davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Our family has been LOYAL NISSAN CUSTOMERS since XXXX. 
We are disappointed that we have not heard from, nor been contacted in any way by NISSAN since we returned the vehicle to XXXX XXXX XXXX on XX/XX/XXXX. 

Upon returning the vehicle, the dealer commented on the vehicle being returned in excellent condition ; which it had never been in an accident and with just under XXXX miles less than stipulated on the contract. We were told that all has been taken care of by XXXX XXXX XXXX and we have nothing further to worry about. We asked to have a receipt or a terminated lease agreement to take with us, but were denied such. We TRUST NISSAN even though it seemed very strange and unprofessional for us to walk away without any written document of us returning the vehicle. 

Recently, we received in the mail a notice from XXXX XXXX XXXX XXXX debt collector requesting to collect a debt owed to Nissan Motor Acceptance Company, LLC. 

We spoke with XXXX XXXX XXXX XXXX by phone BUT were told to contact NISSAN for any detailed information because they do not. 

WHY ARE WE BEING ASKED TO PAY THE SUM OF {$1000.00} AFTER ALMOST 2 MONTHS??? 

This letter will also be forwarded to the Nissan Finance department. 

I trust you will look into this matter ASAP, making sure to settle this case immediately as best as possible. 
THANK YOU.
Consumer complaint received 2023-03-30
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OK)

My mortgage got sold to Greentree. About 18 months ago I had a loan modification ( even tho I was not late ). They presented an amount of payment ( {$540.00} ). I pay $ 827 monthly ( proven by my bank statements ). They 've since sent monthly statements with varying amounts due. When asked why these amounts are different than the signed modification, I get no answer. Now they are saying I 'm late and have started forreclosure proceedings. I 've proven to credit bureaus and to Greentree my payments but they do not care. I see lots of civil suits and complaints on this company. I 've had nothing but nightmares with them. They also refused my personal insurance when I recently changed insurance companies, until they finally accepted the insurance, but not without trying to tack on their exorbitant rates.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (FL)

I was dealing with Veterans United Home Loans XXXX, MO XXXX to pay off a reverse mortgage with another firm, and that was completed. It was understood that I wanted the loan paid off and I would need an extra {$6000.00} to replace an AC system in a separate check at the closing. Prior to the closing procedure I was ask to send them a check for {$500.00} to cover a home value inspection and {$250.00} for a termite inspection and I would get this money back at the closing. When the closing was finished I received a check for {$6000.00} and no check to reimburse me for the {$750.00} I laid out. 
I was told by the loan officer XXXX XXXX it was part the check for {$6000.00} and this of course was wrong I am out {$650.00}.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I started school in 2007. I never took the XXXX exam like i was promised. But I graduated by XXXX in 2007. I was immediately told we can defer after graduating so I can find work in my field. The school did n't help me after that. I was on my own. I was kicked out of my home. Im still in deferment. I got a house to rent and was kicked out after my year. All my kids things were taken. I had to move in with friends again trying to save money. I got XXXX for the XXXX time. I put money down for a place and was scammed out of that money. Again im moving with friends with XXXX kids. I find out my son has XXXX and he needs special care. My oldest has been in and out of doctors trying to see whats wrong with her. Im a single mother of XXXX. I can not afford to pay my loans and pay for my apartment and bills. My kids come first. I miss a lot of days of work to take them to there appointments or my sons therapy appointments. He so far has XXXX therapists. Im XXXX and i need help. I wanted to buy a home so my sons therapists can come when i get out of work so they have a better place to see him instead of in school or a place they can grow but these student loans keep dragging me down. They have dragged my credit score to the dirt. I have never paid them a dime. I am always constantly asking for help but all i get are you have to apply for a deferment. I need help.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  Card, XXXX XXXX XXXX, and SYNCB/JC Penney. The Account Opened is XXXX  Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is SYNCB/JC Penney Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XXXX XXXX XXXX harrasing me about a Debt thats not my Debt, I've never done any Business with XXXX XXXX XXXX, please delete from all my credit breuras
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

The loan was in forbearance when they reported my late payments. They also charged late fees. Failing to review borrowers applications for loss mitigation options within 30 days. They received my application back on XX/XX/XXXX, and nothing was done. I had to submit a second application on XX/XX/XXXX. I took them over a year to respond and nothing again lead to have to apply again and it took more than 30 days for a response. I have attached the whole timeline
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts ASAP.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-21
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (NJ)

My name is XXXX XXXX and as of XXXX XXXX I am unable to access my funds from Rushcard that 's all it needs to be said I have my money and they wo n't let it go and its been 10 days.They say it 's a glitch in the computer
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

I've been trying to get the PMI on my loan removed by XXXX XXXX XXXX to no avail. The company ordered an appraisal for a refinancing but refuses to use that value of the property from that appraisal as a basis for removing the PMI. They are asking me to pay for another appraisal before they can remove it.
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (MD)

IQ International is trying to collect a debt that is the wrong amount. I have disputed this matter and I dint get any satisfaction. I have provided them with cancelled checks that i paid a security deposit to XXXX apartments that was not deducted from the amount they have on my credit report. I also disputed this with all the credit agencies and only one agency sided with me and erased the debt. My credit report shows that i owe XXXX, that is incorrect. They sent me an invoice that does not deduct my security deposit. I got turned down for a homebuying loan today due to this debt.
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (GA)

When I lived in XXXX I had an account with TD Bank. I have moved to XXXX where TD has no branches. I have told the to close the account many times. The last time was yesterday. 
Because they have not closed it fees are just over {$1000.00} and growing. They now claim they will close it in 60 days. Then a collection company will go after me. They are not working with me at all. They just like charging fees. I am getting hit with fees as my account is less than XXXX because of fees.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC. (TX)

XXXX XX/XX/year> after diligent research on extraneous debt, XXXX. 's and Debt Relief I encountered Helpsishere.org ; in XXXX, Oregon, a 501.C.3 Non-Profit that specializes in discharging unsecured debt if One depends upon federal income. I subsequently signed an agreement with Helps and Attorney XXXX XXXX. Helps has sent out on my behalf official letters advising the XXXX Cards I surrendered that my Income is off- limits, ie they can not collect a dime as per Fed Regulation. They would have had these letters in the middle of XXXX past. XXXX Months later the entrys on my XXXX credit bureaus would indicate that I still had possession and was still paying which is incorrect. 
When the Helps attorney advised me that I could stop paying I did that. Since I have not had the cards since directly after my last payment, and had a good record of payments, they are using this as some financial tool for their own bottom line. IF My XXXX XXXX had truly been looked at those cards would not have been offered. My spending was almost solely for XXXX and to survive in an economy which Democrats have ruined ; with Inflation which is out of control. Every month I paid ontime and would always run out of food the middle of the month, this discharging it was beneficial for me and would have been less if XXXX companies had stopped debt out of my control in late XXXX
Consumer complaint received 2016-03-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

I purchased a vehicle around XXXX 2008. Due to financial difficulties, I fell behind on my payments, and the vehicle was repossessed. The company sold the vehicle, and filed a judgement against me. They are stating that I owe over the purchase amount of the vehicle.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (OH)

I had a due date of XX/XX/XXXX, min payment XXXX. I set up weekly payments of XXXX, which were applied XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX. Since the XX/XX/XXXX payment was received & posted after the due date, i believe it should be applied to the XX/XX/XXXX payment. It was NOT.  They said because it was after the due date but before the statement closing date, it could not go towards the following months minimum. the next due date was XX/XX/XXXX. Payments were applied XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. I was accessed a late fee because they say only XXXX payments were received before the due date...even though they had XXXX payments before the statement closing date. If it cannot be applied because of statement closing date then due date & clising date need to be the same.
Consumer complaint received 2021-02-25
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. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXXXXXX XXXX, XXXX XXXX, and Comenity Bank/Victoria 's Secret. The Account Opened is XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is Comenity Bank/Victoria 's Secret Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2021-02-25
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: TD BANK US HOLDING COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and TD Bank USA/Targetcred, XXXX, and XXXX XXXX XXXX. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

Last year I sent a verification letter to collector asking for more information about 5 account in collection ( medical debt ). They did not send any proof. The collection agency only updated the accounts in collection with the following remark : ACCOUNT INFORMATION DISPUTED BY CONSUMER. 
Account Numbers : XXXX, XXXX, XXXX, XXXX & XXXX.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (MD)

Hi my name is XXXX XXXX. I am writing to report the unfair practices of Zwicker and associates XXXX. It has been over a year since I have requested information about my XXXX Account. Each time the company has asked me to write an email to a manager or to call back within a week. I was even working with a debt relief agency and Zwicker never responded to them to confirm the debt or to provide details on how to resolve this issue. During the last 3 months I have called repeatedly to inquire about this debt. Each time, I am told that the account is on hold and the specialist can not discuss details of the account because they are not an attorney. 

I need Zwicker to validate this debt in writing and give me the opportunity to pay it off. I must resolve this debt so my family can purchase a home or find housing in general. Due to this issue not being resolved, my process has been delayed and now my family and I live in a XXXX  to avoid being XXXX. 

Please help as this has caused my family a lot of pain and stress. I am not trying to negotiate a debt. I just want to know what is owed so I can pay it in full. They dont have to negotiate with me, but they must allow me to pay the debt. This practice is u fair and unjust. The debt assistance program and loan officer are baffled by this.
Consumer complaint received 2016-02-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

I traded in a car that I had financed only months earlier for a newer car actually I traded a XXXX dodge caliber for a XXXX dodge charger worth about XXXX monthly payments to be XXXX per month the salesman told me I could split payments which sounded great however I only make XXXX per year and was very naive and my first time purchasing anything period chrysler dodge sold me the car and chrysler capital financed it chrysler capital knew nothing of split payments over the life of the loan I would wind up paying over XXXX dollars I think all things considered that loan should have not even been approved I have lost the car to tickets the insurance lapsed because I could not keep up with all of it the car is in possession of XXXX
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I called BOA to settle an outstanding debt for XXXX. I was driving during the call and offered to call back when I raised the money no later than XX/XX/XXXX. I was told no problem. A week later BOA called me back and asked for an additional {$76.00}. Confused they said they did not get the post dated payment. we review the previous call and they agreed to take the money but no post dated payment. There were 2 more calls saying the settlement was denied because they did not have a source of the money which my wife was giving me. She was borrowing from another source. I explained my business was sold and i was left with XXXX in debt and was denied unemployment at this time. I am trying to settle an pay all my bills instead of filing bankrucpy. So they agreed and now 3 days later we got another call saying the settlement was denied unless we pay an additional {$76.00} more again.