davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MT)

VENMO froze my account without notice for no apparent reason. All my accounts are in good standing. I provided requested information regarding my identity to VENMO, contacted VENMO and attempted to use service to complete a transaction and account remains frozen. VENMO provides no service to consumers except chatbots and an automated phone service. All notices from this company are sent from a no reply email. This company has access to my bank account and credit cards. They have no in-person assistance for consumers and now refuse to close my account, also with no explanation. Every email they send me is NO REPLY and there is no known way to contact anyone to resolve this issue. I no longer want to use this service, I just want to close my account and have my banking information no longer available to this company. There is no way to get a response from the company in regards to any of these issues, no email, nothing other than automated phone system and chatbot. I want to close this account as this company has unfettered access to my financial information and zero accountability.
Consumer complaint received 2023-12-28
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX The following personal information is incorrect
Consumer complaint received 2023-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX - XXXX Please start a re-investigation and prove that this account actually belongs to me. 

XXXX - XXXX I was never late on this account- Please check the status on this account XXXX XXXX - XXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX - XXXX I was never late on this account- Please check the status on this account XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX - 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 The following personal information is incorrect XXXX XXXX The following personal information is incorrect
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (WI)

I canceled my XXXX XXXX, XXXX service in XX/XX/2018. XXXX XXXX was unable to provide me service for over 2 weeks prior to cancellation. All bills including the bill through XXXX were paid in full and on time. XXXX, XXXX XXXX, billed me for a service period extending to late XX/XX/2018 XXXX {$200.00} ) which I did not pay. I made numerous calls to XXXX to resolve the billing error, the result each time ( after extended review ) was that I did not owe this bill and was due a refund for the period of non-service in XXXX. These calls went all the way to the Presidents office, always the correction was being processed and could take 60 days to clear their error. 4 months ago a collection company contacted me and again I reviewed the error. 2 months ago a second collection company contacted me and I again reviewed the error and was told they would correct the problem. 10 days later I was contacted again by the same agency that claimed no knowledge of the previous discussion. They were aggressive, I told them that I had made numerous attempts to correct the company 's error and not to contact me again. Now they have filed a collection on my credit report.
Consumer complaint received 2022-08-11
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)

Firstly and which is probably the biggest problem here is that customer service by phone with Experian is a total joke. They have you answer heaps of questions on identity and all of their listed phone numbers put you through the same dysfunction. I tried to address this by mail and they sent back this completely bogus letter about my SS # being inaccurate, I tried numerous times by phone to clear this up and got the same circular loop of " do you want to order a report or put a fraud alert? '' No matter how you answer its impossible to get anyone on the phone and for a company as large as Experian is this is simply just deplorable. Secondly there is still inaccurate information in regards to my XXXX student loan. I am including a copy of my XXXX report from today and XXXX is reporting the same ; that there are no longer any late payment on the account. I have checked Experian everyday now and not only are there late payments it also says last updated XX/XX/XXXX. I have called XXXX to check and they verified that my account has already been reported at the end of XXXX, so I dont really understand how it could take 2 weeks for Experian to post this update. I feel this is also improper use of my credit report. 
You will notice on the XXXX report shows that DEFERRED has been entered on the Terms Frequency and Account Status says PAYS_AS_AGREED.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. I do not understand why they are abusing consumers XXXXThis 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-12-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (AZ)

Good morning, I am reaching due to a letter I sent to Bridgecrest Financial regarding my registered security. I sent them a proper endorsement along with written instructions to go along with it. With those instructions I made sure to let them know I would be revoking the security interest in my title. I also revoked any rights to XXXX  my gift ( the car ). Lastly, I come in good faith requesting a clean perfected title free of defects ; since with my proper endorsement now both parties have value of consideration. I will be attaching the letter I sent them as well.
Consumer complaint received 2019-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

On XX/XX/2019, I called GM Financial and spoke with a representative named XXXX, to discuss how to XXXX out my XX/XX/2019 bill. She put me on a brief hold to do some research on my bill. She also told me to pay {$570.00}, of which I immediately did. After I paid the amount in full of {$570.00}, with my visa debit card, XXXX then told me that I was fine until XX/XX/2019. On XX/XX/19 I received a bill for {$570.00}, although the car payment is {$460.00}. I then called GM financial and spoke with XXXX a servicing specialist and XXXX a supervisor regarding the issue. I asked if I could hear the recorded call from when I spoke to the representative XXXX on XX/XX/19 to verify the amount the representative quoted me of {$570.00}, in addition to her stating that my bill was paid in full to XXXX out my balance and I was fine until XX/XX/19,  after paying the amount quoted. I was told by both representatives that calls could not be recorded in PA. I then asked about the notes the representative took during our call, and was informed that she did not take any notes regrading to the matter. XXXX, supervisor at GM Financial refused to further the investigation, although he finally took notes after I spoke with him with frustrated ; he also refused to speak with the representative XXXX regarding the matter, although I questioned about it. XXXX was very arrogant and stated that I was 17 days in rears of funds owed and refused to adjust the amount of {$100.00} which is claimed owed. I called to get my payments on track with GM Financial and XXXX out my account ; I feel deceived and violated as a customer
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

On my credit report in XXXX the company began reporting my account as delinquent and placed it in collections/ charge off. In XXXX after consistently reporting my account as a charge off collection, they began reporting the account as open and late XXXX  days. Since XXXX they have been reporting it monthly as a XXXX days late which continues to hurt the chances of my score rising and has had a greater impact on my score verses when they were reporting the collection/charge off. I have not consented to any payments or provided any payments since XXXX and have had no contact with them or any representatives of theirs. Nonetheless they have began reporting as if I became delinquent at a later date, which has not only significantly impacted my score monthly but has also lead to the statue of limitations to be extended by XXXX years. This account was suppose to be deleted in XXXX and is now scheduled for deflection in XXXX. Thats almost XXXX years past the start of the loan and the last actual payment made towards the loan. I have disputed but continue to be denied although I have prof of the account showing collections and chafed off during the years XXXX, & XXXX.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

In early XXXX I opened a joint account with my wife with XXXX  ( sub of Webster Bank ). After opening the account, I registered for online banking, and immediately connected a few of our other accounts so we could make ACH transfers of money into our XXXX XXXX account. 

The bank did all the verification, and I had an external account connected. The said external account is in my wifes name, who is also on the account of our XXXX account. 

On XX/XX/XXXX, I transferred {$120000.00} from my wifes XXXX XXXX account into my account. XXXX initiated the transfer, pulled it from XXXX and since that date the money is frozen with XXXX. 

They indicate because the accounts dont match they can not release the funds. If that is the case, I asked them to send it back to XXXX XXXX so its in my wifes account. 

This has been going on for a month now and I still dont have access to my money. 

Considering we opened a joint account, and the money comes from one of our accounts Im not sure why this is so hard. With that said, if the bank has a policy both our names have to be on all accounts that send money, then that is fine but then simply reject the transfer and send it back to my wifes bank account. 

This shouldnt be so hard.
Consumer complaint received 2022-08-12
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)

Hi I am submitting this 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 n 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-11
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: CITIBANK, N.A. (TX)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXXXXXX XXXX CBNA/XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX Re : Unauthorized Credit Inquiry To Whom it May Concern : I recently obtained a copy of my credit report from my credit monitoring company, and it reflects two hard inquiries on my XXXX XXXX  credit report . I have researched these with the reporting bureaus, and they are not linked to any open accounts that I have currently open nor in the past. They have stated that I need to dispute directly with our company. 
These inquiries were processed without my knowledge and were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
XX/XX/2022 CBNAXXXX XXXX XXXX  XXXX XXXX TN XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via CFPB website as it not only requires your prompt attention but reflects the attempts that I have made to resolve this issue. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I am requesting that you provide me with the original documentation showing identification used and authorized signatures within the 30 days as required by the FCRA. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX of SS # - XXXX
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

After paying mortgage insurance premiums for 6 months on my mortgage loan, I contacted United Wholesale Mortgage on XX/XX/21 and asked them to remove the mortgage insurance. The purchase price for my home was $ XXXX. The home, at the time, was worth $ XXXX $ XXXX. I provided my mortgage statement, an XXXX, and showed that I could make the payments for 6 months. UWM refused to remove the mortgage insurance on XX/XX/21. They said that I needed to prove that I had done enough work to the house to merit what was already plain as day : that the LTV  should not be based on the purchase price. I should mention that the XXXX that I provided was obtained directly from their website. OR that I needed to wait to " season '' my home 2 years before they would consider *charging me for an appraisal* in order to get my PMI removed OR I could pay {$36000.00} off on my loan to get the fraudulent LTV adjusted XXXX 
The point of mortgage insurance, I thought, was to protect the lender from losing money on the home if I failed to make payments. I proved beyond a shadow of a doubt that in the event that my mortgage foreclosed, UWM would *profit*. I wrote back to them on XX/XX/21 stating again that the equity in the home more than covered any risk involved. UWM wrote me back on XX/XX/21 stating that " We must adhere to investor guidelines as it relates to the removal of PMI. '' UWM also completely botched up my escrow account, first telling me I had an overage and sending me a check for the excess, then raising my mortgage by almost {$500.00} per month after they realized that they do not know how to do math or properly account for property taxes. California property taxes are always reassessed when a person purchases a home. The property tax rate is based on a percentage of the assessed value ( which, by the way, is assessed at over $ XXXX so, again, the PMI is unnecessary ). Yet UWM completely failed to account for this ( obvious ) fact and set up my escrow account with the previous owners ' property tax bill.
Consumer complaint received 2022-08-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP (AL)

In XXXX got a loan for a vehicle with, AMERICAN HONDA FINANCE XXXX. After about 34 weeks or so, should have gotten a 1099a from them. That did not happen. It is a consumers right to also fill out a 1099a for abandoned property, as a lender! Because this corporation borrowed from my XXXX XXXX XXXX using my social security number to do it! They tried intercepting my ability to grab remedy from Treasury and not zeroing out the account # XXXX. So they can continue to embezzle and not reporting those stolen funds as income! I filed it with the US Treasury to pay off my balance using my XXXX XXXX XXXX XXXX, and now their obligated to file a 1099-OID, form to receive the funds from from the U.S. Treasury XXXX Failure to do so will result in a corporate violation of my rights per HJR 192 Of XXXX and 15 USC 1692 A-K. Because their double dipping! This is illegal and unlawful act by their corporation and is a lienable offense in the amount of {>= $1,000,000} in which the U.S. Treasury will be contacted with me to collect on my behalf. Since, their is no answer back or return of my negotiable instrument for my statement for XX/XX/XXXX. In the amount of XXXX! My 1099a was accepted and approved by the Treasury! They never sent me a copy of the 1099a when they claim my abandoned property, for the XXXX HONDA XXXX! Yet, they received one from me priority mail and certified mail! That is because they were already prepaid! Which they did not report these stolen funds as income, This! 099a I filed with have to be added on my taxes as income, at the first of the year! The 1099-A is an informational return. Can't pay them anymore, for something already paid! This is getting paid twice, aka double dipping!