davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had a collection for the amount of {$700.00} under the name XXXXXXXX XXXX that I won a judgment against and was closed. But now that same debt is showing up on my credit report under a new name as XXXX XXXX. This debt I already won a judgement against and had removed from my credit report and now this same debt is showing up as a new account name. This is illegal
Consumer complaint received 2019-11-05
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: BBVA FINANCIAL CORPORATION (TX)

I purchased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX in XXXX TX. I was under the impression that this car would be financed by XXXX XXXX as was the other car that I purchased brand new at the same time. 

Two months later, I received a payment booklet from BBVA for the financing, but I never signed a loan agreement with them, but yet I still made payments on time. 

On XX/XX/XXXX I was hit by a drunk driver and my vehicle was totaled. I worked with the other person 's insurance company who settled the debt for less that what was owed on it. So I reached out to the GAP company and was assigned a claims adjuster to start the process. I've since submitted everything they have requested except for the 4 things they needed from BBVA to process the GAP coverage. I owe XXXX on the vehicle and BBVA is calling me to collect the debt, but have disregarded all of my emails, phone calls, walk in to the bank where I've requested that they send the required documents so that I can submit them to the GAP adjuster. I have not heard from BBVA total loss department regarding the requested Items. I got a automated generated email and that was it. My claim is about to close and will be denied if they don't received the bill of sale, a copy of the cancelled check, the purchase order agreement, and payment history letter. 

Not only that, I was told by XXXX XXXX XXXX XXXX that the reason the XXXX location was closed was due to bad business practices. We never received the 2nd key fob for my car and my wife never got her car tented as we were told This has been a complete nightmare after being hit by a drunk driver and now have 3 car loans. 

Please help me! Please. You can reach me at XXXX or my wife at XXXX. You have my permission to speak with XXXX XXXX if you can't reach me by phone as I'm a XXXX XXXX XXXX for XXXX XXXX. 

Thank you!
Consumer complaint received 2019-11-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I purchased new XXXX in XX/XX/XXXX had a car for ten days and got totaled. It was hit and run not even my fault. I made two payments one in XXXX and second one in XXXX because Toyota didn't want to release any information to my insurance because car was under my name. Finally in XXXX check was sent to Toyota Finance and car was payed in full. In month of XXXX I ever received a phone call from them if I am ready to get in a new XXXX. In middle of XXXX I received Billing Statement from Toyota Finance which I am attaching as a evidence. In this statement they are stating how I owe {$550.00}. So from XXXX until XXXX it took them four month to realize there was a difference between check they received from my insurance and there documents. They already release the vehicle and title so if there was a difference in a pay off amount why did it took them four month and why did they release title if vehicle wasn't paid in full? Also look at the dates please statement date on the billing statement is XX/XX/XXXX and due date is XX/XX/XXXX. Toyota Finance already put me on collections on XXXX of XXXX. I recently checked my credit because I am looking of buying my first house and seen what they did to my credit. Toyota finance should be prosecuted for this. 
Thank you XXXX
Consumer complaint received 2017-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

On XX/XX/XXXX, at approximately XXXX XXXX CENTRAL STANDARD TIME. I, XXXX XXXX XXXX, called Navient for deferment ( In-school XXXX XXXX ). They promised to accept my documentation and proof of enrollment at XXXX XXXX XXXX XXXX. I am enrolled for 6 credit hours. The last term was a pain to get deferred, also! Now, Navient has denied my in-school status and stated, " Ineligible school. '' Please help!
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE XXXX Open/Closed Account Type Balance Date Opened 2 Credit cards & credit lines Closed Credit Card {$200.00} XX/XX/2021 And i keep trying to get it off and it keep saying verified remains and how is it and its not mine
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (KS)

This is related to the case : XXXX My U.S bank account was closed by the bank on XX/XX/2017 and there was an amount of {$170.00} balance left on the account during the closure. The U.S bank issued a cashier 's check on my name but sent it to my old address ( not sure why ). In the past three years, I called numerous times and also visited their bank at least four times to cancel the previously issued check and issue a new check to my current address but nothing worked. I logged a compliant ( case # XXXX ) regarding the same. They contacted and sent me a letter asking me to visit the branch with that letter to cancel and issue a new check. I did as they instructed but still, I did not receive the check.
Consumer complaint received 2024-05-21
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc. (MO)

I noticed a Unauthorized charge taken out of my dasher direct account ( Payfare ) onXX/XX/2024 in the amount of {$95.00}. The merchant the charge came from was XXXX XXXX XXXX I did not authorize this charge and I do not even know what XXXX XXXX XXXX and I immediately called the support phone number to report this charge. They immediately locked my card and stated they would send me a new card and they authorized me to fill out a dispute form that was emailed to me. I did so right away and explained this charge was not authorized by me and I had no idea why it was charged to my account. After submission of the dispute form i received a correspondence back from the Payfare telling me to attempt to reach out to the merchant that made the charge on my card and try to get my money back this way. I did so and contacted XXXX XXXX but they said I had to have an account # in order for them to locate the charge I am referring to and I do NOT have an account with XXXX XXXX so there was nothing they could do for me to return the money withdrawn. I then filled out the form XXXX  sent me explaining this and I have not heard nothing back from them in over XXXX weeks so I called them again to check on the status of the dispute and they said I need to fill out another dispute form. This is Unacceptable because I have already done this several times. How long is this supposed to go on before they return my money?? I have read countless other complaints in regards to Payfare not returning unauthorized transactions on others dasher direct pay cards and so I am now scared I am going to be out {$95.00}. Plus they charged me {$5.00} to get a replacement card and this is ludacris because I had to get a new card because my card was compromised. Please someone help me!!!
Consumer complaint received 2018-09-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I was leasing a car for my daughter and lease was scheduled to end in XX/XX/XXXX. Being that my daughter had not found another car yet, I requested from Nissan if we could extend the lease. They said that we could and sent me the attached letter to sign in order to extend the lease. The form states ( in bold ) that except for the changes listed in the letter ( the rate increased to include additional taxes ) everything else about the lease would remain the same. So when I got the next bill in the mail, I ignored it, because I had been doing auto-pay from my bank for the 35 previous months of the lease and had no reason to think that it ended. Even during the lease, I would get bills like this one monthly. I then went away for a few days in the summer and when I got back, there was a message on my home phone to call Nissan. I did, and they told me that my payment was overdue and that my auto-pay had not been carried over to the lease extension. I explained to them why I had not paid the bill ( that I expected that the auto-pay would continue since the letter I got said that everything was remaining the same ) and then immediately went online to pay the bill ( {$190.00} ). A short while later, I got a notification from my credit card company that my Credit Report has been changed. I logged in and saw that where my credit report previously listed my as having XXXX (! ) late payments in 23 YEARS (! ), I now had one. Reported by Nissan. Which caused my credit score to drop by 50+ points. I contacted Nissan and begged them to remove that negative item from my report but they refused ( as indicated in their attached letter ).
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (SC)

I was contacted by LVNV Funding LLC in regards to a XXXX XXXX account via telephone and via email. I gave a verbal cease and desist on two occasions over the phone as well as a written one on XX/XX/2020, XXXX XXXX. I was contacted again after written request on XX/XX/2020, XXXX XXXX. 

I have asked very politely for the emails and calls to stop. The tactics used over the phone are harassing and very unsettling. I compare their demeanor to that of a school yard bully. The communication via email has been professional. 

I am only reaching out for help as a last resort. I have hand written documentation as well as a copy of the email communication. 

Please hold this creditor accountable for their blatant violation of FDCPA guidelines.
Consumer complaint received 2023-05-15
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXXXXXX Balance : {$5400.00}.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2020 Capital One sent me a response letter from a previous complaint I filed through the CFPB. XXXX XXXX, stated in the letter that information needed to be submitted to get my accounts un restricted at Capital One. I submitted all information, XXXX has yet to reach out to me via phone or email regarding the accounts being un restricted and back to normal. All information was submitted that was needed. I never received a call from Digital Verification as stated in the letter. Again, all information was submitted that was needed. My accounts should not be restricted any longer.
Consumer complaint received 2017-08-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

We have never missed a payment with the company and we are trying to modify our loan and making it extremely difficult. They also came back with a 6 month trial where the payment went up over 200xs our original payment. We have hired a lawyer and they are not corroborating on resending documents over for review.
Consumer complaint received 2017-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, Equifax, XXXX, and XXXX are claiming to investigate it but my contact to the court denies this. Equifax claims to get this info from XXXX who I did contact by certified mail with no response ...
Consumer complaint received 2023-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am writing to dispute inaccuracies on my credit report, which I obtained from your agency. According to the Fair Credit Reporting Act ( FCRA ) section 15 USC 1681, I have the right to dispute any inaccurate information on my credit report and have it corrected or removed. 
Specifically, I have identified the following errors on my credit report : Portfolio Recov Assoc XXXX I request that you investigate these inaccuracies and correct them promptly. As per the FCRA, you have 30 days to complete your investigation and provide me with a written report of the results. 
In addition, I request that you provide me with a free copy of my corrected credit report, and that you notify any creditors or third parties who have received my credit report within the past six months of the corrections.

Please be advised that failure to correct these inaccuracies may result in legal action under the FCRA. Thank you for your prompt attention to this matter.
Consumer complaint received 2022-08-06
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, XXXX, XXXX, and Experian have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-10-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I had PayPal credit. I missed a few payments in XXXX due to XXXX struggles. I set up a payment plan for XXXX months. It was on auto-pay monthly. Once I started doing well, I opted to stop the payment plan. I received an email confirming the payment plan was stopped/canceled. After a few months, I began to default again and called in to initiate a new payment plan. We did so over the phone and set up auto-pay. I thought PayPal credit was taking my money monthly, per our agreement and per the AUTO PAY. Yet, I started to receive notification stating no payment was made for months and my account was going to collection. When I called in to XXXX, they stated my payment plan was canceled/closed. When I asked who canceled the payment plan, they couldnt verify who closed it. I had proof I didnt close it because I wouldve received a confirmation email of me stopping the payment schedule, as I did with the first payment plan mentioned earlier. They informed me they would transfer me, get a supervisor but never did. I have called, emailed, and faxed a total of XXXX times since then and have asked for call-backs but no one has called me back. No one has emailed me back either. No one has been able to tell me why the payment plan was closed prematurely. I believe they are attempting to avoid accountability by not truly responding to me. I didnt close or stop my autopay, so my payments shouldve been going through fine AND thus, this shouldnt be in collections. At this point, I need a written explanation/response and exact dates of what occurred. And once we confirm I didnt close or stop my autopay, then this needs to be removed from my credit report.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Consumer complaint received 2019-11-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian is continuing to report three inaccurate public records after multiple dispute attempts online. I have verified with the data furnisher that they do not provide any information to any third parties. Therefore my report contains inaccurate non verifiable information that needs to be removed.