davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

In XX/XX/XXXX, Nissan Motor sent me my account to a collection agency and listed it as a charge off, without notifying me. Upon contacting them as to find out why my credit report was listing a charge off with them, they told me XXXX had finally submitted payment in full to them for my XXXX XXXX ( which had been totaled in an accident ) and the remaining balance was sent as a charge off. I asked why I had not been notified in order to pay the balance in full or make arrangements. I have never been late on any payment with any company. I continued sending payments to Nissan to pay for my XXXX even when it was totaled and I was the one staying in constant contact with them. For Nissan to think it is okay to list customer accounts as a charge off is no way, shape or form ethical. I have tried settling this disagreement with both Nissan and the major credit reporting agency ( XXXX ) to no avail. XXXX has said it must be Nissan who requests the removal that is affecting my credit. I have attached proof of making payments to Nissan even when I no longer had my car, I continued paying in order for a situation such as this not to occur. The statements you will see note the electronic payments of {$400.00} deducted by Nissan from my account every month. This year ( XX/XX/XXXX ), I even spoke to a supervisor at Nissan in the credit collections department asking what could be done to remove the negative charge-off affecting my credit. I was told to pay the balance in full and the charge off would be removed. I even received a written letter from Nissan stating this would happen. I paid the balance in full and still Nissan has refused to remove the negative charge-off from my credit report. You will see my past credit history reports excellent credit up until the events leading to this situation. You may contact me if you have any questions at XXXX.
Consumer complaint received 2023-03-10
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. (NY)

Experian is not providing me with my credit score or showing my credit profile. When I call, reps at the bureau state that I am reporting as deceased. Obviously, I am not deceased. My father and I shared the same name. My father has since deceased and I believe Experian has mixed our credit profiles.
Consumer complaint received 2022-01-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (OR)

Starting on XX/XX/XXXX I contacted XXXX XXXX with Cardinal Mortgage about refinacing. I gave him the go ahead on the process and sent in multiple documents as asked for. By the XXXX of XXXX. I had sent in multiple documents I was becoming frustrated. In talking to XXXX he said more than once that the customer assistance people just send out requests on a routine basis not necessarily aware of what has already been received. On XXXX XXXX I paid $ XXXXfor the appraisal. 

The appraisal was done XX/XX/XXXX and according to conversations with XXXX I had submitted enough documentation even though I kept getting requests from their assistance people. 

The closing date was supposed to be the first week of XXXX and now the rate lock has expired. I have tried to contact XXXX all this week with no response and called the corporate headquarters in North Carolina with no response. 

I believe they are dragging their feet since the rates are going up because of the govt stopping the influx of money into the system, inflation and whatever and not wanting to follow thru with my XXXX rate. 

I became so frustrated during the process that I threatened to pull out of the deal myself more than once but never did and if they had taken that seriously they wouldn't keep sending me emails requesting more documentation. No doubt my complaint will be refuted by them citing all the requests for additional docs but again, when I talked to the loan officer XXXX XXXX XXXX XXXX XXXX in Az. he assured me that " we were fine ''. 

If they had heeded my threat to pull out of the deal I wouldn't have received an additional request as recent as this XX/XX/XXXX. 

The only files I can attach are all the financials they requested which I don't necessarily want to send. Here is the latest email requesting more docs. 

Hi XXXX and XXXX, You have new to-dos for your home loan. Please sign into Octane and complete them as soon as possible to keep your loan on track. 

To access your loan in Octane, click here. 

Thank you, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Cardinal Financial Company | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX If I'm unavailable, please contact XXXX XXXX at XXXX between XXXX XXXX XXXX XXXX XXXX XXXX or email XXXX.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I applied for a Kohl 's credit card on a paper application with my SSN, and submitted it to the office of the XXXX XXXX store where I worked in XXXX, Tennessee. I signed it on XX/XX/XXXX. It required a manager 's signature before being sent to Corporate. It was denied, which was fine. ( I later applied in XX/XX/XXXX and was approved. ) But I need to know which manager signed my paper application in the office. Kohl 's will not respond to this info request, despite going through the FTC. The paper application denial listed as my application number XXXX. The letter from Kohl 's was dated XX/XX/XXXX. If they could find info on an old Kohl 's credit card from decades ago, which I included in a XXXX bankruptcy filing, then they can find this paper application.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CONTRACT CALLERS INC (UT)

Contract Callers Inc XXXX - I did not receive a 30 day right to dispute this debt as it wasn't owing because it had been paid. This should not be reporting on my credit report as I never received a statement.
Consumer complaint received 2020-11-03
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)

XXXX  and Transunion are failing to report the XXXX  partial account number XXXX and XXXX as In Dispute. These dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report to reflect these accounts as being disputed. I respectfully request that this be addressed immediately. I have contacted the bureaus to fix this issue, however I have not been successful. It is a violation of the Fair Credit reporting Act to not report accurate information on a credit report.
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Omnipoint Capital (MS)

When XXXX XXXX XXXX reaches out to me on XX/XX/2020 around XXXX oclock XXXX. They harassed me about paying a debt. Well i told them due to the pandemic Im not able to continue reoccurring payments. So I ended the conversation. Im getting my self together slowly but I dont need any ignorant people calling me. Times are hard now. I did give them two payments but I can not do anything at all right now.
Consumer complaint received 2021-07-17
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: CITIBANK, N.A. (NJ)

I used a CITI credit card to pay the down payment to a XXXXontractor ( XXXX XXXX XXXX ) to work on my house. After the first day it was obvious that he did not know what he was doing. I fired him and instructed CITI card to cancel my down payment ( {$2000.00} ) CITI card decided to do nothing. I am suing the contractor because he presented a false profile and false references on XXXXXXXX XXXX XXXX and did unprofessional work. I am also filing complaints against XXXXXXXX XXXX XXXX because they presented a false profile of this contractor and many false references. The problem with CITI bank is that they did not investigate anything. I am suing XXXX XXXX XXXX  for my {$20000.00} back. I am also pursuing a complaint against XXXXXXXX XXXX XXXX and I want to file a complaint against CITI Bank. They failed to represent me fairly in this case and it is costing me time and money. I want to sue them for that time and money,
Consumer complaint received 2021-08-11
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: Bread Financial Holdings, Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-04
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. (AL)

XXXX XXXX {$200.00} was paid by chaper XXXX and it has been placed on my report several times. 

XXXX XXXX- account belongs to XXXX XXXX I wrote to have my name removed from this account due to it was added without my permission. 


XXXX XXXX is not my account. 

XXXX XXXX refused payments due to I wouldn't renew my loan. 

XXXX XXXX is not my account XXXX XXXX supposed to fixed the merchandise and never did. I spoken with the manager at the location. Also advise them to come get it back.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

There is a collection on my account which XXXX took off, but it seems Experian has not removed it. XXXX was supposed to use XXXX XXXX to pay for my school tuition, and never told me they didn't apply it, I paid it the moment it was brought to my attention.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-07-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ronald H. Reynolds, Inc. (PA)

Ronald H Reynolds is contacting people in my family about me on several family members seeking to me. In fact you no my address and filed on me already. there seems to be a problem since I have file several complaints on Ronald H Reynolds & Associates Your been paid weekly with no response to certified mail and disputes to the bill that you have yet to reply back within reason.
Consumer complaint received 2023-01-31
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My home mortgage was with Bank of America. I has a corona virus related deferral for 6 months on my account. I called the bank on XX/XX/2020 to Cancel the deferral and start making payments they took 1 payment and put it towards the future and didn't cancel the deferral. called again on XX/XX/2020 begged to cancel the deferral and pay for deferral amount they told me it will take 4 business days to be applied on my account. I was trying to refinance with another firm XXXX XXXX to get a better interest. 
I kept calling Bank of America every day for 12 consecutive days, stay on hold for average 8 hours daily, they told me we can't apply the amount the system can't do it which resulted on me having to pay {$4200.00} to XXXX XXXX to extend my lock rate. 
Having unpaid deferral on my account prevents me from refinances that's why I payed and canceled the deferral but bank of America didn't finish the job in the promised time which delayed 2 refinance loans I was working on with XXXX XXXX. 
So basically at the time Bank of America was getting interest on my money that they didn't apply for my loan ether as malpractice to keep me from refinancing or just being incompetent they made me lose {$4200.00} for not following the time frame they gave. 
I'm asking Bank of America for my expense not including the hours I spent on this matter until it got solved.
Consumer complaint received 2018-07-15
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. (MD)

XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies I applied for an apartment on XX/XX/XXXX at " XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX '' ..XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX , MD XXXX. Phone : ( XXXX ) XXXX. Someone from this company, fraudulently access my credit file twice. I didn't give no one permission and therefore someone needs to be held accountable. My request is to have the one dated XX/XX/XXXX removed off of my credit report, if not both of them removed. 

The XXXX XXXX XXXX is the firm ... Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2020-10-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Hey, my name is XXXX and I mailed out a few dispute letters to XXXX   XXXX and Equifax. They have failed to respond and it's been over 60 days with no response. I just want inaccuracies to be removed that I highlighted in my dispute letters. Thank you
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

On XX/XX/2018, XXXX inquired into my XXXX and EQUIFAX credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.
Consumer complaint received 2017-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (KY)

I have an XXXX card issued through Comenity Bank. I told them ( XX/XX/XXXX ) to close my account, which had a XXXX balance and is never used - and I received a confirmation email from them that it had been closed. A few months later ( XX/XX/XXXX ), I received a promotional email encouraging me to use my card. When I logged into my online account, it still shows the card is open with {$2000.00} available credit. I emailed customer service and told them again to close my account. They sent me a letter stating my account had been closed as I requested in XX/XX/XXXX. A month later after getting another promotional email, I told them to close my account. They responded that to resolved the issue I had to call them. On XX/XX/XXXX, I received another promotional email encouraging me to use my card. I logged in again and my account is still active. I emailed customer service again today ( XX/XX/XXXX ) that I wanted my account closed immediately. I should not have to call and argue with an account rep who is going to use a strong-armed sales pitch to get me to keep the card.
Consumer complaint received 2024-02-23
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. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are currently numerous inquiries listed on my credit report that I have no knowledge of. These inquiries were not authorized or initiated by me and was a result of identity theft or malpractice.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2018, XXXX inquired into my TRANSUNION and XXXX  credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.
Consumer complaint received 2018-07-15
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: EQUIFAX, INC. (NJ)

I have sent several letters to remove the dispute comments from two accounts on my Equifax credit report and they have failed to do it. The two accounts are XXXX  XXXX XXXX - XXXX and XXXX XXXX XXXX - XXXX.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (PA)

On XX/XX/2018, CBNA inquired into my XXXX and XXXX  credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

I had over a {$7000.00} credit balance on my CITIBANK Costco Visa card that I wanted refunded. Citibank told me they had to take three days approve my credit balance for a refund and another 7-10 days to send a check. I told them it was my money that had been refunded by Costco and did not require their approval for a refund. They insisted that it was required under federal reserve rules which is not true. I closed my account immediately and told them I wanted an immediate refund as I am no longer a cardmember. I want my credit refund and I want a fraud investigation into Citibank.
Consumer complaint received 2020-10-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Adjusters, LLC (TX)

The company National CREDIT Adjusters reported incorrect information on all three of my credit accounts. They restarted my date from which they open the account from XXXX XXXX which was XX/XX/XXXX and know they restarted the date to XX/XX/XXXX but that is incorrect information and the Texas law states that the statue of limitations on debt in Texas is 4 years as it states in Section16.004 of the Texas civil practice and Remedial Code. Section 392.007 of the finance Texas code. This section of the law introduced in XX/XX/XXXX states that a payment on the debt ( or any other activity ) does not restart the clock on the statue of limitations
Consumer complaint received 2020-09-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOPA EQUITIES (CA)

The car was paid off through my insurance company XXXX on XX/XX/19 in the amount of {$11000.00}. The remaining balance of {$470.00} WITH XXXX collection was paid off as well. Supporting documents have been uploaded. Please remove from my credit