davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Transfered Leased car to other individual. Said individual always paid on time/closed in good standing, but NissanXXXX XXXX refuses to take off derogatory mark on my XXXX  report ( does not come up negatively on any credit bureau other than XXXX  ).
Consumer complaint received 2021-12-09
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. (PA)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Validation of Debt and HIPPA Authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until debt has been validated by me Additionally, reporting of this debt to the prior to allowing me to validate it is a violation of the Fair Credit Reporting Act. I have already sent 5 validation letters via mail. I have not received a response or update in regards to this matter. 
Account in dispute : XXXX XXXX XXXX
Consumer complaint received 2020-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (PA)

Previously have filed 2 complaints as Ally financial first held the payoff and now has no idea with what they did with the title for the vehicle that has been paid off. Complaint filed on XX/XX/20. Ally has done nothing but now calls and tortures us since we filed a complaint. We are getting called after hours XXXX XXXX  by XXXX  who does not have a last name just to inform us that he has no information and that the person looking at our file is out of the office. He was just calling so that he can document that he called. When asked again why he is then calling us he yelled, talked over us and we were advised that a supervisor was not available as it is after hours we had to continue to ask for the information and XXXX  hung up on us. We called back and again asked for a supervisor 's info we were told it is XXXX and then he tried to give us a general automated #. 

XXXX 's direct phone # is XXXX He doesn't actually have the ability to look at or resolve anything though he also said he reviewed the information so I am not sure which is true. If you ask anything he laughs at you and is condescending. He will also hang up on you. 

His supervisor XXXX is XXXX. Not available but we can leave a message.
Consumer complaint received 2018-03-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA   XXXX XX/XX/XXXX Fraud Department 800 Loan Department I am writing to dispute the following information that your company provided to credit bureaus.

This item credit inquiries on credit reports is fraudulent, on XX/XX/XXXX because my identity was stolen and i did not authorize my credit to be ran. I am requesting that Nissan have the credit inquiries ( s )  removed from all of my credit reports. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report
Consumer complaint received 2021-06-02
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: Bread Financial Holdings, Inc. (NY)

the following accounts was never authorized to report on my credit, and is hurting me : Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

Hello CRA ; I just refreshed my credit report and noticed that other credit reporting agency went ahead and remove this public record bankruptcy from my credit report. but, unfortunately, your unlawful conduct has caused me a lot of XXXX and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! 

Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? 

For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. 

MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 
This public record contains multiple inaccuracies The amount is incorrect This public record was dismissed or filed in error This item never went to judgment The bankruptcy chapter, status and/or dates are incorrect The date ( s ) is/are incorrect This public record is paid, satisfied or released Best Regards ;
Consumer complaint received 2019-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On my credit report I noticed a collection. All my accounts have been paid on time. I dont know what this is about. I noted that I submitted a complained about my student loan remark Im late on the student loan but this loan is has been on forbearance it was approved by the XXXX. I noticed that my score from one of the reporting agency has lowered. I feel they are using scare tactics because they were caught making false allegations on my report.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANKMOBILE TECHNOLOGIES, INC (FL)

On XX/XX/XXXX, right before XXXX day weekend, I received my social security check. While paying my normal bills I noticed a couple of charges I did not make. I phoned customer service about it and ask about these charges. As I soon as a said the word fraudulent the customer service agent shut my account down with out my knowledge. At that point I went ballistic. Then transferred to a supervisor. The XXXX thinks A virtual credit/debit card is o.k. Well its XXXX day weekend and I have no cash. No laundry money, running out of meds and no cash. After contacting them again they said contact the companies and use the virtual card. I did this and called the company that made the withdraw. they were very accommodating and would return the funds plus some I missed. They tried the original card and the virtual card but nothing. I called the great and glorious mobile vibe. I called the companies back again and they responded they had tried a few times and that they could not return the funds. Again ; I called customer service which started quoting policy and tried to spin it back on me try to make my fault because some XXXX arbitrarily canceled my card. If I had been given a half hour I would have been able to draw cash out. I've repeated and repeated this situation at to " customer service '' at least ten times in the past five days from the XXXX to The Present. to this day : no card, no restitution, and it looks like I'm out $ XXXX is definitely public shaming time for you and colleges. Oh, by the way, I cant believe you charged me XXXX dollars.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (VA)

When I applied " U.S. Bank Altitude Reserve Visa Infinite Card '', there was promotion : spend $ XXXX, get XXXX bonus points. But after I meet the requirement, I was told I will not have XXXX bonus since I had this card before. I did have this card before ( several years ago- I guess ), but when I applied the new one, it didn't say ( in the small letters ) I will not get bonus if I had the same card before. So I should have the XXXX bonus Thanks
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (FL)

On XX/XX/2019, my mother passed away. After probate was over and they put part of her house in my name, I got mail claiming I owed money to this company or that company. My siblings put mom 's house up for sale and we got a buyer. Just before closing they informed me I owed over 22 thousand dollars for two judgements. The first judgement was for a little over 5 thousand and the second one is for a little over 3 grand. but these two debt collectors claim now I owe over 13 thousand on the first one and over 8 thousand on the second one. This is impossible and quite outrageous and defiantly fraudulent. I will try to upload the original judgements.I tried to contact the agencies the one for over 13 thousand would not answer the phone and the second one I talked to but they refused to budge on the amount. This is so not right and completely unconstitutional. 
Thank you for your help in this matter, XXXX XXXX Also, XXXX XXXX stated that they served me but I was not served, they described someone about XXXX XXXX XXXX with brown hair. That's funny since I live alone and I am over XXXX with XXXX XXXX.
Consumer complaint received 2018-12-05
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: CARRINGTON MORTGAGE SERVICES, LLC (MA)

XXXX  XXXX XXXX is reporting delinquent status this mortage was modified and all payments were current for the 4 months XXXX  XXXX XXXX owned this account it was then bought out current by carrington mortage XXXX XXXX XXXX continues report erroneous information and we have joined a class action one of many XXXX has going for this reason XXXX  does nothing but scan this and report this as update we filed 609 1 a 1 form with them of which the disreagsurded
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NC)

Hi, this complaint is an extension to my previous complaint. I asked my mortgage company ( caliber ) to do me a loan modification more than 10 times and they promised to do it and so far ( about 5 months now ) I did not even received the loan modification application yet. 
My monthly income have been reduced because of covid and I need a lower monthly payment so I can resume payment.
Consumer complaint received 2021-06-02
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. (FL)

I am a recent college graduate. Upon checking my credit report, I found several inquiries, wrong address and a collection account that does NOT belong to me. I am trying to seek employment but these erroneous items are preventing me from employment. 

FOR THE RECORD : This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX Fed Credit Union ( twice ), XXXX Card, XXXX, XXXX XXXX XXXX and XXXX XXXX NA. I also have a collection account with no name but an account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking XXXX, XXXX and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 


This not a credit reporting agency. I am writing because I am a victim of identity theft. Equifax, XXXX  and XXXX  continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. I am expecting you to follow the laws and have this information blocked from my report.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

THD/Citi have reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. They have asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. they have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue
Consumer complaint received 2021-09-14
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: LEXISNEXIS (MO)

I've emailed LrexisNexis several times about the accuracy of the bankruptcy on my credit profile and it still has not been corrected. I contacted them on XX/XX/2016, XXXX, XXXX, and XX/XX/XXXX, XXXX, and today. I have provided them with all my personal information and nothing has changed. This is the company below. 

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NV)

We have called Kia Motor Finance 10 separate times on this same issue. 
The problem began when we canceled the GAP insurance and extended warranty on this loan. They said it would take 90 days for it to be processed. It did take that long. 
When it was finally processed and they received the money it was not allocated to my balance. First it said online that I didnt have to make a payment until XXXX. I called them and notified them I wanted the refund applied to the principal. They assured me it would be applied within three business days. It was not.

I have called every three business days for weeks and received the same answer. There is an additional XXXX I paid which I also asked to be applied to principal which has not been allocated. 
When I called on XX/XX/XXXX, after talking to XXXX I was transferred to a supervisor XXXX who assured me it would be allocated within 3 business days. 
I called back twice on XX/XX/XXXX. XXXX and XXXX both put me a hold for a supervisor and I was disconnected both times. 
I have also requested my money back and XXXX told me this can not be done. She also stated there is no one s be her to speak about this issue. 
I do not know what to do. I can not get anywhere with this company. My payments have been on time and I have no problem making them which is why I want this money allocated to the principal and not future payments.
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I have an unauthorized charge through Paypal. Paypal failed to assist me with the fraudulent charge. I have tracked down what I can regarding the charge from Paypal and emailed the merchant who charged my card to which she claims that they never charged my card. Paypal has not been any help to this charge initiated by them. I emailed XXXX several times. I have attached my email correspondence with her and the information that I received from Paypal. I never placed or received any orders for {$360.00} just as XXXX at XXXX XXXX XXXX has stated back to me via email. It makes no sense because her email is XXXX XXXX but she claims that her website closed in XXXX but will check with the person regarding them charging me on XXXX  ( XXXX ). I reached back out to XXXX again today to which she claims that " the girl '' contacted me on XXXX. No one contacted me. I have asked several times who is the person who runs the site and who is it that charged me. This claim is not valid as nothing was delivered to me. This is a total scam and Paypal did not due any due diligence in this matter.
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On approximately XX/XX/2020, I attempted to transfer funds on Coinbase from the " Vault '' feature to the " Wallet '' feature. This transfer required approval from my main account as well as a co-signer email account. The main account had already approved the transfer, as noted on the Coinbase site, but when the co-signer attempted to approve the transfer from their email as instructed, the Coinbase webpage they were sent to said they had already done this action, yet on Coinbase itself it stated that the co-signer had not approved. The co-signer attempted to approve the transfer through the email multiple times, but every attempt failed. After 24 hours, the transfer was terminated due to the co-signer being unable to approve the transfer. 

On XX/XX/2020, I emailed Coinbase 's support team and detailed the problem. I was sent a response email at that time confirming that my case had been received. 

It is now XX/XX/2020, and I have not received any other notices from Coinbase on this issue, and my funds have not been transferred.
Consumer complaint received 2023-03-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized loan servicing has taken out biweekly XXXX since inception of the loan. They do not know how to properly apply the funds. When I had XXXX XXXX- they immediately applied them to the loan and pushed out the next due date. XXXX puts them into an unapplied funds suspense account. I have never been late- it isn't possible... they pull the XXXX. Overnight- my credit went from XXXX excellent to XXXX fair because they reported me as delinquent. I am on my loan details- there is nothing past due. Next payment due date is XXXX. I have complained to them MULTIPLE times about how they mismanage funds. I need my credit fixed immediately - I have never had a delinquent payment on any account. I am supposed to purchase an RV next weekend, and now XXXX has caused me financial harm. I am handcuffed to them because of i have a 2.5 % APR. I can not move without causing more financial harm, but they are awful.
Consumer complaint received 2022-04-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$18000.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXXXXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX XXXX/ {$2900.00} / XX/XX/XXXX
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (CA)

Acima account was settled in XX/XX/2020. Upon settling the account a letter for deletion was requested. Acima refit did not send the letter of deletion. The account was closed and is reporting as a charge. Ive tried to contact the merchant regarding the account and was informed that I will need to reach out to XXXX to have the account disputed. Ive tried disputing the account multiples times and has had no luck. I also tried disputing this account through XXXXXXXX XXXX XXXX as well as XXXX XXXX and have no luck. The account is reflecting negatively on my credit and I would like it to be removed.
Consumer complaint received 2023-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also State a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open Consumer Credit plan as a late for any purpose.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MS)

santander consumer usa are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.