davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NJ)

Hi, On XX/XX/XXXX I've send a secure message through XXXX XXXX XXXX asking if they can help place my account on deferment. On XX/XX/XXXX they replied with an offer to help due to COVID19 and place my account payments to the back end of the loan which was big help, but only to find out later from an alert from XXXX  my account was marked 30 days past due and dropped my score -32 point, my credit was fair at the time and now puts to poor causing my other grantors reviewing my credit now and closing my account. 

I've called XXXX and for them to say they we behind on processing the deferments and would correct the problem but the person on the phone had computer issues but did say they know of the issue and would take action to correct. I said I've call back which I did today only to fin out nothing was done and told to write a dispute letter to them and they would investigate. I told them I'm not writing a letter to dispute an issue they caused and should fix the problem without having people in the same situation as me having to mail a letter with everything going on with this pandemic. 

The person I spoke with by the name of XXXX sent a complaint to their internal but again this will only fall on deaf ears, after all I'm little guy and no cares whether this is corrected or not. I have others who have also done the same thing like GM financial, marked 30 days with a drop of another -32 points. At this point I won't get a job. This only adds to my stress and anxiety.
Consumer complaint received 2023-01-31
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: JPMORGAN CHASE & CO. (MD)

I made 2 separate {$10000.00} charges to XXXX XXXX XXXX for legal services in XX/XX/XXXX and XX/XX/XXXX of XXXX. Following over 2 months of no communication from this office, in XXXX the attorney informed me they would no longer be able to provide the promised services and my retainer would be refunded. Another month passed and my refund was still not not issued, so I filed a dispute with Chase on XX/XX/XXXX. Chase acknowledged the dispute the next day and requested additional information on XX/XX/XXXX which I promptly provided by XX/XX/XXXX. In the meantime, XXXX XXXX XXXX called and bullied to threaten that if I did not drop the dispute, I would never get my retainer back. 

I then called Chase 3 times between XX/XX/XXXX and XX/XX/XXXX for updates as I had zero communication regarding my dispute following the XX/XX/XXXX notice. I was told that the dispute would be resolved by XX/XX/XXXX. 

I called again XX/XX/XXXX as I had still not received any notice of resolution after over 110 days. I was told over the phone that my dispute was denied and that the {$20000.00} will be reapplied to my credit card balance on the XXXX. I was told by one agent that the reason my dispute was denied was because I was issued a refund by the vendor ( which isn't true ) and another agent said that the vendor was able to provide proof of services ( impossible XXXX XXXX XXXX are the ones who ended the engagement before it began b/c XXXX XXXX lacked the necessary legal skill to take the case ). 

At this point I will be forced to pay chase {$20000.00} for services I never received and they have allowed XXXX XXXX XXXX to bully and steal money.
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (OR)

Flagstar is my mortgage lender and we have an escrow account with them. In XX/XX/XXXX, we received a letter from Flagstar saying they could not make an insurance payment for the period of XXXX XXXX through XXXX because our insurance lapsed in XX/XX/XXXX. That was first time we found out we didn't have insurance coverage for the entire year from XX/XX/XXXX through XX/XX/XXXX. 

I contacted XXXX XXXX and they told me XXXX 's insurance payment was not received so my insurance from XXXX XXXX through XXXX XXXX lapsed and reinstatement was not possible. However, I was able to purchase current insurance that would cover from XXXX XXXX to XXXX XXXX. 

According to Flagstar, they made an insurance payment back in XXXX and they confirmed the check was cleared but XXXX XXXX could not locate the payment. Flagstar contacted XXXX XXXX in XXXX to solve the matter but follow up did not happen which caused the cancellation of XXXX 's insurance coverage. 

On XX/XX/XXXX, we received a notice from Flagstar that they placed force- placed insurance for the lapsed period from XXXX XXXX through XXXX XXXX and asked us to pay the premium amount of {XXXX}. I don't know why we had to pay that much money for the period that was already in the past. And our normal insurance payment is around XXXX. 

I have been contacting both companies to solve the issue but they kept blaming each other and didn't want to take time to look into the matter. Is it even legal place to place backdated policy and ask us to pay the premium that was not due to our fault? If they have informed us in XXXX, we could have talked to insurance company or try to buy a new insurance. I am so glad that we didn't have any incident we had to file a claim during the period. As a borrower, we have been never late for payments and I believe escrow service should have performed due diligence with insurance to keep the insurance current. 

Do we still have to purchase insurance coverage for the period that was already passed? 

Please advise me and let me know if you need additional details Thank you so much for your time.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (FL)

I was recently scammed out of {$12000.00}. I was looking for a remote job where I could work flexible hours. I was contacted by someone who said they worked for XXXX XXXX. I was given the job after a remote interview through the XXXX app. I was told I would be sent a check to purchase the laptop, software, and other items I needed for the job. The check was being mailed to me so I could prove my trustworthiness to the company. I was sent a check for {$3800.00}, which I cashed on XX/XX/XXXX, at one of the Truist branch locations. There was never a hold placed on the check that I deposited, despite hardly ever depositing checks and never depositing a check of that amount before. I then sent the money via XXXX to one of their supposed vendors. I was then sent a second {$8900.00} check, which was again cashed on XX/XX/XXXX, at a Truist branch. Again there was never a hold placed on the money despite me never cashing any checks. I then sent the released funds via XXXX, XXXX, XXXX, and money orders I obtained from Truist and mailed them via XXXX. Then the checks came back as returned. It took me several phone calls even to be able to file a fraud claim. 

I have the names and information of the individuals I sent money. I have all of the chats that told me how to send the money from the checks. I even have two additional checks that I was sent. 

I received a letter on XX/XX/XXXX, stating that my fraud claim had been denied because I authorized the transactions. Yes, I authorized the transactions at the directions of the fraudsters. 

I received a letter on XX/XX/XXXX, stating that Truist is closing my account and have seven ( 7 ) days to make my account XXXX. If I do not, the money charged off will be reported to my credit. Truist has already taken over {$3000.00} from me to pay back the {$12000.00}, which meant that I could not pay my rent or my credit card bills. Now I am being told that because I will not be able to pay the {$9800.00} to bring my account up to XXXX, that {$9800.00} will be charged off, and the charge off will be reported to my credit. 

So not only was I victimized by the fraudsters, but now Truist is telling me that there is no way to get my {$12000.00} back, but they are also going to victimize me by reporting the charged-off amount to my credit report. 

I have been a customer of SunTrust for over a decade and have never felt like I did not matter. SunTrust was always there to help me through everything. After this merger with BB & T to Truist, the bank has gone downhill, and I will not be referring Truist to anyone.
Consumer complaint received 2023-01-06
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX* Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Experian is reporting 3 Closed and Paid in Full Accounts inaccurately. I have sent them requests to correct these accounts starting in XXXX of 2022, with a follow up in XX/XX/2022, then another follow up in XXXX of 2022. The time they responded they stated " verified by furnisher ''. However, this is not the furnisher 's error. It is how EXPERIAN is reporting the payment status. 

They are reporting a derogatory payment status on all three accounts : A payment status is to report the CURRENT PAYMENT STATUS. 

XXXX- its paid in full and closed- 1 ) they are reporting the payment status as " paid, was past due 180 days or more '' 2 ) They are reporting a two year history- that is OVER two years old and there is never 180 days late payment on there.

UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' AND REMOVE THE TWO YEAR HISTORY THAT IS OLDER THAN TWO YEARS. 

XXXX XXXX XXXX : its paid in full and closed- 1 ) they are reporting the payment status as " paid, was past due 120 days " UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' XXXX XXXX XXXX XXXXXXXX : its paid in full and closed- 1 ) they are reporting the payment status as " paid, was past due 180 days or more '' LOOK AT THE TWO YEAR HISTORY THERE ARE NO LATE PAYMENTS- UPDATE THE PAYMENT STATUS TO : " PAID AS AGREED '' THEY ARE IN VIOLATION OF MULTIPLE FCRA GUIDELINES. 

KEEP IN MIND I WILL NOT ACCEPT ANYTHING BUT ALL THREE ACCOUNTS BEING CORRECTED AND UPDATED TO SHOW THE CURRENT ACCURATE PAYMENT STATUS. 
THIS HAS DAMAGED MY CREDIT FOR OVER A YEAR NOW AND IF ALL THREE ACCOUNTS ARE NOT CORRECTED IMMEDIATELY, I WILL PURSUE LEGAL ACTION AGAINST EXPERIAN FOR THEIR DISREGARD FOR FEDERAL LAW. 

Ive included all certified letters, as well as all three accounts credit report with the inaccurate information highlighted.
Consumer complaint received 2023-01-06
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX 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 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 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 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 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 2023-01-06
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 — Problem with personal statement of dispute
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I previously disputed this with Prestige financial Services indicating that they are reporting this account inaccurately and without my permission on my consumer reports! Due to the FCRA AND FTC commission laws consumer reports must obtain accurate information and Prestige Financial services is not submitting accurate information to XXXX XXXX and XXXX. It is reporting that the account was included in a XXXX XXXX bankruptcy and it was not. Please REMOVE from all three credit bureaus due to the inaccuracies being reported!
Consumer complaint received 2023-01-06
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates is reporting an inaccurate collection account on my reports. Each credit bureau is alleging that I owe a balance more than what Portfolio Recovery Associates is alleging I owe which is in violation of the FCRA. If the credit bureaus are getting their information from the same place, how is it that they are reporting inaccurate information? I am requesting that this account is deleted from my reports at the simple fact that the credit bureaus are in violation of my rights as a consumer and the consumer law of reporting inaccurate information which is illegal.
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (NC)

Hi - We bought a home using a first lien mortgage ( XXXX yr fixed ) product and then refinanced it again from AIMLOAN. We have always used the online portal to pay the mortgage payments. To log into the online servicing portal, the website uses XXXX step authentication process ( first login and password, and second sends a XXXX digit passcode to email ) process to validate credentials. More than a month ago, the process broke down : After completing first stage, the portal stated that XXXX digit code has been sent but I stopped getting the code without which I am unable to login and make payments. I called and escalated and even communicated with their XXXX - XXXX but in vain. They have been giving run around and communicate sporadically but have not been helpful. Meanwhile I had to call their customer service and had to make payments after spending XXXX mins every time. The service and approach to customer complaints resolution has been awful. 

Can you please help resolve the issue and also make sure that other customers are not subjected to similar lapse in service? 

Your help is highly appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2019-07-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (CA)

i have been fooled by a shady financial institution, and they dont stop calling me, they are a financial institution that loaned my car and when i halted my payments, they towed my car, i have been paying my car for one year on a wrong social security number, that s why i stopped paying, but they were not correcting it even though i sent them the necessary documents such as copies of my ssn card and passport and my XXXX XXXX XXXX Card. i spent on lawyer to help me but they also gave him a hard time till he had to tell this company that he was going to call the police, i spent {$1200.00} on lawyer s fee and when they corrected it, i was reinbursing it but they said they do not do such reinbursement and they have told me that they already pulled my car, my concern is as follows : 1. if i applied for a bank loan or a job, can i put my name with a different social security number? it will not match or it will come out an error, right? 2. why didnt they want to correct it? 3. how did they manuever in having my name in a false ssn? 4. they run my correct ssn when i applied for the auto loan, so indeed they had the correct social security number, why did they input a different number? 5. this is a fraud transaction 6. they falsely destroyed my credit profile, 7. every single payment i made monthly, they never emailed or send in the mail an official receipt. 8.since this is a fraud transaction, i demand them to return all my car payments, including my downpayment and my lawyer 's fee. 9.they have a judgement conviction in New York with the Dept of Consumber Affairs handled by Ms. XXXX XXXX and XXXX XXXX , https :  XXXX, just wondering why no one can help me in this matter? i have filed complaints with XXXX, Dept of Social Affairs and Consumber Report to the FTC i will appreciate if i can be heard on this matter, i have tried so hard to communicate with the different government agencies for help including Dept of Social Oversight and this has been ongoing for 2 years now! please help me..
Consumer complaint received 2023-01-31
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. (GA)

I have Fraudulent Accounts on my credit reports for XXXX, XXXX, & Transunion I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 30 Days Past due amount {$840.00} Fraudulent Account : XXXX  XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$250.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$510.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$290.00} Fraudulent Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1600.00}