davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I traded my car in on XX/XX/2020 for a new car but my credit report is still reflecting a balance on my credit report.I reached out to Nissan multiple times and they keep hanging the phone on me.I show multiple accounts 0n my credit report which is hurting my credit score.I am asking for them to update my report paid in full.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Thank you for taking the time out of your day to read this message. My name is XXXX XXXX XXXX and I consolidated all of my student loans in XXXX of XXXX with XXXX. However, I pulled my credit report in XXXX of XXXX and discovered that the XXXX Department of Education is inaccurately reporting that I have a XXXX-day past due payment which was reported to Equifax in XXXX of XXXX. This should not have been reported on my credit. I disputed this inaccuracy in XXXX, XXXX and XXXX of XXXX and have seen no change. Since my last dispute, I now notice that Equifax is reporting that I have an additional XXXX-day late payment due as of XX/XX/XXXX. The sad part about all of this is that the loan was closed in XXXX of XXXX which is accurate and listed on the credit report. How is it that the loan was closed in XXXX of XXXX, but I was past due by XXXX-days in XXXX of XXXX and XXXX of XXXX? If this loan was closed in XXXX of XXXX, there should be no late reportings after that date. Prior to my disputes, I called the US Department of Education and was able to speak with several people ; however, they all refused to help me, and I was hung up on several times. These inaccurate reportings have decreased my credit by over XXXX points which is affecting my life in a negative way. It seems as if these inaccurate reportings may be due to my name, which is indicative of my race. This potential profiling seems to be halting corrections on my account by all parties involved : US Department of Education and Equifax. I tried disputing the inaccurate reportings several times and it just keeps getting worst for me. More and more inaccurate reportings keep appearing on credit. I dont know what else to do. The US Department of Education and Equifax refuses to do anything to help me. I have no hope in either company and can only hope that these issues could be rectified as soon as possible by the Consumer Financial Protection Bureau. Please see attachments for evidence of my claims. 

Respectfully, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2017-05-26
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. (UT)

I had 3 XXXX XXXX accounts that were included in my 2013 Bankruptcy that was discharged years ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and XXXX XXXX claims it is valid. How is updating monthly on a bankrupt account valid? This is a clear violation and needs to be fixed!
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On Wednesday XXXX XXXX around approximately @ XXXX XXXX  i receive a call saying they was Amazon and my account got hacked which i have to do a similar transaction in order to get an reimbursement thru via XXXX wire transfer and gifts card to security better security service. They said i wont get the reimbursing by the end of the day which it did not happen. I called my bank and the gift cards to let them know about these fraud charges.
Consumer complaint received 2018-07-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

XX/XX/XXXX - Started discussing with a XXXX XXXX from EverBank XX/XX/XXXX - Application submitted / Credit check done XX/XX/XXXX - I think Rate locked. Have few days to finish the application XX/XX/XXXX - XXXX  concern how a {$5000.00} float down deposit was shown in disclosures XX/XX/XXXX - Was promised the deposit is refundable if mortgage doesn't proceed XX/XX/XXXX - Paid a {$5000.00} via credit card for a float down option XX/XX/XXXX - Spoke to XXXX XXXX and expressed the mortgage is facing inspection issues. It wont ' close XX/XX/XXXX - She said she is working on it. She said she will look into the refunds Between XXXX to XXXX - couple follow-ups stating the bank is working on the refunds XX/XX/XXXX - Jayne/bank asked for some " seller can not convey title '' letter. My attorney can not provide that letter as mortgage fell through due to inspection issues XX/XX/XXXX - Followed up again for refunds to XXXX. No update but said i will check XX/XX/XXXX - Followed up again if they need more details or asked for supervisor. 
XX/XX/XXXX - or so - Spoke to XXXX 's XXXX Between XXXX and XXXX - multiple follow-ups ... 
XX/XX/XXXX - XXXX said he can not refund the {$5000.00} deposit. 

I have documentation from attorney that there are multiple inspection issues which is causing the contract to fail. I feel the Representative of the bank did not do much do address and in fact provided incorrect information when trying to sell the float rate lock product. I would like to take this to a small claims court and proceed filling against the agent and the bank for not helping through the refund of the deposit.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I am not liable for this debt with credit acceptance, I do not have a contract with credit acceptance corporation. they did not provide with the contract i requested over the phone. I paid it off with the inquire of covid 19 relief they had.
Consumer complaint received 2022-04-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (GA)

Over the past year, I've written to both Exeter Finance and XXXX collections, asking them to prove that they complied with Georgia state law. Neither has responded with any documentation. All XXXX could send was a statement. Not any of the 21 items I should've been provided according to state law. Therefore. Continuing to report the account by both companies is wrong! Continuing to attempt to collect the debt seems to be an FDCPA violation on XXXX XXXX part.
Consumer complaint received 2021-02-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-07-13
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (VA)

XXXX from XXXX calls me back to back if i ignore the phone calls. Also he calls representing XXXX bank from a different company with whom i do not even have a relationship and insists on me " verifying '' my SSN with him.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

I was hit was a hard inquiry from XXXX from XX/XX/2018. I did not sign or authorize them to do this. Under the fair credit act I have up to 30 days which I disputed this already twice and no results. I am hoping here you guys can look into the situation and remove this false inquiry from my XXXX, Experian and any other credit reports this might be on. As the information is false. Thank you
Consumer complaint received 2020-08-19
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$520.00} ORIGINAL CREDITOR XXXX {$180.00} XXXX  XXXX {$6600.00} XXXX XXXX {$980.00} XXXX  XXXX {$1500.00}
Consumer complaint received 2020-06-25
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off m {$8800.00}
Consumer complaint received 2024-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SOUTHSTATE CORPORATION (SC)

Even though they received nearly {$2000.00} in the 3 month period from XX/XX/XXXX until XX/XX/XXXX they still had their attorneys run up legal bills to turn an interest payment of only {$700.00} into a new debt of almost {$5000.00} at the beginning of XXXX.
Consumer complaint received 2021-02-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This company reported a consolidation loan taken out by me 60 days after I paid my student loans off in full. The report was filed in XX/XX/2020 to all three credit reports and I never agreed to the loan. I paid all my student loans off with a cashier check XX/XX/2020. When I contacted the company to have it removed no actions was taken. These are fraudulent accounts. The company told me to prove to them I paid my student loans off. I don't have to prove anything to this company. They don't have a record of an outstanding balance or a signed agreement. I've sent several complaints to the credit reports agencies certified with proof. As of today these accounts are still showing up on my reports. I want them removed immediately. 
Acct # XXXX credit file # XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (ID)

XX/XX/2020 XXXX XXXX  Midland Credit Management called me at work. I do not believe I had listed my employers number on any applications in the last 10 years so I was very surprised to have a call of this nature at work. I have in fact marked any and all boxes stating my work can not be called. I told them they can not call me at work, ever and in our state it is in fact against the law. he argued with me and told me that is untrue, and harrassed me to stay on the line with him. A coworker witnessed my end and went into managements office to report me. 
It is against company policy to receive phone calls of this nature and in my job position debt collection calls jeopardize my employment. Harassment from debt collectors has a zero tolerance. The company I work for will not only remove me from my position but will also initiate a lawsuit against the harassing agency. 
NEVER have I granted any agency permission to call my work.
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

this is a XXXX XXXX card account, XXXX XXXX  is handling it for lvmv funding their tactics are aggressive, they email, and threaten that it is a strong possibility that a attorney will be involved if you do not respond to them asap. I have uploaded proof of their constant emails, I never gave them my email, as you can see the abundance of emails they send, with the threat of a strong possibility of a a attorney in the future
Consumer complaint received 2021-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I am XXXX XXXX XXXX, a XXXX American. " On or about XX/XX/XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX XXXX  sold a pool of charge-off accounts ( the Acounts ) by purchase and Sale Agreement and a Bill of Sale to Midland Funding LLC. '' I, XXXX XXXX XXXX does not have a contract with Midland funding and I signed a court document T.D.C. meaning threat duress and Coercion and A.R.R. on XX/XX/XXXX. XXXX  and XXXX  the attorney 's for Midland Funding got a Final Judgement for me XXXX XXXX XXXX to pay the debt in which there is no contract that I XXXX XXXX XXXX does not have. The final Judgement was on XX/XX/XXXX in XXXX XXXX County so called " Court '' of the XXXX XXXX XXXX in and For XXXX County. A Delegation of Authority Order was never shown forth by XXXX XXXX XXXX. I am moving this case to XXXX Court. This is the 2nd time I had to file a complaint against Midland Funding LLC. The number of the first complaint I filed with the XXXX XXXX XXXX XXXX was XXXX.
Consumer complaint received 2021-02-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This company reported a consolidation loan taken out by me 60 days after I paid my student loans off in full. The report was filed in XX/XX/2020 to all three credit reports and I never agreed to the loan. I paid all my student loans off with a cashier check XX/XX/2020. When I contacted the company to have it removed no actions was taken. These are fraudulent accounts. The company told me to prove to them I paid my student loans off. I don't have to prove anything to this company. They don't have a record of an outstanding balance or a signed agreement. I've sent several complaints to the credit reports agencies certified with proof. As of today these accounts are still showing up on my reports. I want them removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SIMM Associates, Inc. (SC)

Simm Associates phoned my husband 's cell phone and my residence attempting to collect a debt in my deceased father 's name, threatening to sue me and file a negative credit report on my credit record, if I did n't pay the debt. The loan originator has n't contacted this company for debt collection. This company contacts consumers threatening a law suit if the debt is n't paid. The company does n't forward debt payments to the loan originating company. They keep all money/payments they receive for a debt. This company has numerous complaints filed against them for fraud and scams. This is a third party debt collection company, that does n't represent the loan originating company. This company is a fraud and scam.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Freedom Mortgage Company (CO)

In regular contact with company at least 4 times by phone. They have extensive notes on their computer of issue with reporting delinquency of XX/XX/XXXXlate payment of 30 Days. Was told last week that they would get issue resolved when customer service rep talked to reporting department was told they they no longer honor SCRA protections as of XX/XX/2019. It was the first time I have heard of the change in the previous three times speaking with Freedom Mortgage Company in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their supervisor was also unaware of change also. See notes under mortgage account of full story. Just notified again that company also reported me being 30 days late in XX/XX/XXXXdue to billing statement they sent to my house on XX/XX/XXXX. That states one amount to pay when really our rate changes to another amount. My wife paid statement amount on billing statement and was told was late only when we physically called company. This company has caused me to look elsewhere for a mortgage company. I have statement to verify XX/XX/XXXXlate reporting. See notes for XX/XX/XXXXreporting please under mortgage notes with company.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/2018 I spoke with XXXX at XXXX regarding account ending XXXX where I paid {$63.00} to clear up any outstanding balances or fees with Suntrust Bank. I was advised that I would be removed from XXXX XXXX and XXXX XXXX XXXX so that I could either reopen my Suntrust account and/or start a new account with other banks. 
payment Confirmation # XXXX XXXX was also suppose to email me a copy of the receipt after payment but never did so.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

I transfered {$4100.00} from another pepaid card to my Bluebird account on a Sunday afternoon XX/XX/2020. I woke up today XX/XX/2020 to 2 e-mails. The first 1 said my deposit posted to my Bluebird account but 30 minutes later I got another e-mail saying that my account was suspended. I called customer service and all they would tell me is that I needed to send a letter to a P.O. Box in  Georgia and ask for my money. That is all the money I have on that card and I don't have time to wait around for letters to go thru. I am currently looking for a place to live in a new city and I am staying in a hotel. This hotel has that card on file. Customer service wouldn't even tell me why my account was suspended. I really need my money. I was supposed to give this card information to my job today for direct deposit but now I can't..
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I have repeatedly been billed for merchandise that I have never ordered or received. 
I have spoken with the merchant 's customer support department on several occasions and they tell me that their computer system shows that someone submitted an order using my credit card number and an address that I haven't lived at in six ( 6 ) years. They claim that they do not store records of orders so they can't provide me with any proof that I placed such an order. 

On XX/XX/XXXX I contacted my bank regarding these fraudulent charges. They reversed a few of them from XXXX but continue to allow this merchant to charge my credit card on a monthly basis even though I informed them that I did not authorize these purchases. 

On XX/XX/XXXX I again contacted my credit card company and submitted a dispute to these charges. On XX/XX/XXXX they wrote me telling me that the merchant claims that I requested this merchandise. They also tell me that they won't reverse the charges. They had the unmitigated gall to tell me to read the terms and conditions of a merchant that is processing a fraudulent order. They refuse to block further charges or reverse the charges for merchandise I am not receiving and did not order. The idea that the merchant doesn't maintain or store authorizations records because they are an online merchant is nonsense and irreverent. I do not live at the address where this merchandise is supposedly being delivered. I did not order the merchandise. I did not authorize any person to order this merchandise.
Consumer complaint received 2021-02-26
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. (NY)

I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is not even showing in dispute nor is removed from my report. The account always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let this fraud account affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.