davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (IL)

I mailed in IRS forms XXXX, XXXX, and XXXX to GM Financial to discharge the debt of my 2018 XXXX XXXX on XX/XX/XXXX. I never recieved a title and called them to find out why. An agent said on XX/XX/XXXX that they had not recieved the forms so I emailed them. On XX/XX/XXXX I checked to see if the forms were recieved and an agent said yes they had them and my title would be in the mail that day. I should recieve the title in 10 to 15 business days. I called again on XX/XX/XXXX and an agent said that I still owed and she was not familiar with the forms. I asked if she could fiward the forms to their legal department and she said she walked them over there personally. After this call I continued to recieve calls for payment and I asked another agent if their legal department had a response for the forms sent in. The agent said that there was no legal department. And then another agent said that there was. So since I got the run around I said I would cease payments until I heard from the legal department about the documents sent in to discharge the debt. I also informed the agent that I would pay if my car ended up on the repossession list to avoid repossession and I was told that I was not on the list. Well, my car was repossessed on XX/XX/XXXX. On XX/XX/XXXX I called off work and found out everything that needed to be done to retrieve my car. I informed them of not being able to miss more than two days from work due to being on probation. And that I would need a third party to pick it up because I work way north and the car is way south. They told me what I needed to do to get the third party approved and they said I had to sign another letter stating I did not have legal representation to get my car released. I did these things and once they were done they said I could be the only person to pick up the car and I was forced to write another letter saying that I am obligated to pay this debt according to the contract and will pay it. I had to sign and date it or else the car would not be released. I feel like I just got extorted to pay a debt that was legally discharged before I signed and dated a paper that makes me responsible for a debt already discharged. I could not pay to release my car until this was done. So I did it and paid Friday XX/XX/XXXX. I scheduled an appointment to pick up the car Monday XX/XX/XXXX at XXXX and it was cancelled due to the release papers not being sent to them in a timely fashion. Today Monday XX/XX/XXXX I was informed by loss prevention that the release papers were just sent in this morning. Now I am forced to pick up my car tomorrow at XXXX and jeopardizing my job because I have to take off again to go get it. Even though I sent in everything they asked for to have a third party do it.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I sent letters to Portfolio Recovery Associates on XX/XX/21 and XX/XX/21, requesting viable evidence bearing my signature, stating that I am legally obligated to pay PRA and have received no response providing validation. It should be noted that all my personal accounts are listed under my given name ( " XXXX XXXX '' ), while the account in question is listed under " XXXX XXXX ''. 

The response letter sent by PRA, attached in a previous complaint, simply contains a bill. No documentation bearing my signature was included. As stated in my second letter, per an FTC letter by Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

I would like the account removed from all 3 credit reports ( XXXX, XXXX, and XXXX ). According to the Fair Credit Reporting Act, if a company can not verify within 30 days, the negative remark must be removed.
Consumer complaint received 2022-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NJ)

someone stolen my identity to obtain credit, fraudulent open accounts under my name to were open to obtain credit, fraud accounts are XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX XX/XX/XXXX {$980.00}, XXXX XXXX  XX/XX/XXXX {$610.00}, XXXX  XX/XX/XXXX {$6400.00}, XXXX XXXX XXXX XX/XX/XXXX {$540.00} and a XXXX credit card
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

In late XXXX I used my CashApp card to complete a transaction on XXXX XXXX XXXX website. The transaction was completed and CashApp deducted the funds for said transaction. However, they experience a technical error and they return the funds back to my account. I did not receive any notifications saying that any money was added into my account. Furthermore, I did not receive any notifications saying that the technical error happened or that the balance needed to be settled. 

Over 30 days later CashApp decided to now take the funds back out of my account to settle the balance. When Cashapp decided to deduct funds from my account to settle a technical error that they had it put me in a financial hardship. When I initially purchased the chairs, I had more than enough money to cover said chairs. Unfortunately, at this time I do not. 

It is to my understanding that the transaction was complete, and no further action needed to take place. The money was taken out, put back in, and then taken out again. I have made several calls to cash apps customer service where i was hung up on i had their scripted rebuttals recited back to me, and there was no regard for the financial hardship they created or the emotional distress that occurred. I also went as far as to request to speak with a supervisor, and i was told that they do not have any supervisors that are available to speak over the phone they can only communicate via e-mail. I was then contacted by a supervisor close to their closing time. Furthermore the communications that I did have with their supervisor just reiterated a timeline that I was already made aware of. No concessions were made, I had even gone as far as to request a partial reimbursement because the technical error did not occur on my account. 

Specifically speaking, an authorization charge that took place XX/XX/XXXX at the cost of {$640.00}. As of XX/XX/XXXX or XX/XX/XXXX the authorization charge was dropped and there was an update oh a XXXX XXXX charge for {$620.00}. After the charges were updated I am assuming that that is when the additional funds were added into my account, which again i was not privy to know where or when any type of funds were added because there was no notifications, there were no communications about such activity. now as of XX/XX/XXXX, cash app has decided to deduct money for a transaction that occurred over a month ago. I am frustrated because i do not have extra funding to cover their technical error. Furthermore that money was intended for my special needs son child care
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

I received a information from XXXX XXXX, that`s my social security number received a collection account. Account balance : XXXX $ From Southwest Credit System, and original creditor is : XXXX. 

My plan is form XXXX Since XXXX. 

I went on XXXX XXXX store, today ( XX/XX/XXXX ), They couldn`t find anything in my social security number, The Southwest representative said, the XXXX doesn`t have any information about this debt, but the Southwest have it. That`s crazy. 

The " unpaid '' bill was in XXXX. 

I`m trying to get the original bill from XXXX XXXX, but XXXX XXXX  doesn`t have the bill. The Southwest Company always said tha`ts will send to my address, but i never received anything about that. 

The other thing is, the Southwest representative said the original amount is XXXX ... So they are charging XXXX? 

I`m trying to loan a new car but my credit was not approved because this collection, where no body have the original bill. 

Just check the reviews from this company ... they do not have good behavior on the market.
Consumer complaint received 2023-04-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

XX/XX/XXXX I took out a {$2500.00} title loan, I was late making a payment back in XX/XX/XXXX they didn't give notice to repo my car they just took it, so I asked what I need to do they told me I needed to pay a fee so I paid fee went to store for them to tell me I had to make payment but couldn't get my car until Monday because it was Friday and I needed an appointment to get my car. I just made a payment last week for my XXXX payment but it's still showing I owe for XXXX they have erased all access to my documents but I was able to take a look at the interest rate because when I make my payments instead of my loan amount going down I owe more. I've been hearing bad things about title max I am a XXXX woman on a fixed income and most of my check has to go to title max or my car gets taken again. I feel I've been paid this loan off and it's unfair and something needs to be done about it.
Consumer complaint received 2022-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I lost my job due to the pandemic in XXXX. I started to struggle with the payments so I applied ( and was approved ) for a forbearance plan that paused my mortgage payments from XX/XX/2022 to XX/XX/2022. I was told the deferred balance would be due at the maturity date of my loan in about 30 years. XXXX came and Im still unemployed. I requested an extension on my forbearance and the agent told me on the phone my next payment would be due in XX/XX/2022. I had no reason to think any other action was required of me. Next I got a Credit Karma alert that I had been marked late on my mortgage. I immediately called my servicer and they told my my forbearance was over and all of the payments are due in XXXX lump sum. I would have never entered into this agreement if I was not misled ( twice ) by XXXX 's loss mitigation phone reps. I have no idea how this program would help anyone in a hardship. It's my mistake for not getting this in writing, but if you call your mortgage co and they tell you payments are paused till XXXX I have no reason to not believe them. The most recent rep ( XXXX ; the only XXXX who knew what he was talking about ) also informed me that the letter in the mail notifying me of my forbearance ending was also returned to them so I never received it. Not XXXX single phone call either.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC (PA)

On XX/XX/2022 I tried to purchase a dog through a reputable dog rescue shelter out of Ohio. Pictures were posted on their website and I messaged them telling them I applied for the dog. At this point I have never adopted a dog so I'm not aware of how it works. I did what they asked for application and then they asked for payment. I went through my XXXX app on my phone which is connected to Zelle as that is the form of payment they were asking for. I set Zelle up for this transaction because I have never used Zelle before. I sent over the {$300.00} they were asking for and never heard from them after that. When I reached out to the animal shelter on XXXX the same day they never responded to me until they got their account back from being hacked. 

I filed a police report and a dispute with XXXX on XX/XX/XXXX. XXXX stated that I would receive the {$300.00} within 10 business days because it was fraudulent activity and that they had 45 days to dispute it with Zelle. I never received my money to only receive a denial letter in the mail that XXXX denied my claim and I had to go through Zelle to file a dispute. 

I have been unable to get ahold of Zelle since then, until today after going to XXXX yesterday ( XXXX ) and them escalating my request. For that employee to tell me today that they will not refund my money because it was a SCAM and not FRAUD. Stating that all they can do is educate the customers on how to use Zelle so this doesn't happen again. XXXX will also not pay me back due to their policy with Zelle. 

I did not receive anything for the {$300.00} that I paid out and I'm not understanding how any of this is my fault and how I am suppose to know that the XXXX page would get hacked. XXXX is partnered with Zelle and they are doing nothing to help out their customers.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Noticed incorrect information on my credit report from XXXX XXXX XXXX. Tried disputing with all 3 credit agencies but information still hasnt been removed. I spoke with XXXX XXXX XXXX regarding all 5 accounts and provided documentation from my insurance company showing accounts paid in full prior to going into collections. Creditor verified payments received and information will be deleted from my credit reports. Accounts will be removed and reappear after some time, I also spoke with the original provider who stated they have no information on file for me with me having an outstanding balance. Whenever I try to upload my documents when disputing the information isnt being reviewed properly. I want the accounts removed from XXXX, XXXX and Experian.
Consumer complaint received 2020-10-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Paramount Recovery Systems, L.P. (TX)

For the last few weeks This company PARAMOUNT XXXX has masked there number so it can come up as private & told me to call number ( XXXX ) XXXX the person called me was named XXXX she has harrassed me, my parents & friends with threatening voicemails & calls ... I have no idea what this debt is
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This account with Capital One Auto Finance have been on my report for 10 / years. Per law the account can only stay on your report for 7 years after they 1st date of the account being open.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/20 I called Chase Business Services to see if there was a way to get my payoff lowered or reduce my payments/interest rate. I was told that it would adversely affect my credit score if I settled on a payoff less then the amount owed. I then asked if there would be any additional charges if I just paid the card off and the answer was no. So on XX/XX/20 the card was paid in full. I then received a bill on XX/XX/20 for {$73.00} as an interest charge on {$0.00}. I called Chase business service about this and they responded that the interest is a month behind. In this way of doing business how would the card ever get paid off? They will continue to charge interest on the interest each month even though the card is paid off.
Consumer complaint received 2020-09-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (VA)

I was financially impacted by COVID-19 and had trouble making mortgage payments. My mortgage servicer, Homepoint Financial, offered a forebearance and a subsequent HUD backed Partial Claim which deferred missed payments to the maturity of my mortgage.

Homepoint sent me the partial claim documents to get sign and get notarized. The first set of documents were inaccurate and included a former lien holder. The second set of documents were signed and notarized and sent back Homepoint. Homepoint rejected the documents because the notary seal was on the left side of the page instead of the right. Homepoint sent me a third set of documents and I returned those as well. Homepoint rejected these documents and stated the state of Indiana was crossed out without initialing by notary. As an attorney, I requested the notary to initial and he did. Homepoint will not provide customers copies of the mortgage documents they provided.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, I would like to report you a mortgage fraud. 
In 2013 Wells Fargo Home Mortgage supposed to mail me a {$2200.00} check with the remaining of my mortgage account balance ( mortgage account number XXXX ), but after some check delivery problems and several phone conversations they promised to deposit it to my new Wells Fargo refinanced mortgage account ( after refinancing, the new mortgage account number XXXX ). 
I've contacted the bank several times by phone to verify it. The bank employees could not provide any documents but every time insured me that everything is O.K. and money is in the right place.

Recently I've contacted the bank again and requested the proof that my money is deposited the right way.

Another bank employee emailed me a copy of the check telling that I got this money a long time ago.

This is not true. I have never deposited this check and my signature on the check was forged.

When I asked him who and when received my money, the bank representative could not give me this information.

I noticed that my signature was forged by somebody who saw my real signature and suspect that is bank employees who stole and cashed my check, and was deliberately hiding the information about it for several years.

I think there is or was an organized criminal group operating in the mortgage department who stole my money and making everything that I could not report it to the police in timely manner deliberately feeding me false information to postpone the investigation. As far I know this type of checks is not even possible to cash without depositing to the owner 's bank account. This is definitely Wells Fargo Home Mortgage fault.

Please open an investigation about this incident I recently learned about.

Please see the attached copy of the cashed check and let me know if you have any questions. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I initiated a wire transfer from my Citibank online account. The transfer supposed to withdraw funds from an external account and deposited into my Citibank account. Citibank took the funds from my external account, however, rejected the deposit. Now {$15000.00} have left my account and Citibank did not posted in my account. Citibank claims to have sent the money back to my account but the other bank can't see it. I have called several times and no one seems to help. By the way, you should look at Citibank USA XXXX account and see several complaints from other customers just like mine.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

NOTICE OF DISPUTE I've tried multiple times to resolve this with Equifax. Equifax has done nothing more than delay. They previously came back and said the accounts are verified. I am asking once again that Equifax provided me with documentation that I am LEGALLY OBLIGATED bound to to pay this alleged debt. Equifax has received identification information several times. Please be aware that this is resulting in financial hardship. Failing to respond in legal and lawful manner will result in additional actions. Failing to respond within 7 calendar days will be interpreted as your admission that this debt is invalid. Please authenticate and provide me proof that I am, '' LEGALLY OBLIGATED '' to pay this purported alleged debts. A simple answer of being " HAVE BEEN VERIFIED '' does not constitute an adequate legal or lawful response. Respectfully delete the following immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-10
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: CITIBANK, N.A. (PA)

In XX/XX/2021 I was challenging factual errors with proof. 
those agency was XXXX  XXXX XXXX after a few weeks they updated the accounts without putting the noted of dispute then I wrote some letters again in XX/XX/2021 and the result was that they did not accept the errors and I just said they wouldn't erase it This are the account im disputing in credit report Citi bank account # XXXX XXXX XXXX XXXX # XXXX This accounts has many error i send them proof and they didnt want to acepted & after that the fail to the notice of dispute.