davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc. (CA)

On XX/XX/2019 I returned my lease to GM Financial Leasing. On XX/XX/2019 I received the first bill for excess wear and tear of {$1700.00}. I immediately contacted XXXX XXXX, I purchased a policy with them for excess wear and tear a the beginning of the lease. XXXX requested a lot of documentation that GM did not provide me with and when I would request documents they would transfer me back and forward from representative to representative. Finally when I was able to get a hold of someone that could help they would tell me that it would take 15-30 days for me to get the documents. I explained many times that I was working with XXXX to get the bill payed and they needed the information. On XX/XX/XXXX I called GM to request information that I had previously requested that I never received, the representative told me she would put my account on hold while all the information was being gathered. My understanding is that if my account on hold is that they wouldn't report it as a late payment knowing that GM is making it extremely difficult to close the process because they were not proving all the information I needed to submit to the insurance. GM Financial lease NEVER sent me other bills other than the one I received in XX/XX/XXXX nor did they send any correspondence saying the payment was late and action was going to be taken.

GM reported this as a late payment to my credit score. After many phone calls to GM and basically begging them to provide the information the claim was payed by XXXX in XX/XX/2019. GM financial records the phone conversations, they can go back and see how difficult they made this process and their customer service representatives lack of care
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX ( Finance ) - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-10-22
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. (UT)

XXXX # XXXX is reporting a collection on my account that I should not have, I never received a 30 day right to dispute for this collection and furthermore when I did find out about it I then went and paid it but it is still reporting a balance. This is paid and I never got a notice about it before it went to collection.
Consumer complaint received 2019-05-20
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. (OH)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ XXXX XXXX XXXX, reported balance {$1100.00} ] Dates associated with item being disputed : [ XX/XX/XXXX ( 3 years, 9 months ] Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. I stopedstoped using XXXX in XX/XX/XXXX as I didn't have any contract at a time, as I also was travellingtravelling XXXX to stay with my for awhile I stayed there for 3 years before I returned back in the states. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-22
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)

In Reviewing my credit report, I discovered that my file fails to include information that I know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (ME)

Sychrony Bank closed my Amazon account in XXXX of XXXX yet continued to process fees and reported to the credit bureaus as if this was an active account in continued delinquent status. This company went so far as to list the balance as a profit and loss yet never adjusted the amount to XXXX owed. This continually reflects an over the limit circumstance that is crippling my credit score. 
Sometime between XXXX of XXXX and XXXX of XXXX, Sychrony Bank hired XXXX XXXX XXXX to apply their algorithm- based computer system to attempt debt collection. My account was pinpointed as an account that could yield capital and in XXXX, XXXX I was served with notification that I am being sued by Sychrony Bank through the XXXX XXXX XXXX XXXX of XXXX, Maine for the exact amount they claimed as a loss on their taxes. It also needs to be mentioned that in XXXX/XXXX ( I believe ), Sychrony Bank reviewed my credit and although I was in continued good standing and current with this account, they chose to lower my credit limit to what I owed ( XXXX ), making this a 100 % use of credit that dropped my score. Subsequent over-limit fees were assessed for annual fees that would not have been should they have not punished me for having a late payment on an account that was not theirs.
Consumer complaint received 2019-10-22
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

On XXXX I received a letter from Champion Mortgage Company stating that they had to make payments for delinquent taxes in my behalf. 

The taxes are NOT delinquent as they are due by XXXX XXXX XXXX XXXX I called the mortgage company to discuss the problem and they stated a third party company advises them when a customer has unpaid tax payments and based on that only they say they sent payments. 

XX/XX/XXXX I called both the local and county tax offices and both said in no way am I delinquent as they aren't due until XXXX. 

XX/XX/XXXX I called the mortgage company back to tell them I spoke to the tax offices and they were unhelpful and continued to repeat the same things that i was delinquent. 

They advised me to pay them back or face possible foreclosure. They also charged me fees because I was supposedly delinquent. 

They said they paid a total of {$2400.00} As of XX/XX/XXXX neither the county or township have received payments from Champion.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (OH)

XXXX has claimed to contact me but unable to reach me therefore has violated my right furthermore by continuing to furnish information against me without my consent, knowledge, or written instructions. XXXX has violated my right to privacy furthermore by send forth my complaint without my permission. XXXX claims to have requested deletion of the account from my credit report from all 3 credit bureaus but has failed to provide valid proof. According to my rights and the law Once something has been deleted from my file it can not be added back. XXXX has stated that i am misinterpreting the law however Ive been studying all laws for over 3 years now. I am assure of my rights and how the law works. I am assure of how the law is enforced and whatll happen if ppl fail to comply. XXXX has stated they have contacted me in attempt to collect a debt a do not owe but was unable to reach me. However according to my rights a debt collector must not state they are in the debt collection business or not contact a consumer without prior consent. 

XXXX XXXX XXXX is attempting to collect a debt i do not owe. Ive never used this company or know anyone who has. They have violated my rights as well ; collecting information about me ( the consumer ) violating my right to privacy and furnishing information without my written instructions and consent. I now demand they stop immediately. 

Experian has violated my rights by furnishing this account and i demand it now be deleted immediately especially with XXXX  stating they have requested a deletion as well. This is not my debt. 

According to 15 U.S.C section 602 A states i have the right to privacy.

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent. 

15 U.S.C 1692c States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section also 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
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Great American Finance Co (CA)

I opened an account with great American finance company XX/XX/2013. Under the contract if balance was paid within one year there would be no interest charged. I paid the the account in full on the last day of the yr term. I later received notice from the company that they did not process the payment until the following day, and stated that because of this the finance charges were added to the account balance. I have attempted to dispute these charges with the company and their response has been that they are unsure of why the payment was not posted on the day I submitted it, ( which would have resulted in no finance charges ) they attribute it to a system error, yet failed to fix the issue and zero out the account. This account should not be reported on my credit report as a negative account because I paid in full according to the terms.
Consumer complaint received 2022-12-13
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: Sunbit, Inc. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-04-27
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. (TX)

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Experian credit system will NOT unfreeze my account although it says it is online. I cant get a XXXX acct because of this for months. After trying for months Experian DOES NOT have a way to get out of their support tree and talk to a representative to fix this problem. Im stuck and frustrated by this companies lack of support. How can I get help?????
Consumer complaint received 2019-10-22
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. (CA)

On 3 occasions I have requested that Experian verify the accuracy of the information that they were reporting for XXXX XXXX XXXX XXXX. They stated that the information was accurate. 

I asked them to re-investigate the accuracy of the information because it was not accurate. They stated that they would not re-investigate the information unless I had additional relevant information. 

It obvious to me that the furnisher of the data for this item is not doing a good job at providing accurate information to them. I should not have to clean up their mess This account was charged off and sold to a XXXX  XXXX XXXX XXXX collection agency. They claimed that you verified this account as accurate. They did not do a good job of verifying this information. I have attached a copy of a letter from XXXX XXXX XXXX XXXX referencing this account. 

Why does it have a balance after being sold to a collection agency? It should have a XXXX balance and past due balance. Additionally, It should show to who the account was transferred. See the 2 examples of how the account should be reported.
Consumer complaint received 2022-04-27
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-05
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. (AZ)

My name is XXXX XXXX XXXX, I am writing this for myself on behalf of myself, any authorization you say you need consider it given. 

These incorrect accounts are still on my credit report, Violation of FCRA privacy to send out index cards.. 

I feel like you people at the CFPB arent doing your job, and or dont understand THE LAW. Your supposed to oversee these companies that violate my rights and protect me against them, and your not! Ive sent multiple complaints about this Same issue! Complaint ID : XXXX, I sent a whole 5 paragraph essay of how this company violated my rights, and you did nothing to follow through or investigate! 

Ill say it again.. 
No consent is considered identity theft, I didnt give anyone at XXXX XXXX XXXX or any other company permission to disclose my information, XXXX requesting proof of full disclosure agreement showing my signature giving permission for XXXX and these other companies to disclose my personal information with any 3rd party See attached, no consent is considered identity theft, transunion continues to let there robots respond to me and send me post cards which is another violation of my rights.. 

Im attaching another attempt for transunion to fix this issue.. 
maybe youll get a different response and not some robot
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (CA)

Started getting letters from the debt collecting company for {$210.00} because I was supposed ly employed by a fake company called XXXX shipping last year where I was supposed to be shipping products to consumers through the United States Post office and also XXXX  now that I found out after 30 days of being employed was never paid for the position that I work for and I was cut off from all communication from fake company phone calls numbers website at the work but was never compensated now I'm coming to find out after almost a year that people are coming after me to pay for these packages that were sent out and never paid for through this fake company I was never paid I feel like it's unfair for me to have to pay out money to a company that is defrauding people through a legitimate website indeed where people are looking for work to support their families and pay their bills and this company is defrauding people setting up websites with these people and then making them work for 30 days with a promise of a check for the work and being cut off on that 30th day where you can not contact anyway this company is defrauding people besides myself and causing hardship to to honest people like myself and now are faced with debt collectors trying to collect money from us the people that was defrauded like we're criminals and the company is operating scaring good citizens of the United States there should be a law against people opening up companies and then scamming people employees out of their time and their money without any means to prove that this is all a mistake because I am the one that's the victim
Consumer complaint received 2022-04-27
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 — Was not notified of investigation status or results
Company: Spring Oaks Capital, LLC (NJ)

I sent a letter to Spring oaks XXXX  asking for : 1-validation of the debt-that is, the actual accounting.

2-Verification of a signed invoice 3-a copy of the Contract binding both parties, in a letter, by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B. 
not use any language or symbol on any envelop or on the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that communication relates to the collection of a debt,
Consumer complaint received 2019-03-22
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. (CA)

During the week of XX/XX/ 2019, I contacted the credit inquiry companies that had no authorization to inquire, with little success. 

In XX/XX/, 2019, I contacted credit reporting agencies to remove the unauthorized inquiries to no avail. No unauthorized inquiries were removed.
Consumer complaint received 2022-06-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

XXXX XXXX XXXX in XXXX, XXXX adding on a XXXX Commercial GAP insurance for {$850.00} and XXXX Vehicle Service Contract for {$3300.00} to customers invoices without asking if they would like to purchase these services or state that they are optional. They commingle the paperwork for these optional services with required paperwork for the vehicle purchase. There position is that they have all of the paperwork signed to support the services sold. I explained to them that if the obtained these signatures in an improper manner by not asking a customer if they would liked to purchase optional services, this is fraud. Additionally, the GAP waiver is a sham product that flew people would purchase if specifically asked. If in spirt, it was not presented as optional its cost needs to be disclosed in the APR of the federal truth in lending statement.