davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

I have had numerous instances of 3 to 5 calls a day the only info that comes up on my phone is their phone number ( XXXX ) XXXX. There is no corporate identification and they NEVER leave a message..NEVER ... But Nissan is quick to report me to the credit agencies ... I believe that they want me to be late so that they can collect the {$5.00} late fee ... I was called today ( XXXX ) and the service agent that called did not see that I had paid the late balance and they tried to get me to pay again. 
These people are inefficient, immoral and possibly illegal in their business practices. 
They must change how they collect past due amounts. And, I am set up for electronic statements and here again, I NEVER get a monthly statement from this company. 
For my benefit and for the benefit of all of the people who have been hurt by the eventual report to the credit agencies, please make them change.
Consumer complaint received 2020-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (GA)

I have sent numerous letters to this company to verify debt and they still have not verified anything. Have also called and asked them to verify the debt still no response and it keeps showing on my credit report as negative but no proof. I have never had this account and still can't get the company to respond to anything. No proof of anything.
Consumer complaint received 2021-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After multiple attempts with all 3 credit bureaus, I attempted to dispute the accuracy and validity of XXXX- XXXX  XXXX  on my report. After multiple attempts, nothing has been changed nor deleted. As this point in time, XXXX  has violated my rights as a consumer under FCRA section 611 ( a ) ( 5 ) as they have not responded to my dispute nor given me an update. i am demanding this account be deleted from my credit report immediately or i will be pursuing litigation in the amount of nothing less than {$1000.00} as tis has negatively impacted my credit score as well as my ability to obtain credit. All receipts and dates of mailed letters and confirmation has been attached below as supporting documentation.
Consumer complaint received 2021-04-08
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2021 I reached out to all three credit companies asking them to verify 2 accounts that I had listed on my credit report and they have yet to get back to me and it's been over 30 days. I sent my corresponded my mail and gave them more then another time to receive my letter and respond back.
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (GA)

My mother purchased a vehicle in XXXX and I was the co-signer. My mother is deceased in XXXX and took up payments. 

Ally Financial is reporting incorrect dates of the account Ally reported the account opened XXXX. 
The account opened in XXXX. 

The account is in my mother 's name and needs to be removed.
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (NJ)

Apex Asset management LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA Attempting to collect a medical debt from me even after they receive a letter from a Hospital asking to stop collection and even after I finally talk to supervisor back in XX/XX/ and she confirm that they receive such letter from a hospital??? After that I continue to receive a letters and calls. As per my last conversation with XXXX XXXX ( agency rep ) in XX/XX/ she treating me and give me a last chance to pay using unprofessional language. 
This must be stop! I request to speak with her supervisor at this time and I was refuse my right to address my concerns to her superior. I appreciate you help in this matter. Thank you
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (MI)

My name is XXXX XXXX XXXX michigan changed my child support payments from XXXX XXXX  XXXX  to way2go card yet I was supposed to get a new card by the end of XX/XX/XXXX but never did & had to pay for another which i received on XX/XX/XXXX & by XX/XX/XXXX I already had a fraudulent charge of {$180.00} from some company that has a cust serv # of XXXX that just disconnects. I've wasted over 34hrs on hold with WAY2GO which consists of being hung up on even after I faxed all required documentation to them my acct & card are not accessible to me for my daughter 's needs even almost a full month. They are worse than reliacard & I'd love to change my direct deposit to chime or XXXX since they follow through resolving issues plus they actually answer their email, chats & phones. I will NEVER use this company again!!! The WORST I've ever encountered. Get a prepaid before this POS.
Consumer complaint received 2021-04-08
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: SYNCHRONY FINANCIAL (IA)

On XX/XX/XXXX I received a notice on my XXXX XXXX that a credit report inquiry was completed on me by Synchrony Bank. I contacted Synchrony Bank XX/XX/XXXX requesting that this hard inquiry be removed as I did not apply for any type of credit through them. They advised it was for a retail credit card for the XXXX XXXX and marked it as fraud on their end and will send me the appropriate paperwork to complete to have it removed from my credit report. 30 days go by and I dont receive the paperwork so I contact them again and was advised they had the incorrect address for me. In XXXX XXXX they said they would send notification to the credit bureau to have it removed and nothing further is needed from me. They said it would take up to 30 days. XX/XX/XXXX they said no form was submitted to XXXX XXXX to have the inquiry removed, so they confirmed that it was done that day XX/XX/XXXX, however, no confirmation number could be provided. I submitted a complaint with the XXXX  in which Synchrony Bank advised it would take up to 60 days for XXXX XXXX to correct. It has now been over 60 days an the inquiry is still reflecting on my credit report. Over the course of 5-6 months, I've been lied to by this company and they have done nothing to make up for the fact that they have failed. I don't trust that they have taken care of this fraudulent credit inquiry as it still shows on my credit report. Their lack of urgency to address and correct this issue is negatively impacting me financially as it inhibits my ability to secure credit.
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Controlled Credit Corporation (OH)

On XX/XX/2021 I received mail from a debt collection company named Controlled Credit Corporation claiming I owe {$1100.00} to XXXX XXXX claiming this is the second letter they have sent. As of current I owe {$0.00} to XXXX and my account with the hospital is in good standing and has been in good standing with {$0.00} balance for two years. I have never received any correspondence from Controlled Credit Corporation on till today XX/XX/2021. I have called XXXX XXXX to verify if I have any outstanding debt and they said I did not and havent any idea who this debt collection company is. I do not owe any money to XXXX XXXX and this assumption I owe this money is fraudulent. This company is trying to collect money from me that I do not owe.
Consumer complaint received 2017-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

I have repeatedly contacted the company over the last 6 weeks to resolve this debt. However, the debt is related to a judgement that was put on a property that I used to own with my ex-wife and the debt was originally with XXXX. XXXX put the judgement on the real property then sold the debt to XXXX XXXX who then sold the debt to XXXX XXXX XXXX. When I have contacted XXXX XXXX XXXX they will not send a payoff letter referencing the judgment so that my ex-wife can sell the home and satisfy the debt. 

On XXXX/XXXX/2017 XXXX XXXX XXXX refused to send a payoff letter referencing the judgment but sent a payoff letter without information needed in the amount of {$4600.00}. I can not pay the amount until the house is sold and my ex-wife can not sell the house until I have the payoff letter and the house is currently under contract with a buyer. XXXX XXXX says they have no record of the judgment and even after I have faxed them all paperwork that I have attached to this complaint they still tell me 4 weeks later they have no record of the judgment. XXXX XXXX does not want to take the responsibility of satisfying a judgement after they have bought the debt.
Consumer complaint received 2023-03-20
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. (OH)

XXXX : continues to show XXXX accounts as " POTENTIALLY NEGATIVE '' when they are reflected as closed and/or paid in full! There is also an extra social security number that shows up on this report. I have never had more than one! 

EQUIFAX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXXXXXX XXXX XXXXXXXX ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX XXXXXXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an Equifax Mortgage Service never hear of them either. 

XXXX : I have had to file many disputes with the credit agencies down through the years for listing alias names ( XXXX XXXX ), addresses to places where I have never lived ( XXXX XXXX and XXXX and a XXXX  ). 

I'm afraid that the credit report of someone else has been mixed up with mine and I am just now seeing it for what it is. I have contacted many of these creditors ( XXXX XXXX XXXXXXXX & XXXX ) they have nothing in their records for me... ..Things like this go against the FAIR CREDIT REPORTING ACT and is illegal. Please help?
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX - XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP (NY)

I had a balance of {$15000.00} with XXXXXXXX XXXX XXXX This debt was transferred over to Capital Management Services in XX/XX/XXXX. I made an agreement with them to settle the total balance for less. The settlement amount was for {$4600.00} in XXXX installments of {$1500.00} as follows : due dates : XX/XX/XXXX {$1500.00}, XX/XX/XXXX {$1500.00}, XX/XX/XXXX $ XXXX these were to be AUTOMATICALLY deducted from the bank info I provided them. 
See attached agreement letter and first payment deducted from my bank. 
They deducted the first installment. Mid agreement they sent this debt back to XXXXXXXX XXXX XXXX. For some unknown reason they refused to deduct the other 2 payments. I contacted Capital and they stated the account was no longer with them and I have to contact XXXX, when I contacted XXXX they gave me the runaround and told me the account was with Capital Management. I had no other choice but to mail XXXX the 2 payments, with a letter of explanation ( see attached ) that they did not deduct, in the hopes that they will accept it. They ended up taking those 2 payments which should've then satisfied the balance as per agreement with Capital Management, yet they still claimed I had an open balance minus the difference of the 3 payments made.
Consumer complaint received 2018-02-19
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: DISCOVER BANK (CA)

Last fall our card was charged with a very large transaction ( almost {$3000.00} ). I was only notified of a suspicious charge by email. Unfortunately this email doesnt go to my phone ( though the cc company also has my cell number and did not send a text ). I didnt get the email until the next morning. When I called the company about it, they claimed a call came in minutes after sending out the email, from a person claiming to be me that said, let the transaction go through ( Problem # 1 ) Now when I called, I had to give all kinds of identifying information that no one but myself or my wife would know, so how could that be?? ( Problem # 2 ) They closed the card, said they would send out a new one. I checked back numerous times to make sure the fraud charge was removed on my online account. One of those time, it occurred to me to change my contact email so I could be reached more efficiently since they didnt text me. Lo and behold, in the address section there was an unrecognizable address! Someone, these same perpetrators, somehow, had logged in!!! And changed my address! In addition, I realized the service person I had spoken with about the initial fraud NEVER verified my address before sending a new card out! Ive had cards sent before, sometimes for reasons I dont understand, my credit card companies say its been compromised, but dont expand and change out card, but always verify our address ... this person did not. Well now at least we had an address for the criminals!! When we called the fraud department we asked if they were going to go after them, report them, etc ... No, thats not our job What?? 
( Problem # 3 ) We decided once we get the card paid off, we are closing this account, because they do not take their security strongly. Unfortunately, in XXXX when it was paid, we had a large credit to the account. A purchase from the fall of a curriculum subscription that wasnt supposed to start until XXXX needed to be credited back. I told them the account had changed ( the curriculum company ) and they said by law, it still has to credit to the same account for 6 Months. Well, it didnt credit to our account. I finally contacted Discover, they looked it up and said, oh, yeah ... a credit came in on XX/XX/XXXX for {$190.00} to your old account. ( It was XXXX, by the way! ) You have to request that that be transferred over to your new account ( it all has the same balance by the way ). We can do that. It will take 3-5 days. It is now XX/XX/XXXX. The credit has still not come through. I contacted them again. They are checking on it. My account is paid off. This is money I have paid to Discover and XXXX XXXX has credited back to me and I cant get my own money.
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CT)

There is a XXXX XXXX collection that just appeared on my credit file that does not belong to me. A year or so a ago another collection company reported a XXXX XXXX collection which I fought and now here we go again. How do I stop this from happening?
Consumer complaint received 2018-02-02
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. (TX)

I requested a validation letter showing my social security number, my texas identification number and my signature and company failed to do so, they send me a letter with only a name saying XXXX XXXX and a signature thats not mines and nothing else i will like this removed out my credit report immediately due to incorrect verification, if failed to do so i will be filing a lawsuit for having incorrect information on my credit report and not verifying correctly wit all the correct details you are damaging my credit worthy ...
Consumer complaint received 2021-04-08
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. (CA)

I previously disputed a tradeline held by the collection agency XXXX for the creditor XXXX/XXXX in the amount of {$300.00} on my Experian report on XX/XX/XXXX. On or around XX/XX/XXXX the results were completed and the tradeline was properly removed as inaccurate credit reporting. On XX/XX/XXXX, the XXXX/XXXX  account was transferred to XXXX XXXX XXXX who reported the same XXXX/XXXX  collection account for {$300.00} on my Experian report, which I disputed. However, Experian refused to remove the same tradeline after the dispute was completed on XX/XX/XXXX. Pursuant to XXXX U.S.C. XXXX of the FCRA, Experian is required to immediately remove the tradeline or face civil liability for willful noncompliance.
Consumer complaint received 2021-04-08
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. (TN)

I mailed a letter requesting an investigation about questionable accounts on my credit report. I received investigation results saying that the account was accurate so I decided to follow up with the creditor. The creditor sent me a letter saying that they could not locate the account. I then mailed your company back and forwarded this information to you asking for a deletion because they couldn't have verified it if the creditor can't locate the account. However, it has been almost 4 months and this account still remains on my credit report.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (TN)

I am a victim of identity theft since XX/XX/2019 My first email was hacked and all online banking and business home network taken over. All of my personal and business information stolen and used with out my authorization. I have had to shut down every bank account credit card account due to fraud on every account. I have yet to get my money back and yet Wellsfargo bank is still trying to collect moneys from the fraud I never made. It is hurting my credit and its not fair. I have made police reports, FTC reports & cyber crime report and mailed documents to wellsfargo. I have tried disputing off my credit report and yet its still there. I dont know what else to do?
Consumer complaint received 2021-04-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TN)

I recently sent a letter to Ad Astra making them aware of affidavit filed through XXXX on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (DE)

On XXXX opened a XXXX XXXX account serviced by Citibank which offered a {$50.00} promotional credit. I was immediately approved and used the account information provided to purchase a lawnmower and accessories totaling {$570.00}. I have called Citibank twice asking why the promotional credit hasnt been applied and have just received my first statement showing full purchase amount of {$570.00}. 

I was advised twice that the promotional credit could take up to two billing cycles. So my options are to pay balance in full and then have a credit balance of {$50.00} if they actually apply the provisional credit eventually, or pay balance less {$50.00} and incur interest. This seems deceitful. 

Im sure Im not the only customer this is happening to.