to XXXX this password but I wouldnt access to my account on my computer ( dont know why because on my phone this password was working ). 
I decide to change this password to have complet access to my wallet in both system. 
I dont receveit the code so I need to change of phone number on the website and my account but doing this i Need to verify my account. 
That there have trouble too because they cant verify my passport and a selfi of Me ( maybe because in my account its not XXXX for the contry of residence ) but I can change this of course because of the password I cant  have acces to my account. 
I try to call them few time nobody answers, I try to send some email for explain the situation but they send my a links for verify my account. 
I invest more than 1000 $ in and now I dont know what going on.

All this happening 2 last week ago. 
I open a request but nobody send me nothing. 
I have the felling to have lost this money!! 
I have my passport and all What I need to get access to my account its frustrating. 
I Hope you can give me a way to done something and get back this money. 
Thank you
Consumer complaint received 2020-07-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

My name is XXXX XXXX I am quite upset with the way Nissan Finance runs their arrangements. I am XXXX XXXX my XXXX  has been struggling since XX/XX/XXXX I was picking up a little then once the stay at home order was issued my XXXX  went down the drain XX/XX/XXXX. my account is due for XXXX for {$460.00} I contact Nissan explain my situation and I get helped with 3 months ( XXXX, XXXX, and XXXX ) XXXX comes around I get told I no longer qualify for assistance so I borrow money and cover a full payment. XXXX comes around another shutdown of places take place unemployment has also failed me since I have not heard any news from them and im still on ID VERIFICATION since I applied for PUA which is for XXXX  XXXX  people ... it has been confirmed I spoke to a supervisor via chat XX/XX/XXXX she told me I dont qualify for anymore assistance until XX/XX/XXXX I said fine is there any other way to work around it she helps me out and says can you at least cover {$230.00} I said I will do everything in my power to do so as I do not want a late fee on my account. mind you my paymetn is due XX/XX/XXXX so Im still within my 10 day grace period ... I contact Nissan again XX/XX/XXXX I let them know I was only able to cover {$150.00} but would cover remaining balance of {$88.00} by the next day said ok and he said once that payment posted it will show like the next month is due and I can call in and inquire about payment due date change ... .so today XX/XX/XXXX still within my grace period i get 4 calls from Nissan Motor Acceptance so I contact them via chat to keep my trasncrips and they said that arrangement is not valid and they just provided wrong information, I said wow so you guys just get to make arrangements and later say its not valid and customer servcie rep all she could say is " I dont see this going anywhere so I will let you go '' and I said well now you just get to shake it off say the arrangements was incorrect meanwhile Im here stressing to keep a good credit record + avoid late fees. and I did a couple of car washesd in my neighborhood to obtain this {$230.00} just to get told this. I do have all trasncripts and calls from Nissan Motor Acceptance harrassing me. and this is not the first time I get into arrangements then they just say " well the previous rep gave you wrong information so now im giving you correct information ''
Consumer complaint received 2019-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NC)

I've been in contact with XXXX XXXX who I've never had insurance with . I received a bill from them back in XX/XX/XXXX saying I owned money and then I contacted them saying this account isn't mine . I file a police report and sent it to XXXX XXXX and also the insurance commission office in XXXX NC . XXXX  stated that this account is fraud and they will no longer contacted me . My ex Daughter in-law ( XXXX  XXXX XXXX ) has stolen my identity with her new boyfriend XXXX  XXXX XXXX and purchased several cars and credit cards in my name . I'm XXXX years old and clearly this is wrong to place a fraud account on my credit report and send it to Credit Collection Services to collect money on a fraud account . My banker at XXXX XXXX just told me that I can't go to my loan closing on my new house due to this fraud account . Please remove ASAP or ill file suit against Credit Collection Services .
Consumer complaint received 2019-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

XXXX XXXX closed in XX/XX/2019. Loancare took over the loan. A mortgage payment was made in XX/XX/XXXXand XX/XX/XXXX using the old XXXX  account number. XX/XX/XXXX payment was properly processed and credited to my account. XX/XX/XXXX payment was paid by XXXX XXXX (my personal bank) but not applied to either my former account number through XXXX, or my new account number through Loancare. I spoke with a Loancare representative on XX/XX/XXXX and was told they were looking into the matter. XX/XX/XXXX and XX/XX/XXXX were paid using the new account number and the payments were properly dispersed into the mortgage account. I have received certified letters threatening foreclosure, despite keeping in contact with Loancare every week about this matter. A proof of payment of the XX/XX/2019 payment issued by XXXX XXXX was emailed to Loancare on XX/XX/XXXX and a ticket number was issued to me to ensure proper communication. XXXX XXXX has also ensured me they are working to resolve the issue. I have also reached out to the XXXX XXXX XXXX. The only thing I am asking for is the money either given back to me, or the money dispersed to my loan account.  It has been over 30 days since this problem has been brought to Loancare's attention, and I am frustrated by the lack of response and urgency.
Consumer complaint received 2019-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (GA)

Beware of a BEST BUY CREDIT CARD!!!!!!! The problem I have is they will not send me any letters about the debt. They say they can not give me a letter stating that I am willing to go on a payment plan with them. They stated they will send me a letter giving me the amount that is due, but nothing else. I have called and asked for the letter twice and have not received any information within the time it was suppose to come ( 10 business days ). I have called several times requesting to speak to a supervisor and is advised the same thing. It is currently being negatively reported on my credit.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pendleton Capital Management (CA)

I am gettin repeatedly harassing and abusive and threatening calls and voice messages by XXXX from Pedleton Capital. XXXX is also harassing and leaving abusive calls to my sister, who doesn't even reside with me. He is claiming they helped onto may asets ( I don't even have any ) and the ratting eagle action and jail. This can't go on and these people should be prosecuted for un-ethical behavior. Real collection agencies by law have to send a letter explaining the debt and not collect money over the phone. The phone is XXXX and they are applying harassing and threatening techniques.
Consumer complaint received 2024-03-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (TX)

Regional Acceptance has proven that they are a malicious as a company due to letters from asking Regional Acc If a certain laws would contain to me, could or would help me in this certain situation. The V.P. XXXX XXXX XXXX made a point to me how stupid I was due to laws I had sent to ( bureaus ) not to Regions Acc. or Truist Bank. I never wanted my rights to dispute to end in a degrading manner as it has. XXXX XXXX made it clear to me that I was not intelligent enough to ask for proof of what I was asking for. I received three letters so far from XXXX XXXX that really pertained to bureaus correcting their info and hope there is not more. I am sending a letter to Regional but do not expect much since the V.P. Of Regional Acc has treated me as XXXX XXXX has done. To anyone that is trying to verify information through Regional Acc or Truist Bank = BEWARE! This lady XXXX will degrade and make a point that your rights means Nothing!