davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDNELNET XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I purchased a vehicle from a place in New Jersey call XXXX XXXX They said that credit acceptance is my lender for my vehicle. The first thing they did was lie about the mileage on the vehicle. Than the car has been in the shop multiple times. I asked why isnt the interest rate going down they stated they dont do that. The loan was around XXXX. I put XXXX down and my loan was supposed to be XXXX for XXXX months. The finance charge was XXXX. So the total on the contract is XXXX. I also had the a warranty on it. Which didnt cover all that need to be fixed on the vehicle. I couldnt afford the vehicle because it was still problems with it.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

In XX/XX/XXXX my checking and saving accounts were closed do to a previous checking account that was closed with the same institution. Unbeknownst to me I shouldnt have been able to open another bank account, but I was and now my accounts have been frozen and they said they were going to send me an official bank check to receive the remaining funds in my account, but I have yet to receive my funds.
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (GA)

I have submitted on many occassions ( XXXX, XXXX, XXXX, ) for XXXX XXXX to provide me with a physical copy of my contract with them and the original creditor Comenity Bank, showing that the account is indeed my account. I have only received the name, an amount and a date they opened the account. That is not a validation or itemization of the account. with the numerous amounts of information breaches. this is unacceptable. I did not open this account, and XXXX XXXX has not submitted any evidence of the account belonging to me This is the second account that XXXX credit has attempted to say I own. I fought the last one in court, and it was dismissed with prejudice.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (MN)

I have been waiting for the past month and a half for my consumer report from LEXIS NEXIS. There is information on my consumer report that I want to go over and dispute. I received a letter from LEXIS NEXIS after my online request, that they were unable to identify me. I am requesting my full consumer report from LEXIS NEXIS. I have reason to believe there is information on there from LEXIS NEXIS that is damaging my reputation.
Consumer complaint received 2022-01-20
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: Resurgent Capital Services L.P. (FL)

XX/XX/2022, I pulled my Credit Report and I noticed that inaccurate information was reported by LVNV Funding, LLC. I had no prior knowledge of this alleged debt and I have never given LVNV Funding, LLC and other companies who are associated with them such as Resurgent Acquisition and XXXX XXXX XXXX XXXX my personal and private information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). I have never been in contact with LVNN Funding, LLC. No information was validated with me as the consumer pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ( 5 ). LVNV Funding, LLC is a third-party debt collector. LVNV Funding, LLC has furnished information on my consumer report without my knowledge and permission. I have sent LVNV Funding, LLC and all associated parties such as Resurgent Acquisition, LLC and XXXX XXXX XXXX a letter has been mailed and delivered Reference ID : XXXX TRACKING ID : XXXX, XXXX, XXXX, XXXX. All documents have been mailed, delivered, received.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One was repeatedly sending me credit card applications by mail. I finally called them about what they had to offer. After calling for information, I notice that they have hit my credit report with a hard inquiry!! I NEVER AUTHORIZED THEM TO RUN A HARD INQUIRY ON MY CREDIT REPORT. I have called them several times to no avail. They just keep stonewalling me with the " too bad, so sad '' routine. 
I have read reports online of them doing that to many, many other people. Why does n't some government agency put them on the red carpet and make them stop? 

Thanks so much for your help in getting this hard inquiry removed from my credit report.
Consumer complaint received 2016-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (FL)

Have made numerous attempts to contact collection agency to resolve my debt. Today is XXXX/XXXX/16 and I was promised a call back 3 weeks ago from the girl that is handling my account.
Consumer complaint received 2022-07-19
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: JPMORGAN CHASE & CO. (MD)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-06-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Hello, Infiniti financial is one of the most chaotic and most unprofessional financial services company Ive ever did business with. Unfair business practices and no regards for the customer. 

I had applied for Covid-19 program for assistance in XXXX. It was approved rather quick and back then everything was fine. They never fully and clearly communicated to me that to apply for an extension there is a 30 day waiting period. 

This means that when I applied I was technically already delinquent in their system. Multiple rounds of calls and I find out the extension wasnt even filled to begin with. Now Im 40 something days past due in their system. Not because I dont want to pay but because they messed up and they will not stop the clock on me. They keep it running. 

XX/XX/XXXX I finally get confirmation its filled but needs to wait 30 days. By this time Im already 30 days past due. Meaning by the time they apply anything ( if they do ) Ill be 60 days or more past due. 

Escalated to management who still have no empathy or compassion for their customers. Super hard to get a hold of them. And they resolve nothing. They wont call you back and when you try to call them back or course they are never available. 

So where does this leave me. In a space where Ive fallen behind and cant ever catch up because they will not help and continue to fully enforce policy 1000 % strong. 

I did everything required of me. I agreed to terms and conditions I asked for it and they messed up and kept lying to my face saying its filled when it wasnt. I filled out a second agreement. 

I was harassed multiple times by them and for what? Asking for assistance? 

So now I have a state consumer protection compliant against them. I have a XXXX   compliant against them. Im filing this compliant against them and will keep pushing relentlessly back at them for unfair hostile treatment of a consumer just looking for help. 

They do not honor their assistance programs. And they pull fast trickery over your eyes to make sure they put you in the worst place possible. This is unprofessional unethical and could very well be illegal. If it gets to the points these complaints go unanswered I will file a law suit as my last resort. And I wont stop until Infiniti financial stops these XXXX business practices and actually help their customers.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

This first progress credit card account on my Experian report was closed at my request on XX/XX/2015 with a XXXX balance. 3 months later the card company posts this account as closed at consumer request but shows a balance due. In 5years not once has this company sent me a statement showing the origin of this new charge. Ive requested through Experian in writing to inform the company to send me a summary of the charge since the contact information on Experians site is where I send my request in writing and I get no response. No phone contact is listed
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Ballybunion Enterprises, Inc (OH)

These people call, text, and e-mail me constantly. I 'm positive that they call from different numbers as no other places call me. The only time that I 've actually talked to them the guy demanded that I make a payment now.
Consumer complaint received 2024-03-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (WA)

On XX/XX/XXXX, I applied for an apartment at XXXX XXXX  in XXXX, WA. I put down a {$300.00} deposit to hold the apartment while my background check was being done. A few days later, I was told by XXXX that I was denied the apartment due to my credit and was told that I would get the deposit back " in a few days ''. 

XXXX XXXX : - {$300.00}. 

On XX/XX/XXXX, after contacting XXXX about my deposit on multiple occasions and getting nowhere, I contacted my bank to dispute the charge and the {$300.00} was returned to me. 

Current Balance : {$0.00} Approx. end of XXXX/beginning on XX/XX/XXXX, I received a check in the mail from XXXX for {$300.00}. 

Current Balance : + {$300.00} On XX/XX/XXXX, my bank reversed the initial charge and gave XXXX back the {$300.00} that was held in dispute. This should have zeroed out the account and no one owes any money to anyone. 

Current Balance : {$0.00} However, on XX/XX/XXXX, I was contacted by IQ Data International saying I still owed {$300.00} to XXXX. I responded to IQ Data via the internet and provided proof of my payment. IQ Data replied by a mailed letter stating that the debt was still valid and they " will not be conducting another investigation of the dispute. '' On XX/XX/XXXX, I disputed the debt with XXXX and provided the same information and proof that nothing was due. On XX/XX/XXXX, XXXX said the " debt was valid '' and refused to remove it from my account. 

I called IQ Data to attempt to settle the discrepancy but the person on the phone refused to listen to anything I said other than wanting me to pay for it. When I asked about the dispute, she told me it was another department. When I asked to be transferred, she hung up on me. I believe IQ Data is trying to fraudulently obtain money from me even though they know as well as I do that the debt was paid and never overdue. Their tactics are predatory and their letter stating they " will not be conducting another investigation '' even if I provided mountains of evidence and information should also be investigated in its own right.
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (IN)

I was on XXXX looking into my credit and applied for a loan I was referred to Lexington Law I declined the service but I had entered my account number and routing number when I was on the loan site but never was on Lexington Law site they called me several times I declined the service they texted me several times I replied stop as the text said if you wanted to not be texted again and about a week or two later they took {$26.00} out my account they never did any service for me and I never had even talked to anyone from there company I called them to get my money returned the lady was very rude and told me I owe them money and hung up on me when I told her I was reporting them for ripping people off
Consumer complaint received 2016-06-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc. (LA)

I went to a car dealer lot and got ripped off for XXXX the car and my down payment. I was in the process of buying a car back in 2011, and the dealer said he would shop around for a deal to finance the car. After having the car for XXXX I bought the car back to the dealer and at that time he said I have some one who will do the deal. I said never mind, and can I have my XXXX dollars back. OK, the deal is off. Canceled It.He said come back tomorrow and pick up the check for the down payment. I went back the next day and he was gone, I mean gone!!. The company he got to finance me called and said that I was approved. I told them I did not want the car and wanted the money back, she told that they had already sent the dealer the money for the car, I said I did not have the car or my money. So they told it was a done deal and that there was nothing I could do but make the payments.. I said make the payments on a car I do hot have. I will not! THIS HAS BEEN ON MY CREDIT REPORT EVER SINCE!! Late payments for the last 6 years. I have not been able to get credit in the last 6 years because of this. The company is Mid-Atlantic Finance in Florida, this wrong to do to somebody. The dealer should be put in Jail and Mid Atlantic. The way to resolve this is to give me back my money for the down payment and remove it from my credit. I did not make XXXX payment on the car, because I NEVER HAD THE CAR, THE DEALER LEFT TOWN AND LEFT ME WITH THE BILL. He Took my money and the bank 's money.. This is not fair and they should spend time in JAIL ...!! With years of late payments on my credit report. I have not been able to purchase a car or anything because this has held up my credit!
Consumer complaint received 2024-03-08
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

My XXXX had XXXX XXXX XXXX completed back XXXX. I applied for an XXXX XXXX XXXX  Card and a XXXX XXXX XXXX Card, both managed by XXXX XXXX Bank XXXX No card or account number was directly issued for either XXXX XXXX of XXXX to me or my XXXX, payment and account XXXX went directly to the XXXX. 

Soon after she had her XXXX work completed, this XXXX went out of XXXX. I signed up for XXXX on XXXX for both XXXX, but received XXXX in XXXX from XXXX that I was late and a payment had not been made for either card. I fixed them as soon as I could. 

All I want to do is be able to log into my account XXXX for both cards and make payments, otherwise, I have to XXXX them, be XXXX, never be sent XXXX for either accounts despite BEGGING for my XXXX to be updated or to receive my account XXXX XXXX, so I can sign up for an account XXXX which apparently does not exist and they can not provide me over the phone. 

Anything I've EVER received from them when I HAVE received something from them, through either a XXXX account XXXX or the XXXX or XXXX statements I received from my XXXX address, were XXXX account XXXX containing only the XXXX XXXX numbers. How am I supposed to sign up for an account if it's issued as a XXXX card, only the XXXX  XXXX numbers are provided, but they do not issue this XXXX card directly to consumers for XXXX XXXX? I can't win here and it's SO FRUSTRATING.
Consumer complaint received 2022-01-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (AZ)

RE : CFPB COMPLAINT # XXXX AND XXXX LoanDepot responded to both these complaints with misinformation. I was told by their employees that when I was ready to come out of forbearance to call them before the end of the month I was coming out. Since I wanted to end it at the end of XXXX 2021, U called them on XX/XX/2021 and informed them that I was going to leave forbearance at the end of the month. They decided to make the date XX/XX/2021 instead of XX/XX/2021. Some of their documents use both dates. The other issue I have is that in their response they told me underwriting never reviewed my application due to their oversight and now I will need to reapply with a new application. When I call and speak to their reps on the phone, I am told all I need are a few more documents ( bank statements and an HOA letter ). They told me I do not need a new application. Who am I to believe? It has been almost three months of inaction on their part and now this misinformation. No one knows what is going on. In their letters they say they are there to help in times of need, is this the kind of help they deliver to their customers in times of need??? I feel that their inaction and cover-ups need to be looked into. I know they are a large company but they need to do what they promised and help us through this crisis.
Consumer complaint received 2021-05-20
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. (LA)

TransUnion and XXXX  are still reporting unauthorized inquiries on my credit report, as I have requested that this information be removed from my credit report. I did not give consent to these companies to access my consumer file. I received letters in the mail describing the items to be factual record of file and verified as accurate and reporting correctly. Who Verified these items? they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( A consumer contract with my signature giving consent to those creditors to access my file to do a hard pull on my credit file ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information which I did not give consent to.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

Chase Auto is reporting lates on XX/XX/XXXX, XX/XX/XXXX. Due to XXXX, I have been going through some hardships, the majority financial. I have always been a punctual person and diligent about paying my due debt. However, in XXXX, I was really struggling. I tried to set up skip a payment with Chase and spoke to someone about it to see if we could skip a couple of payment. I was told that was not going to be an issue, however, recently checking my credit I noticed maybe the rep never set that up. This has seriously affected my credit, and this was not my error. I ask that Chase auto please remove the late notations from my credit file as a good will and for the mistake made.
Consumer complaint received 2015-09-01
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On Friday XXXX XXXX, 2015, I spoke to a representative name XXXX at Capital One Investing ( on-line ) about money I desperately needed to redraw from a Roth IRA. Long story short, XXXX verified all information and finally advised the funds would be available and transferred into my linked checking account today. I went on-line today to check status and transaction was for lessor amount discussed. But the big kicker is : THE TRANSACTION WAS CANCELLED. Capital One Investing said it was because of suspected fraud on my account. I suspect it was because of the type of racial discrimination that is subtle, but deliberate and artful today.