davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX I refinanced my home with XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX since then the loan was transferred to XXXX XXXXXXXX XXXX until XXXX of XXXX which it was then transferred to Select Portfolio Servicing, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX. In XXXX of XXXX I received documents from SPS which referenced a deferred Principal amount of {$16000.00}. I inquired twice about this information only to receive a document that didn't reference the issue at all. I have never been informed of any " deferred principal '' or of any documents that I have signed. I am currently in the process of Filing a Bankruptcy Chapter XXXX to protect my home as it is my primary residence and this " deferred principal '' is causing additionally financial hardships. I believe this issue to fall under the umbrella of predatory lending practices and am requesting that it be investigated. Thank you,
Consumer complaint received 2018-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (OH)

I filed a complaint against the credit bureaus, XX/XX/2018, requesting they validate the debt shown as collections on my credit reports. They send correspondence of the dispute to the creditors, and today I have not received the documentations bearing my signature on the original contract to the debt. I am not aware of this company or debts and request validation.
Consumer complaint received 2016-04-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

In late XXXX 2016, I paid off a 401K loan with the goal of applying for a new loan to purchase my XXXX home. I made several calls to XXXX XXXX before requesting the loan to ensure the new loan disbursement would be available in time for me to make my XX/XX/XXXX car payment prior to the 30 day past due mark. Unfortunately this did not happen despite me taking every precaution. 

Once I realized I could not make the payment timely, I made a payment arrangement online at NissanFinance.com to make payment by XX/XX/XXXX. The money was n't deposited to my account until XX/XX/XXXX ( 3 days later ) when I promptly made payment. I also contacted NMAC by phone asking if there was anyone I could avoid late/derogatory reporting to the credit bureaus and was told that a report had already been sent & there may not be anything she could do to adjust. 

On XX/XX/XXXX I received an alert from XXXX that my loan was reported as 31-60 days late. I immediately mailed XXXX letters to NMAC requesting goodwill adjustments to that report. I never received a response from NMAC but I happily received an alert on XX/XX/XXXX that the negative reporting was removed. 

To my shock, on XX/XX/XXXX the XX/XX/XXXX payment has now been reported as 30 days past due again. I 'm requesting that this reporting be adjusted in light of the prior removal. I did attempt to resolve by phone on XX/XX/XXXX but the associate I spoke to simply denied it was ever adjusted back on XX/XX/XXXX & would not assist. 

Although I acknowledge the issue with my payment was entirely my fault and not NMAC, I am asking that they adjust this single late payment since the loan was initiated. I 've confirmed that there is no regulation that states that a creditor is required to report this & am asking that NMAC simply remove the mark as they did on XX/XX/XXXX. 

I 've attached copies of the XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX credit file to reflect these changes.
Consumer complaint received 2018-07-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Requested validation of public record from furnisher of information regarding bankruptcy from XX/XX/2014. The furnisher is the XXXX District Federal Court, XXXX Division not XXXX XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify. I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.
Consumer complaint received 2018-07-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Requested validation of public record from furnisher of information regarding bankruptcy from XX/XX/2014. The furnisher is the XXXX District Federal Court, XXXX Division not XXXX XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify. I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2020-08-22
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: REGIONS FINANCIAL CORPORATION (NH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-07-01
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: Bread Financial Holdings, Inc. (NY)

I discovered over {$600.00} of XXXX " XXXX '' charges billed to my Total Rewards XXXX account statement dated XX/XX/XXXX thru XX/XX/XXXX I did not make or authorize anyone else to do so either at any time. After thoroughly reviewing the last 12 months of past statements in detail I came across another charge to my account that I did not make. The Chargers for a balance transfer dated XX/XX/XXXX {$400.00} I never made a balance transfer from or to this account since it's been opened.
Consumer complaint received 2018-07-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/2018, I returned a leased XXXX XXXX XXXX to XXXX XXXX XXXX in accordance with my lease. The lease was for 2 years and XXXX miles and the car was returned with XXXX miles, within the lease agreement. I subsequently received a bill from Toyota Financial Services for {$3200.00} which included {$2600.00} for excess mileage, {$350.00} for a disposition fee, {$230.00} for sales tax, and a reduction of XXXX for an overpayment. I contacted Toyota Financial Services about the erroneous billing, and after researching the file they agreed the billing was in error, removed the excess mileage charge and waived the disposition fee, which eliminated the sale tax and agreed to refund the {$19.00} overpayment, which they did. 
Subsequently I received a call from a debt collector, XXXX XXXX. After researching the file again, XXXX agreed there was no amount due. 

I then received another from XXXX XXXX agent claiming the amount was due. I explained the error to the agent but she would not listen. I sent a letter to XXXX and to Toyota Financial requesting letters clarifying that no amount was due. Neither responded to my letters. 

Now I receive a letter from another collection agency XXXX XXXX, XXXX requesting payment for the same erroneous claim.
Consumer complaint received 2017-02-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stevens Business Service, Inc. (MA)

I called XXXX XXXX XXXX on XXXX. They show no accounts in collections at Stevens Business Services. However, XXXX is showing XXXX accounts in collections from XXXX XXXX, XX/XX/XXXX still open. 
Accounts do not exist.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NC)

In XX/XX/2021, I sent a certified letter receipt requested to Barclays Bank Delaware due to their erroneous reporting on my closed credit card account. I paid for credit monitoring in XXXX, and was shocked at how haphazard and erratic their reporting was - multiple reporting of late payments on one CRA report while reporting I paid on-time on the other two. There is also a discrepancy regarding the date of last payment - each credit report has reflected a different date for years of reporting. I received the green card receipt that proves XXXX received my letter, and they brazenly reported the same errors in XXXX.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my capita l one payment for the month it was declined because of the erroneous purchases. I paid capital one immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted Capital One and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Capital One  is acting UNREASONABLY, as i have had the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.
Consumer complaint received 2020-08-22
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. (NE)

I spent 2 hours on the phone with a FTC help desk agent today who confirmed the reporting for FTC theft reports are broken after realizing if a customer statement is lengthy and or has tax fraud that the formatting is spreading across pages. They included notes on the internal system but would not contact the credit bureaus to validate the reports and said it could be 60 days or more for a correction and theres nothing they can do for me and that the credit bureaus can check their internal system for the validation or call the help desk number. 

Credit bureaus ( XXXX  and Transunion XXXX will not accept mine or my husband XXXX XXXX FTC Theft report for identity theft rights to enact FCRA XXXX blocking. They are stating they are fake because the formatting is wrong. Ive talked to them, uploaded and received the same response multiple times that they wont accept it even though Ive told them its coming straight from the FTC website. I uploaded the information to verify the reports with the FTC and they said they dont and wont do anything like that and Ill just have to wait. 

The two will not communicate with each other to allow me and my husband to enact our FCRA 605 rights and have just disputed the items instead of blocking. We cant get an auto loan because of these fraud accounts being listed and not removed and Ive been working on this for a month. Please, please help.
Consumer complaint received 2018-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (OH)

The debt collector ( s ) have my number but I am not the person they are looking for. They are looking for a person with a similar name. I realize that debt collection calls are allowed but I am not the person they are looking for and they won't stop calling. If I get one collection agency to stop ; they sell my number to someone else and the annoying, harassing calls start all over again. This is harassment.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MI)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of  XXXX   XXXX  to  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Someone use my personal information open serval account, after I run my credit report showing there have 4 fraud account one of them is capital one, when I called capital one, they told me the account was open in XXXX on XX/XX/XXXX, I have been living in California since XXXX and never been out of state. 
After I contact capital one and send my ID, bank statement, tax report 1095c, social security copy and police report to prove my living address, but capital one rejects my request to remove the fraud account. Other three fraud account included XXXX, XXXX XXXX, XXXX XXXX ) XXXX they already remove the fraud account. 
Please help me to contact capital one to remove the fraud account and report to three National credit reporting agencies. 
Thanks!
Consumer complaint received 2020-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MS)

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. " FCRA requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information ''
Consumer complaint received 2018-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

Citibank has been calling and harassing my family members about a credit card that I didn't open or use. Citibank opened this card and apparently allowed someone else to access the credit on the card. This account is not mine. I am a victim of identity theft. I have attached copies of documentation.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OR)

I have previously filed a complaint due to this company refusing to close my account and send me a closed account letter I sent a copy of my ID SS CARD AND UTILITY BILL I have proof it was sent and received through mail and email that asked me to send my personal documents I did and they still refused to close my account I 'm never going to use my card from Costco and it being open makes it prone to thefts or etc I might have to take legal action because they received my personal information and keep asking me for the same documentation and not closing my account
Consumer complaint received 2015-08-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX XXXX we used bank card to pay for car repair {$280.00}. My husband was going to transfer from savings to checking but forgot. At the time we had {$1400.00} in savings and the accounts are joined together and we have overdraft protection. Well we were not notified and we kept using the card and for every transaction they charged us {$37.00}. We now have overdraft fees in the amount of {$1100.00}. This while time no one transfered the money from savings and the card was able to be used. We went in Sat XXXX XXXX to make a complaint to the manager and he said it was above what he could do and he would email his regional manager and call us on Tues. Well he never called and we found out that someone had authorized all of our savings {$1400.00} to be taken out and they too his paycheck of XXXX and some change to make our account a XXXX balance. Well I called Friday to find out why no one had gotten back with us and still no answer. We feel that we should pay the fees from our mistake but they should not have take all of our money to which we now can not pay car payments rent to our house and all other bills that are due tomorrow. My husband went back this morning and still nothing is being done. Please if you can help us that would be great. My husband researched and found that in XXXX other states 5/3 bank has lost cases due to insufficient fund issues.
Consumer complaint received 2023-02-07
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. (WA)

While looking over my consumer report I noticed late payment reporting. According to the law, I am a consumer, and it is against the law for late payments to be shared on my consumer report.

15USC 1681 ( 2 ) ( i ) states exclusion a credit report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

1026.13 also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I am requesting and putting you on notice to please REMOVE ALL LATE PAYMENTS off my credit report this request is not made by anyone but myself or I will seek legal action against you I have already let you know of 4 violations and know a lot more I can add and will be requesting {$1000.00} per violation if this matter isnt handled. 

Department of education XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BC SERVICES, INC. (CO)

I have reached out to BC services on several occasions to tell them I don't owe this medical debt. attached you will find my bankruptcy discharge paperwork. I also attached the certified mail receipt showing they did receive my letter. They also used medical diagnosis to validate my debt, without a signed HIPPA release.
Consumer complaint received 2019-06-03
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. (IL)

After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days.