davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SD)

On XX/XX/XXXX I went and purchased a used XXXX XXXX XXXX from XXXX XXXX that is located at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. The vehicle was a pre-certified XXXX model. The payments should have been {$320.00} per month with a 72 month contract agreement. 

I was told by the loan officer to get the extended warranty, so that if anything happened to the car it would be covered. This brought the payments up to {$390.00} a month. 

Since then I have moved to South Dakota, and I had to bring my car into Granite XXXX in XXXX XXXX for a few repairs. That was on XX/XX/XXXX. They looked up my Vin Number, and  asked why I was paying for an extended warranty when it was already pre-certified car. Good question I asked. I didn't know that everything was already covered with that. Being a woman I was taken for granted by the sales man, and the loan officer. I have been paying that amount since XX/XX/XXXX which comes to ( including interest charges ) : {$4700.00}. 

I am asking for a full refund, plus interest on all of those months paying for something I did not need. 

I only owe another 19 months on this loan, and calculating that including interest, another {$2100.00} should come off of the loan agreement since that amount was tied in with the contract agreement. 

By looking at that I should only owe XXXX another {$4700.00}.
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (KY)

CFS placed the same account on my XXXX  bureau twice in the amount of {$1300.00}. XX/XX/XXXX they say it is a account from XXXX. I've never lived or sought medical treatment in XXXX, KY. Also I have 3 accounts for medical bills all from XXXX , KY the 3 accounts total {$500.00}. I've reached out to them with No help. I also have a account with XXXX  XXXX XXXX that does belong to me from XXXX XXXX XXXX XXXX that was paid by my insurance, but creditor refuses to send me copy of the bill. There is one more account for {$220.00}, but it's also a medical bill. None of these medical collections belong to me I've never lived in XXXX, but my ex Wife has since XXXX. These are all fraudulent accounts, not belonging to myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX SSN I've reached out and filed disputes on all of these accounts over the past year and have NEVER received a letter, phone call or email from anyone whom represents XXXX.
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Tuten Title and Escrow, LLC (TX)

I found Tuten Title and Escrow to be unprofessional and disorganized in handling the close of sale of our house. These are a few of the issues : * did not return phone calls *delivered check to our door step, where it could have been easily stolen *check did not match closing documents *taxes not paid on time *tax forms never sent to us I made several phone calls in the days prior to the sale to find out how to close from out of town, and they were never returned. It was unclear on where to sign everything on the closing documents, and we had to make some hand written changes for witness signitures. On the day of the sale of the house, I called to get information on when we would receive the check, she said she would email or call me with that information ; she never did that. When it got to the end of the next day, with no response, I called again and left a message, again with no return call. 
After three days, I called and talked to someone other than my closing attorney and she gave me all the info on the phone. Unbelievably to say, it was delivered to my door earlier that day and sitting on my door step. A check for over {$90000.00} was sitting at my door. I was never told when or where it was going to delivered. I had to leave work and pick it up off my door step. 
Later when I opened it and was comparing the check to the documents she sent me, they didn't match. I called to find out what was going on and the attorney said " well, it matches the papers you signed ''. I told her I don't know what I signed because I had sent the closing documents to her, and what she sent me are legal documents and the check needs to match the those documents. She said there was a mistake, and I still do not understand her explanation. She stated she would send me the new documents by email. Then I asked her if she knew how the check was delivered, and she said I made arrangements on how it was delivered. I said no, I was never given that information, how am I supposed to arrange the delivery of documents your send me, and I do not know how to arrange the delivery of packages to my house. 
The property taxes were not paid on time, or even in a timely manner. So a house that was sold in XXXX, didn't get payed until way after the new year, they didn't clear until XXXX. 
They have still not sent the property tax forms for our taxes, form XXXX.
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/XXXX, I filed a fraud report in reference to XXXX XXXX XXXX, receiving funds, in the amount of {$1500.00}, for work not completed. I explained to the Bank of America ( BOA ) representative, about the delay of filing the fraud report. This company initially installed the first system of cameras at my business with no problems, and when Mr. XXXX stated I needed to upgrade and he needed to purchase more memory and new cameras. I signed for the funds because Mr. XXXX stated he needed the funds upfront, in order to purchase the new equipment. I began calling Mr. XXXX in XXXX, XXXX, with negative results. I called and texted Mr. XXXX for three ( 3 ) months, with negative results, before contacting BOA for a fraud report. In XXXX, XXXX, I received a letter stating BOA completed their research and closed the case. So I called BOA, and the representatives were so rude and XXXX, the call center was in XXXX. The representative was yelling at me because I kept asking questions about the person who actually did the investigation, then I asked to speak with a supervisor, and she transferred me to another woman, then this woman, she transferred me to a man, who stated he was a manager of the fraud call center. By now I am beyond frustrated, so the entire time I was on the phone with the call center ( 2 hours ), I was also online filing a complaint about the behavior of the call center representatives. I have faxed the pertinent information, at least three ( 3 ), and spoke with 3 different ombudsman representatives about my complaint, or the lack of investigation on this matter. My last straw was the last ombudsman phone call, and she stated that their decision was not going to change, and the letter from the new installation company did not have letterhead. I said " Mam '', after six ( 6 ) months of telephone conversation, and sending requested correspondence, this is your explanation for the denial of my fraud request. I believe BOA made no effort to assist with my case, and the unprofessionalism and incompetence of the investigator, the fraud call center, and the last ombudsman I spoke with, is very disappointing. I have been a member of the bank since XXXX, when it was named XXXX XXXX.
Consumer complaint received 2018-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

IC Systems ( XXXX XXXX XXXX ) has called my home phone number multiple times since XX/XX/2017 looking for an " XXXX XXXX XXXX XXXX '', a person who does not live at this home. Has demanded multiple times confirmation of this address, as well as previous addresses.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Thank you.
Consumer complaint received 2018-02-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

I've been working with my mortgage servicing company asking them to offer the investor a negotiated settlement. I've written a few letters to the servicer, Ditech Financial sharing my rationale but Im told that as a matter of policy that's not shared. They, Ditech, simply make an offer to the investor and, neither negotiate in good faith on my behalf nor present my " side of the story '' as it were. Alas, I dont believe they are representing my interests. 
I'd covet help from the CFPB to have the servicer take a more active and productive in role in getting my offer - with supporting documentation - to the investor. 
Additionally, I've been asking for nearly a year to get all interest payment data and total progress on paying down my principal balance and Ditech has been generally unresponsive and what they've provided has been insufficient. So, here again Ditech Financial demonstrates a slowness to respond and is generally less that competent when they do. Frustrating.
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This debt was purchased by Portfolio Recovery in which XXXX XXXX XXXX XXXX is listed as the original creditor. 

I am disputing this debt and I claim I have no responsibility for it. I have previously disputed this debit and asked for information to validate these debits.
Consumer complaint received 2022-01-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I contacted Experian on XX/XX/XXXX about the following accounts that are not mine ; XXXX ( Account number XXXX, XXXX opened XX/XX/XXXX, Original amount {$1000.00} ), XXXX XXXXXXXX XXXX USA XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$2800.00} ), XXXX  XXXX ( Account number XXXX, XXXX opened XX/XX/XXXX, Credit limit {$3000.00} )XXXX XXXX XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, Original amount {$1000.00} ), DEPT OF EDUCATIONXXXX ( Account number XXXX, Date opened XX/XX/XXXX, Original amount {$6000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$730.00} ). Experian have not responded to my request to investigate as they are required by the FCRA. Attach is a copy of the disputes I send them.
Consumer complaint received 2021-09-15
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: ALLY FINANCIAL INC. (FL)

Ally Financial, They submitted my credit without my authorization, on XXXX/XXXX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
Consumer complaint received 2019-08-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TN)

XXXX XXXX alerted me that i had a collection..i never got a bill or notification of this debt..i have signed nothing with this company.. I owe this company nothing..phoenix financial services..opened XX/XX/2019..
Consumer complaint received 2018-02-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mobiloans, LLC (FL)

I was contacted by XXXX XXXX XXXX, XXXX attempting to collect a payday loan debt on behalf of Mobiloans. I was told the amount I owed was {$8000.00} during the call the collector after only me saying yes to my name and date of birth which he gave out mentioned my employer, names of family members and complete social security number. 

I do not believe this debt is mine. I do not believe the loan was from a legally licensed lender in the State of  Oklahoma and do not understand how such a collector has and is willing to give out my personal information. I have already disputed this information with XXXX XXXX XXXX, XXXX previously. 

I have requested the lender cease and desist all phone contact with myself, any assumed references and my employer. I have requested validation of the debt, calculation of the amounted owed which was stated as {$8000.00} and the license of the collector original lender validation of the collectors ownership of this presumed debt. I was also threatened with a lawsuit and when inquiring about the jurisdiction was not provided the information.
Consumer complaint received 2020-01-28
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

XX/XX/XXXX the student loan was taken out for XXXX   school with my now deceased uncle was the main borrower/ co-signer. The loan was predatory with in-fluctuation in interest rate. President Obama and congress set up actions against the predatory student loans companies. I was not able to finish school and therefore it became into repayment. I asked for deferment or assistance. XXXXRBS Citizen Bank handled the the loan initially, they were unforgiving and I was asked to pay over {$500.00} a month. I was not able to afford and loan went into default and then charge-off status. I recently received a letter on XX/XX/XXXX in regards to attempt to collect over {$40000.00} with interest capitalization. Please assist with getting Citizens Bank to stop the attempt collect on student loan that I am not able to pay and my late uncle is no longer here to help. I received notification that Citizens Bank has filed to sue in my State. This loan is over 13 yrs old. I had not finished my XXXX degree. This is ridiculous and unfair. I have not received any notifications or letters from Citizens.
Consumer complaint received 2020-05-20
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 AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE EQUIFAX BREACH. PLEASE ASSIST ME IN CLEARING MY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-01
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have been experiencing an ongoing issue that has yet to be solved. I have submitted in numerous of disputes asking for the following companies to validate the debt that they are claiming I owe. I have requested numerous of times to send the orginial contract with my wet signature claiming and showing documentation confirming that I owe this debt. I have not received ANYTHING from any of the following companies, yet they keep updating my credit reports. What are you updating it with if you haven't even sent me any documentation? I am becoming beyond frustrated at this point. Futhermore, I have been violated numerous of times under the FDCPA, and FCRA. Failure to provide me the orginial documents that I have requested within 30 days results in an automatic deletion. This is the last step I am taking before filing for ligitation.
Consumer complaint received 2018-02-14
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. Collections West, Inc. (AZ)

US West Collections did a hard inquiry on my credit without consent. Illegal ... .. 
Identity fraud. This agency refuses to communicate in regards to my complaint. 


US West Collections XXXX. XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2019-08-28
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. (GA)

Checked my credit report with XXXX XXXX on XX/XX/2019. When I called Transunion, XXXX answered the phone, however I could not understand him and he could not understand me. He was talking over me as I was asking him questions. When I was tired of trying I asked to be transferred to someone I could understand. He stated that I would have to call back because he could not transfer me they were to busy. At that point I hung up and called back and made a complaint with another transunion member. I was shocked that a credit reporting agency had someone who could not speak English and who was so rude. All I can say is God help America. Is this what our country has come to. I believe everyone should have a job if it is what they want, however rudeness is not accepted, especially if you do not speak English.
Consumer complaint received 2019-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (FL)

Waypoint Resource Group has reported a collections debt in the amount of {$610.00} in my name to all credit bureaus. I never received any phone calls or any correspondence in the mail from them regarding this matter. The company for which they are trying to collect is a cable company with which I currently have an account in good standing. When I try calling Waypoint to talk to them about this matter, I am unable to get through to speak with a human being. They also just recently in XXXX of 2018 re-reported this debt over a year after they had first reported it ( I have previously reported this as inaccurate to the credit bureaus, but it still has not been removed ), so after I reported that it was showing on my credit twice, they removed the older account, and now it is showing that it is only a 3 month old account. This is not an accurate account and needs to be removed from my credit report.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

You are reporting an inaccurate date of accounts last activity, inaccurate dates of last reporting and still reporting after the accounts were placed under collection. Please delete the accounts for inaccuracy. ACCT NAME : XXXX XXXX ACCT NUMBER : XXXX ACCT NAME : XXXX FCU ACCT NUMBER : XXXX ACCT NAME : XXXX ACCT NUMBER : XXXX PLEASE stop reporting for FCRA non-compliance of inaccurate data furnished on my credit report. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. It is my understanding that you will recheck this item with the creditor who has posted this. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681 i ( a ), you must complete the investigation within 30 days of receipt of this letter. Please send a copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of correction to anyone who receives my credit report in the past six months.
Consumer complaint received 2019-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

Im trying to responsibly pay off my student loans more quickly, but Heartland XXXX   charges convenience fees for additional one-time ACH payments. Ive had student loans with other services and this is the only company Ive experienced which charges additional monies for one-time ACH payments. Just because something is legal doesnt make it right I intend to escalate this issue with University XXXX and potentially petition for the University of XXXX and other universities broadly not to use the services of Heartland XXXX in the future.