davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

Upon the termination of my XXXX XXXX lease in XXXX of 2020 I received single bill for the residual close out monies owed. I called XXXX and emailed them within a few days of this statement to clarify excess wear and tear on the car since it was in pristine condition upon return. I was informed there was a scratch on the wheel. I requested a new statement given the dispute. 

From XX/XX/2020 through XX/XX/2020, we never received another bill, statement, phone call, notice - and I assumed XXXX - wife and accountant settled the existing account even though I disagreed with the initial assessment. 

Upon applying for a mortgage this month ( XXXX ) I had no idea that XXXX was negatively reporting a delinquent account - severely affecting my credit - despite over 10 years of on-time payments and customer loyalty as a XXXX owner. 

I was never re-billed, contacted or notified that the account was still open. See credit history below. There is no 30 days, 60 days, or 90 days late notification at all. The monies owed was never an issue on affordability and as soon as I found out this was an issue I immediately called XXXX to settle the outstanding account. During that call I asked them to correct this reporting issue given the same discussion points raised in this communication. I also submitted a complaint on line to XXXX regarding the matter. 

In their lack of a fair reporting or notification process, you can see the damage it has done to my credit report and XXXX loyalty. Below is the image they are reporting to my credit agencies. I have tried to resolve this matter directly with XXXX and they haven't cared to or bothered to fix this error / issue. 

As evidenced through reporting to all three credit bureaus, it shows there is a definitive lack of a notification process for the consumer based on the dates XXXX is reporting. There should be a 30 day late, 60 day late, 90 day late before the major ones they have listed below. That is all that would have been required and had been requested by this consumer and the account would have been settled immediately. ( See attached png. ) I am requesting this single XXXX issue be removed from my credit history. The impact such callous indifference has on long time loyal XXXX customers is indelible but forgivable when they chose to do the right thing.
Consumer complaint received 2020-09-16
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. (FL)

THERE ARE THINGS ON MY CREDIT REPORT THAT I NEVR HAD. I HAVE NO IDEA WHERE THIS STUFF COMES FROM. I JUST KNOW THEY ARE IMPACTING MY SCORE AND THATS NOT FAIR. I HAVE INQUIRIES THAT I HAVE NEVER INQUIRED ABOUT. PLEASE REMOVE THIS STUFF FROM MY CREDIT AND SEND ME A COPY.
Consumer complaint received 2020-09-16
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

SO I WAS CAUGHT UP ON PAYMENTS FOR CITIZENS ONE. I WAS TOLD THEY PLAN TO FORECLOSE ANYWAY AND WHY DONT I JUST GIVE UP!! THESE PEOEPLE SPEAK BROKEN ENGLISH!! I CALLED BACK SEVERAL TIMES TO GET A NUMBER OR NO ONE WILL PICK UP. THEY HAVE HARRASSED ME DAY NIGHT, SOMETIMES FIVE PHONE CALLS IN A ROW.
Consumer complaint received 2022-12-30
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX Amount : {$29000.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

I purchased a refrigerator in XX/XX/XXXX from Conn 's Home Plus. In XXXX of XXXX, I began having problems with the refrigerator ; the freezer was not freezing and it was making a loud humming noise. I purchased a warranty for this refrigerator. The Conn 's technicians were at my home three times and was not able to repair the refrigerator. Conn 's stated they will give me a full credit for the refrigerator, {$1100.00} and agreed to purchase another refrigerator. I purchased a new refrigerator on XX/XX/XXXX, to replace the defected refrigerator. Again I purchased a warranty. The defected refrigerator was picked up by Conn 's on the same date of the new purchase ; new refrigerator purchased was delivered on XX/XX/XXXX and the defected refrigerator was picked up on same date. 

I have made numerous attempts by calling and sending emails to both Conn 's and Synchrony ( the purchase is being financed by Synchrony Home account ending in XXXX ). Both refrigerators are still reflected on my Synchrony account ; I have only ONE refrigerator ; the purchase of the second one is {$3500.00}. My credit score has dropped and now Synchrony is stating I'm past due with them by an amount of {$160.00}. I have made my monthly minimal payments due to Synchrony timely each month, with a " zero interest '' for two years. Synchrony representative informed me my payments increased from {$70.00} to {$130.00} ; I have paid {$70.00} monthly since I purchased the refrigerators. I was not informed my payments would change. I am still waiting on the credit for {$1100.00} for a refrigerator which was picked up. Neither party has resolved my issues. 

I will attach copy of my invoice for the replacement of the refrigerator which was on XX/XX/XXXX. The amount of credit is on the Conn 's invoice, plus notation of the exchange. I am also provided you with my last statement I received in XXXX, reflecting the {$70.00} minimal payment ; which show no changes for the purchase in XXXX, however, no credit of the exchange.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (SC)

Venmo suspended and froze my account stating that I'm involved in activities that goes against their user policy.. basically I had a few disputes for doordash delivery service... Because my order was cancelled and never refunded and for every dispute that I reached out to venmo to file I had proof for I sent them verifying documents and support of my dispute for every single dispute and this one agent right before this happened seem suspicious of me as if I was lying I guess even though I sent over verifying proof and support of my dispute that I was claiming with him or filing with him and then the next day venmo had suspended my account and Frozen my money of {$23.00} and I have tried to reach out to them to unsuspend my account so I can have access to my funds and each time I get the runaround and then or told I need to do this or do that change my password wait for an agent to contact me I've I've done it all and I've waited for almost two weeks and still they still have my account suspended and Frozen and at the time 2 weeks ago that really hindered me because it was the only bit of money I had left to my name which I stress to them because that was my gas money to get to work and I don't have friends and family that I can just call upon to borrow money so not only did this hinder me in general but not having access to the money but I also was not able to get to work for a week till I got my next paycheck I have tried and tried to speak with venmo and nothing ever comes to a solution nor do I get any help I just get passed around from agent to agent and then finally get told just to wait around for an email well this is not right this is beyond wrong especially at the fact that they're suspending my account based off of suspicion that they have no proof of but yet I have every bit of proof of verifying documents sent in support of my statement for every dispute I want my account unfrozen unsuspended and I want access to my funds it may be only {$23.00} and that might not be nothing to somebody but to somebody like me who lives paycheck to paycheck that means a lot they are in the wrong and are withholding my money for absolutely no good reason with no proof nor will they even actually say what activities I've been involved in that goes against their policy that's just all that they would tell me they would not further explain which I think is XXXX  please help me get my money
Consumer complaint received 2020-09-15
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 have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. 
My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX My only address is XXXX XXXX XXXX XXXX, TX XXXX. 
Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX I have unverified accounts from the following companies : XXXX XXXX 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 2020-09-16
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (TX)

I have XXXX student loan accounts with Navient. On all of the accounts they reported me late in XX/XX/2019. I do not understand why they are reporting me late. I don't believe they sent the statement. I have not had any issues paying these accounts on time,
Consumer complaint received 2020-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

This company keeps harassing me with constant telephone calls. They are calling me to collect on debts of which I have no knowledge of. I have informed them that I was the victim of identity theft back in XXXX of 2020, and to stop contacting me. I believe that any accounts associated with this company were the result of identity theft. They refused to provide me with any relevant information due to my inability to validate the information they have on file. It seems they may have information pertaining to another individual. At this moment, there has been no negative impact on my credit reports. However, I anticipate that this may change in the future. 

I was able to gather the following information from them via our telephone call. 

Medical Data Systems ( MDS ) XXXX XXXX XXXXXXXX, FL XXXX XXXX ( Representative ) XXXX ( Supervisor ) Phone number : XXXX ( XXXX ) XXXX Fax : XXXX Police report filed on Wednesday, XX/XX/2020 ( XXXX XXXX ) XXXX XXXX Sheriffs Department. 

Incident Submission # XXXX FTC report number : XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I uploaded a police report, safe house letter, and a self attested letter signed by my victim advocate. 

XX/XX/XXXX I was denied the 605C relief due to my ID being blurry and the safe house being determined a place for XXXX XXXX XXXX  instead of strictly for XXXX XXXX survivors. As many may know - both go hand in hand and not many local safe houses are for XXXX XXXX only. 

XX/XX/XXXX XXXX XXXX at Experian completely violated my dignity is a human. He offered to read my police report back to me on a recorded line. My police report includes me being XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He accused me of lying about being XXXX because one of my reports stated this was XXXX XXXX. I was subjected to not just XXXX but also XXXX XXXX by my own husband. 

XX/XX/XXXX I uploaded the federal form signed by the detective. XXXX claimed the form was not signed. I uploaded it 2 more times. 

XX/XX/XXXX I called to ensure the copy of the signed form by the detective was received- Experian told me XXXX XXXX was out for the day and no one else could help me. 


XX/XX/XXXX I reach XXXX XXXX. He still treats me as if Im not behind honest and states he will call the detective today. He never called the detective. My report is still filled with my past. There was no further communication on this day. 

This clearance was for housing for me and my daughter. I have begged for the federal rules to be followed, I have been tormented through this process. Over the last few years I have rebuilt my life. 

This representative of Experian has no compassion, no conscious and has violated the FCRA. This is going on day 9. I have submitted documents multiple times showing the most traumatic time in my life and he has treated me like I am garbage in the street.
Consumer complaint received 2020-09-02
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: Coast Collection Agency Inc (MI)

Dated Material - [ Wednesday, XX/XX/2020 [ Early Prior Knowledge Developmental Summary Report ] Identity Report Summary with Possible Relations where the victims/claimant Identity was subjected to a conflict of Interest with the ; Federal, State and Local Government Operations ] : While living in the State of Michigan Ive been unable to find sustainable -- - Career Opportunities thats financially sustainable where Im able to afford the major essentials such as sustainable transportation due in part to my low credit score where Ive learned prior that my social security had in fact been manipulated fraudulently from a -- - Foster Care Social Services Agency Provided by the State of Michigan where the Agency named ; XXXX XXXX XXXX XXXX and the State of Michigan takes sole guardianship over your private essential documents with supplemental arguments thats sustainable and sufficient by the State of Michigan and the Michigan Supreme Courts System. However ; prior to ; Foster Care Placement Parental Rights ; is relinquish from the primary parental parents where it was determined that ; XXXX XXXX XXXX, was improperly neglected by his or her Parental Guarding therefore ; the State of Michigan and the Foster Care Agency, than appoints the -- - choice Foster Parent as Full Parental Guardianship of the -- - Foster Child ; who is determined as a State Ward in custody of that Foster Parents Care from the time of entry until he or she has phase out of the Foster Care Program. 

Recent Active Activities : Most recently, returning from the State of Georgia, while keeping a consistent investigative challenge with regards to my developing credit report and my credit history where Im challenging credit history by bridging the gaps, to my puzzling Identity and how my identity has shown inconsistency with regards to fraudulent errors done by the below documented suspects -- -- other than my own interest which means I had no known knowledge that this type fraudulent activity would take place upon my identity or upon my personal private credit platform. 

With that be stated -- - I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize these vehicle accounts and did not authorize any vehicle to be purchase under my name or identity and never authorize anyone to use my driver license to register any vehicles with the Michigan Secretary of State -- - I request that it be closed immediately. 

Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. 

[ XXXX XXXX XXXX ] - [ Victim Recorder ] Leadership Development - [ Leader-Principal ] [ Government Member ]
Consumer complaint received 2020-09-16
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. (FL)

I have an unverified Fraudulent account from the following company : XXXX XXXX XXXX # 6070****on my credit report. I have already filed a complaint with the FTC and CFPB. I was told that I needed a Police Report as well.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (DC)

We recently refinanced our TD bank mortgage and fully paid it off. They sent a letter on XX/XX/2020 stating " Recently a payoff quote was issued for the above referenced mortgage loan. In order for us to ensure that the payoff quote remains accurate, your automatic payment has been cancelled. '' The loan was paid off today, XX/XX/2020. Despite the payoff and the notice of cancellation of automatic payment, the automatic payment of {$2900.00} was drawn from my checking account today. 

I have contacted the bank and they said they will issue a refund in approximately 10 business days. They should not have drawn the payment in the first place and should either immediately refund it or pay a penalty.
Consumer complaint received 2020-09-15
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: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I recently submitted a dispute with Experian regarding inaccurate and negative accounts on my credit report. I also submitted supporting documentation from XXXX, the company Experian stated verified the non existing accounts. XXXX has submitted two disputes on my behalf in which Experian has not responded. The completed investigations was determined verified and remains on my report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( original documents with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I applied for a loan modification in XXXX of this year and provided all the all my proper income and back-up documentation necessary to the lender, including any clarification documents they requested throughout the process. I was just informed that my request was denied. Based on what they told me I don't believe they considered the correct federal guidelines in their decision.
Consumer complaint received 2020-09-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (PA)

XXXX of 2019, after XXXX advised me of a potential mortgage shortage. I notified them of my tax exemption for being a 100 % XXXX veteran residing in the state of XXXX. 

They have yet to successfully submit the proper documentation to the city of XXXX, I have been flooded with misinformation repeatedly, as I am over three dozen calls into the company and I provided all required documentation to them. 

XXXX has to facilitate the return on nearly {$10000.00} in overpaid taxes in to me. Yet they have failed to do so. My last earnest request was to revived a copy of the paperwork that they sent to the city of XXXX, that was two weeks and 5 phones ago. They have yet to provide it, mind you it is as easy as CCing me on the email. One rep stated that they would, then failed to do so. 

Lastly, I was advised by a rep to go into forbearance as I await the return of the fund, ( early XXXX ). In subsequent calls I was then provided with misinformation and inconsistent information as to whether they could or couldnt run a new escrow analysis while I was in forbearance. I was told by one rep that that was a good course of action, then in subsequent call, its not acceptable and its against their policy to perform the analysis. I am XXXX into the forbearance, OWED to them, with an incorrect escrow amount ( which makes the payments higher ) and another XXXX owed to me.