davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (OH)

I am currently leasing a XXXX XXXX through GM Financial and I am wanting to trade the vehicle in for another brand ( XXXX ). The salesperson at the XXXX XXXX XXXX dealership advised that I should be able to trade my vehicle to another non-GM dealership provided that the dealership is accepting of the purchase, which they are ( XXXX XXXX XXXX XXXX ). When the XXXX dealership contact GM financial to obtain a payoff/purchase price of the XXXX, they. XXXX, were advised that their dealership could not purchase my XXXX, and that I would have to sell it directly to a XXXX XXXX if I wanted trade the vehicle in. If I were to do this, then the purchase agreement with XXXX would increase by approx. {$3000.00}, which I feel is unfair and would harm me financially. Additionally, I've read through my GM Lease contract, and even reviewed it with XXXX from GM financial, who referred me to line item 23e in the agreement and advised that although it does not specifically state that I can not trade my vehicle in to a non-GM dealership, they are requiring it due to the pandemic and to ensure that Gm dealerships get to benefit from acquiring GM products instead of non-GM. The contract terms in item 23e only indicate that if I wanted to purchase the vehicle outright it would be from a dealership designated by GM. There is no language for the situation of trade ins. Again, the XXXX dealership that I leased the vehicle through is also contradicting what GM Financial is telling me. I believe that this practice, since it is not explicit in the contract terms, is unfair, deceptive, and harmful to me financially by causing me to spend an additional/excessive amount by not allowing me to trade my vehicle into another non-GM dealership.
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennyMac is extremely fraudulent and horrible and deliberately employs illegal and fraudulent practices : dualtracking, losing documents, changing contact persons and prolonging modification applications to get foreclosures and auctions. They also have a stupid " within 37 day policy '' to not accept short sale requests or any restorative actions from property owners.

PennyMac denied 3 offers to buy the property so that they could auction the property. We had a buyer who offered {$54000.00} over the payoff amount 1 week before the sale. They were also willing to cure the loan first then have enough time to get a loan for the property. We contacted PennyMac to obtain the loan payoff and amount to cure the arrears, PennyMac 's customer service manager XXXX XXXX said it would take 3-5 days to get this information although we pleaded that the auction date was 4 days away, he deliberately gave us incorrect auction administrator information and stalled the payment to cure the loan. 

The property was auctioned on XX/XX/19 but was not purchased so the property went back to the beneficiary ( bank ). PennyMac has caused us physical, emotional distress, and pain and suffering to my family. I am XXXX years old and XXXX. PennyMac received calls from our Congressman 's office as well as CFPB to stop the auction and allow the sale to proceed to which they stated that they could not and they DID NOT.
Consumer complaint received 2019-03-28
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: Midwest Recovery Systems (TX)

I received a notice on my credit report on XXXX pertaining to an unpaid loan in which I have never heard of. The agent did not identify themselves and did not validate the debt. The agent told me that I obtained a loan in XXXX or XXXX and never paid the loan. I have never heard of the loan and I have never received any notice of this alleged loan in over 6 years before it was placed on my credit. The agent told me to give him money for the loan and they would remove from my credit. He was not able to validate my address as I have lived in the same area for more than five years. He told me would send me a fraud confirmation letter would be sent to me to complete and send back to the agent. He then disconnected the call.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I placed a credit freeze on my Equifax account. My printout from then says : " A Security Freeze has been placed on your Equifax Credit File on XX/XX/XXXX. In order to ( i ) permanently remove the security freeze or XXXX ii ) authorize Equifax to release your credit file for a specific period of time, you must provide us with a 10 digit personal identification number ( PIN ). Your PIN is <my pin>. It is for your personal use only and should not be provided to anyone else, including potential creditors. '' I was on the understanding that a PIN would be required to unfreeze my account. Today, XX/XX/XXXX, I went into Equifax 's website, created a 'My Equifax XXXX account to manage this freeze, and then temporarily unfreeze it for a mortgage application. During this process they asked for my name, address, phone number, SSN, and email. They then sent a verification code to the email I provided. I was then able to temporarily unfreeze my credit file with them WITHOUT EVER ENTERING MY PIN. 

All of this information is effectively public domain at this point ( and in their original breach ), and the email I provided was not for verification purposes but entirely under my control to create this my equifax account. Anyone could have done so and unfrozen my credit file and commit fraud against me WITHOUT the PIN they promised would be required.
Consumer complaint received 2020-09-11
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (IL)

I went online land locked my card on XX/XX/2021 as I always do when Im not using it later that day I went to unlock it I couldnt log in saying my password was incorrect then the website kept saying its experiencing technical difficulties I spoke to a representative who told me she didnt know why my account was locked and I told her it wasnt locked because I didnt get an email she said I did again I didnt she then said shed send it over for review and it will be two business days so I get an email at XXXX telling me my account is permanently suspended due to me receiving a direct deposit not in my name? Mind you the only deposit I get is my stimulus check which Ive been a customer for the last 5 years and this is the second time they closed my account the first time is because my last name is XXXX XXXX XXXX under my employer and my account states XXXX XXXX however name address social security all is the same?? For 5 years these people are the worst I speak to 5 different people then ask them are my funds secure? They tell me they dont know? However the first XXXX this happened I spoke to someone who could tell me and not only tell me but got it resolved and my account back open before the letter I sent them probably even arrived then they tell me to call XXXX XXXX at XXXX @ XXXX as if she is bluebird company? I need my money my last two stimulus checks came to this same account with no problem just like my last direct deposits for 5 years was being deposited so they just give you the run around close your account then their website is down its all over the internet and its happening to everybody I stopped my employer deposits from this account once I get my money back this time Im completely done with bluebird forever
Consumer complaint received 2021-04-01
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: Experian Information Solutions Inc. (AZ)

I sent the company a certified letter asking to update my payment history accurately. The company never responded to me nor provided proof as they stated that they responded on XX/XX/21. I included their false response confirming the dates they received and responded also confirming their acknowledgement dates. In addition, they have violated responding to me within 30 days of receiving dispute. They have lied that they did as the address they sent other correspondence to is incorrect as well. You will notice on my certified letter I enclosed my proper address and still failed to respond to me. Also, in their previous response to my complaint, no document was provided for the date they speak off on XX/XX/21.
Consumer complaint received 2020-06-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

On XX/XX/XXXX I received a document from XXXX XXXX XXXX XXXX XXXX, stating that its XX/XX/XXXX inspection of the apartment unit I was renting at XXXX XXXX XXXX, # XXXX, XXXX, Ca XXXX was in " OK '' condition. I had lived there since XX/XX/XXXX. 

On XX/XX/XXXX I provided XXXX XXXX XXXX XXXX XXXX with a letter of intent to move ( See accompanying letter ) in said letter I informed XXXX XXXX XXXX with authorization to keep security deposit and use it towards rents owed for the previous months rent, and that that would mean that I would owe a remaining balance of only {$80.00}. 

XXXX XXXX XXXX XXXX XXXX, accepted the security Deposit and added {$140.00} for a so-called deep cleaning of the very same apartment unit XXXX XXXX XXXX had just document was " OK '' and prior to that had always found my previous apartment unit as in good condition. I took a video and it is evidence of the apartment being in good condition. 

XXXX XXXX XXXX hired a debt collector who sent me a letter demanding {$220.00} and not what I really owe. There was only normal wear and tear which bars landlords from demanding payment for normal wear and tear.
Consumer complaint received 2021-04-01
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. (NY)

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

XXXX. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

XXXX. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

XXXX bank XXXX {$0.00} I never opened this account 4. XXXX XXXX XXXX {$0.00} I never opened this account 5. XXXX XXXX XXXX  This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late. 

6. LVNV funding Balance {$460.00} They claimed this account was collections for XXXX XXXXXXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.
Consumer complaint received 2020-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The vehicle was repressed and now I have the inaccurate Debt amount showing up on my credit report. XXXX XXXX XXXX have knowingly reported inaccurate amount due to the credit bureaus. I also had XXXX XXXX coverage on the vehicle paid off. Once a vehicle is repossessed and sold at Auction dont I suppose to receive partial reimbursement for XXXX XXXX. XXXX XXXX XXXX also has a address listed that I have NEVER LIVED before in my life. I think I could possibly be a victim of identity theft if XXXX XXXX XXXX  have been sending my mail to this address. ALSO XXXX IS REPORTING THE DATE LAST ACTIVE is reported inaccurately to the credit bureaus.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I presented to XXXX XXXX XXXX XXXXl where Chase advertised that Chase card members who use their Chase card tonpay would receive 20 percent off of concessions. There was no asterisk directing me to fine print or disclosures on the menu board. I found out after the purchase when an employee told me. I am visuly impaired. I rwmoved my eyeglasses and found in the smallest font using a very thin font not bolded language that said " exclusions apply '' but did not say what the excluaions were. The next sentence said alcohol excluded. I didnt puchase alcohol. There are no refunds. 

Under New York State law, I am entitled to triple my damages of {$58.00} or {$170.00}. Under New York City Ordinance, I am entitled to {$500.00}. This is in addition to any Federal penalties. Respondent should take under advisement that complainant is an employee of the pharmaceutical industry and very familliar with regulations governing use of fine print and making said fine print accessible to visually impaired external stakeholders.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, 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. (TX)

I have recently reviewed my consumer report and there are several inquiries that I have not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 Section 602 A I have the right to privacy 15 USC 1681 Section 604 A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report.

15 USC 1681 et SEQ I have also filed a police report for fraudulent inquires and they are list on the report see attached documents
Consumer complaint received 2023-03-22
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: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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 reports... no consent is fraud. Please delete the account below from my report : JPMCB CARD XXXX Date Opened : XX/XX/2017 Balance : {$7000.00}
Consumer complaint received 2021-04-01
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: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

XXXX. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

XXXX. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

XXXX bank XXXX {$0.00} I never opened this account 4. XXXX XXXX XXXX {$0.00} I never opened this account 5. XXXX XXXX XXXX This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late. 

XXXX. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion continuously reporting a balance increase and reporting a incorrect balance of {$18000.00} for my XXXX XXXX XXXX XXXX each month. I disputed this twice with no update.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a fraudulent inquiry on my credit file that I did not initiate or authorize with XXXX XXXX  XXXX. I do not have any personal credit cards with XXXX XXXX XXXXXXXX. I dont have any personal accounts with XXXX XXXXXXXX XXXX XXXX I am requesting proof that I applied for an account with my written signature. If proof this can not be provided within 30 days I need this unauthorized inquiry removed from My credit file. This is a violation of the fair credit reporting act. It violates US code 1681b permissible purposes of consumer reports
Consumer complaint received 2020-06-07
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. (TN)

I have noticed unauthorized inquiries on my Transunion credit report. 
I have mailed dispute letters twice with an Ftc report attached and called twice to no help on these unauthorized inquiries.
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The account list below violated my ferally protected Consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : XXXX  XXXX, Date : XXXX XXXX Account : XXXX XXXX Date : XX/XX/2022 Account XXXX XXXX XXXX Date : XX/XX/2022 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency furnishes an 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 or any other adverse item of information, other than records of convictions of crimes which antedates the reporting 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 information is inaccurate.
Consumer complaint received 2022-12-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (CA)

The school promised me grants, scholarships, and Military grants for tuition. I did not receive these promised Financial benefits in the end. It is to my understanding that a XXXX XXXX is awarded to students who are in dire financial need and need extra money to cover education cost. The semester XX/XX/XXXX, prior to being dismissed, my tuition cost were covered with the financial aid I was awarded. Upon a records check in XXXX, and it became known to me that I had an outstanding loan of {$300.00} by way of a XXXX XXXX from XXXX XXXX XXXX XXXX XXXX also known as XXXX. The school sent me a master promissory note with a signature that is not mine. The signature on the master promissory note contains a mixture of numbers and letters. For the record, the digital signature is not mine nor have I used one to sign any of my master promissory notes. It is also to my understanding that the document more over the promissory note must be an exact copy of the original. The master promissory note the school sent had an address where I currently live, when I attended the school I did not live in XXXX. The original document would have the address on it where I lived at the time the master promissory note was signed. 
I did not need the money for tuition. I did not request the money nor did I receive the {$300.00} back in the form of a student refund nor was it applied to my tuition cost. 
I have made several written formal request ( to the school demanding the removal of this loan from my credit and that the XXXX loan is mine. I've explained to them that I did not apply for it nor did I need it, however I have not been able to come to a meeting of the minds with the school or loan servicer XXXX. Again the money was returned to the school I never seen it. 
The documents that I have attached to this complaint should explain moreover detail the fact that I have presented in the complaint. Both of the attachments I have below labeled ( XXXX. itemized statement XXXX XXXX loan XXXX XXXX ) show that I received a refund approximately {$800.00} ( XXXX ) = {$1600.00}, therefore the financial need that required me to request this XXXX XXXX is not valid. My tuition & book cost were covered as shown on the attachments I've referenced to above. 
Again, the need was not present and I did not request it nor did I want it. Moreover, proof is within my attachments showing that this was paid. It is a fact, most of the XXXX Loans have been discharged many years ago. For some reason the school decided to reverse the payments and add it back to my account. The proof of this is in the attachment, XXXX.