davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

XXXX ( Nissan Motor Acceptance Corporation ) is in violation of multiple FDCPA laws. I have highlighted them in the " contract ''. They have been charging me monthly payments on a vehicle that has a positive balance, that is false representation of the amount of a debt. The finance charge, amount financed and The total of payments are all violations. If it is indeed a debt and it is owed it should be shown in the negative. So far the amount that has been paid to date is {$25000.00}. I have sent an invoice to the company to have them repay me all of this as well as my down payment and for the violations. I have not heard anything back from them
Consumer complaint received 2020-12-02
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: EQUIFAX, INC. (TX)

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$20000.00} - Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$20000.00} Original loan amount - Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 60 90 30 60 90 120 XXXX XXXX - - XXXX XXXX XXXX XXXX XXXX - - XXXX - - - - - - - - - - - XXXX  {$0.00} Closed 4 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage account Balance on XX/XX/XXXX Loan Amount {$0.00} {$220000.00} Payment Info Status 30 days past due Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$220000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 30 30 30 30 2018 On Time 30 Days Late XXXX  XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Balance {$3600.00} Balance Updated XX/XX/XXXX Credit Limit {$3300.00} Monthly Payment - Past Due Amount {$3600.00} Highest Balance {$3600.00} Terms - Responsibility Individual account Your Statement - Comments Dispute resolved reported by grantor XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX  XXXX  Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Balance {$4600.00} Balance Updated XX/XX/XXXX Credit Limit {$4500.00} Monthly Payment - Past Due Amount {$4600.00} Highest Balance {$4600.00} Terms - Responsibility Individual account Your Statement - Comments Canceled by credit grantor fcra violations cant correct it must remove it LAW
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WV)

In XX/XX/XXXX I contacted Freedom Mortgage to see if I could have my PMI removed. I was told I'd pay {$150.00} for a BPO and it would be removed if it qualified. Then I received a letter stating it wasn't eligible for BPO review until after XX/XX/XXXX because I needed to pay 2 years on the house. In XX/XX/XXXX, I again requested a BPO review by secure email. I received a response stating that I would need to pay {$450.00} for an appraisal. When I called, I was told that the fee is {$150.00} and it must be a typo, but then the agent looked further and said that West Virginia is the only state that Freedom Mortgage requires a {$450.00} appraisal and not a {$150.00} BPO. Additionally, Freedom Mortgage states that even if I pay my mortgage down to 80 % of original value, I will have to pay {$450.00} appraisal fee before they will remove the PMI. Why is WV the only state that must pay significantly more to remove PMI? And once I've met 80 % of my original purchase price, how is it not contrary to the Homeowners Protection Act to have to pay {$450.00} for an appraisal just to avoid paying additional PMI?
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY Select a Reason XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be proces
Consumer complaint received 2020-04-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (VA)

I canceled my account with XXXX and had a line ported to XXXX. I was just told that they can not cancel a account when porting a number. I was never told this until this month and have talked to XXXX multiple times since I called and canceled my account XXXX of 2018. Also I have a voice message stating I owe XXXX after they looked in to my account which is one of the mistakes I have been trying to tell them. Diversified consultants is reporting on my credit report that I owe XXXX which is false. I dont owe anything. XXXX was misleading and used their policy to keep me from canceling my account by not telling me I would have to call back after the number ported over.
Consumer complaint received 2020-09-01
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. (IL)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

For EXPERIAN 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. FCRA states that accounts which are sold can not report monthly payments, past dues nor balances. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

For XXXX 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A. (PA)

Due to covid pandemic my job closed down and i was out of work and unable topay he car loan and pa uneployment was on a stand still for me and i called the bank because asking can all my payments go o the end of my loan and i was told they help me already and that my car been charge off /written off but make a paymeny of XXXX and it doesn't mean it won't get repossessed, I am a person who was very XXXX with XXXX  my son XXXX years old and myself, i just was asking for a little help in spike of the issue i had from day with this car and all the problems i suffer from it .I feel like i wasn't bein help i contact the CEO of pnc and his secetary calle dme back and said she tried to help me .but its to late .Its not my fault i had covid and my job closed down permanent becaus eof covid 19
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc. (GA)

I checked my credit report on XXXX XXXX, 2017 and noticed that I had a collection that had been reporting for the past 3 months. I was never notified of the debt, nor was the debt ever verified. I found the website for RGS Financial and chatted with a representative named XXXX XXXX at approximately XXXX XXXX XXXX. I made it clear that I never received any notification of the debt, and also asked for her to verify the debt for me. I have not received a response.
Consumer complaint received 2017-12-12
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. (CT)

XXXX XXXX XXXX did not process my payment which was on time. They state I was 60 days late and yet when I contacted them directly, they admitted the account was paid in full and they received my payment. They sent me a letter indicating that there was zero balance and never late. But would not update my credit report indicating that I should use the letter to dispute with Experian.Experian rejected the letter and kicked it back to XXXX XXXX XXXX.
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

I was a resident at XXXX XXXX XXXX XXXX in XXXX Michigan ( owned by XXXX XXXX, at the time ). We moved out at the end of XX/XX/XXXX with all bills paid up, including the return of our deposit minus the final utilities ( water, sewer, trash ). 

In XX/XX/XXXX, they added a charge for {$760.00} and reversed the charge the same day. They are saying that I owe the {$760.00}, even though their own records indicate I have a {$0.00} balance. 

We never received a bill from XXXX XXXX XXXX XXXX, nor XXXX XXXX. Starting in XX/XX/XXXX, my wife and I both started receiving calls from a debt collection and eventually a law firm attempting to collect the {$760.00}. Each time I was contacted, I told them that we had a good relationship with XXXX XXXX XXXX XXXX  and if we owed them money, we wanted to make it right. It took from XXXX until XX/XX/XXXX before the finally sent documentation showing what we owed and that our balance was {$0.00}. 

I sent this information to XXXX XXXX, National Credit Systems and the XXXX XXXX XXXX  XXXX XXXX XXXX. I could not contact XXXX XXXX by telephone. I sent them a packet with all of the information asking them to intercede ( I have not heard back from them ). I was able to contact National Credit Systems and the XXXX XXXX XXXX XXXX XXXX XXXX. National Credit Systems refused to do anything, even though they were the ones who published derogatory information in both of our credit reports, because the case was in the hands of the law office. Even though I sent the information back to the law offices ( the information they provided to me ), they refused to take any action to correct this whole situation. 

I also filed disputes with 2 of the 3 credit bureaus who simply checked with National Credit Systems, who said it was a valid debt even though I had provided them the paperwork showing it was not a valid debt. 

To this date, our credit ratings still have the false information and none of the three ( XXXX XXXX, National Credit Systems and the XXXX XXXX XXXX XXXX XXXX XXXX  ) have sent me any information acknowledging the mistake, nor have they been willing to discuss the matter when they called me or I called them. I even had one person tell me I should pay the amount requested without any documentation proving I owed anything.
Consumer complaint received 2020-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

For XXXX 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. FCRA states that accounts which are sold can not report monthly payments, past dues nor balances. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

For TRANSUNION 1. The high credit or original amount is being reported inconsistently on all three bureau reports. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
There even is a bureau reporting {$0.00} as high credit for this account. How can you say this is verified? 
XXXX XXXX Account Number : XXXX Please investigate and delete this inaccurate information ASAP. 
2. The account below is tagged as a collection/charged-off account so there should be no balance. How can you allow this account to be posted on my report when it obviously does carry a balance amount? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

XX/XX/2020 - my credit score dropped 115 points because FedLoan inadvertently reported me 90 days late due to a mistake on their part. At least two or three FedLoan agents assured me that they had not reported me late. I disputed the late payments with the major credit agencies ( wasting my time since FedLoan was in the wrong ). Finally speak to an account specialist in late XXXX who discovers what went wrong at FedLoan. The account specialist stated he would escalate it. Fedloan sent me requests on how to mail my info via USPS to resolve the issue instead of taking responsibility for their mistake. XX/XX/2020 - my credit score jumped back up about 70 points and their only course of action is to say " sorry '' and to " check my credit and hope that it goes back to normal ''. Absolutely unacceptable, incompetent, negligence.
Consumer complaint received 2021-10-20
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: AMERICAN EXPRESS COMPANY (CA)

I filed a dispute for a transaction, but Amex failed to start an investigate and refund the charge. I used my card on a hotel reservation with confirmation # : XXXX, check-in date : XX/XX/. It was canceled WITHOUT any penalty with cancellation # : XXXX. The merchant told me they ALREADY processed the refund it to AMEX long ago, but the refund never showed up my billing statement at AMEX. I filed disputes with AMEX multiple times, Ref. XXXX and Ref. XXXX. But AMEX just closed my disputes without any explanation.
Consumer complaint received 2020-04-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CO)

As requested per the Freedom Mortgage website on XX/XX/2020, I had to fill out a loss mitigation form and a write letter in order to be consider for the mortgage relief during these unforeseen circumstances of the Covid-19 pandemic. I have submitted all the information that they have asked of me by email, I have also tried calling them numerous times but to no avail. I have not gotten an answer from a live agent only a recording directing me to go to there company website. I have received a letter from them today ( XX/XX/2020 ) and appears to me that they are trying to foreclose on my home. I have never miss a mortgage payment with this company I was only seeking assistance because of the unsurety of this unforeseen pandemic.
Consumer complaint received 2020-11-17
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: FIRST HAWAIIAN, INC. (HI)

On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, FIRST HAWAIIAN BANK add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per Equifax.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I was a victim of Trans Union inquiry issues and that they did not follow FCRA 611 I had already disputed this with them and customer servicer refused to fix the issues, I don't only have inquiry reinserted on my credit report with out them notify me but I have about an additional 30 inquiry 's not seen before. 

here is a list of inquiry 's XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Dear Sir or Madam, This letter is intended to request the XXXX XXXX XXXX to remove a negative mark that was annotated on my credit report. In 2016, my XXXX XXXX car lease ( account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to XXXX in person at their dealership at the time of the ownership closeout. XXXX however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. XXXX submitted their bill to collections and now my score has lost over 100 points. 
The issue was resolved with XXXX as they received proof from the DMV that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the DMV provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - DMV Proof of registration cancellation.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (SC)

I have been a customer with Provident Funding for over 10 years and subscribe to autopay. I have never missed a payment. In XXXX, I tried to refinance my loan to save money and while the tentative refinance was authorized through the same mortgage lender, I decided not to incorporate the additional fees for closing. Instead I decided to add an additional {$500.00} for principal on the autopayment. Unfortunately Provident did not accept the auto payment as instructed and instead had reverted back to an older bank account which had not been used in 3 years. I just received notification via a spam blocked voicemail stating to contact them. Once I realized the payment didn't go through, I made the payment manually again and contacted them twice to remove the late fees. They refused to remove all late fees and other associated fees to the account stating that I was late in my payment and took no responsibility for making any changes or having XXXX glitches to their system. They encouraged me to file this complaint stating they have enough proof to show that I put the incorrect information back in the system -- -even though there is no possiblity of me doing so. The manager was XXXX while the other clerks were XXXX and XXXX.