davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (NC)

On XX/XX/XXXX a vehicle that I purchased new in XXXX was towed by the City of XXXX XXXX, CA for parking tickets. My daughter was using the vehicle while in California, We live in North Carolina. 
On XX/XX/XXXX GM Financial picked up the vehicle after being contacted by the towing company. 
On XX/XX/XXXX ( Friday ) composed a letter that stated I had 10 days from the date of the notice to recover the vehicle or the vehicle would be sold in a private sale. This letter was post marked on Monday XX/XX/XXXX and I did not receive the letter until Friday XX/XX/XXXX effectively giving me less than one day to respond to the letter. 
I contacted GM Financial on XX/XX/XXXX, prior to receiving the letter because I noticed the repossession on my credit report. Prior to this I had no contact with GM Financial by any means. 
Since I initially spoke with an agent at GM Financial, I have been unable to contact anyone there via phone or messaging through their website regarding this matter. 
Furthermore, We have never missed a single payment on the vehicle loan which is now five years. We have also never allowed insurance to lapse on the vehicle though the entire loan term to date. 
A payment monthly payment was made on XX/XX/XXXX and was accepted by GM Financial but was not credited to my account and is still sowing past due along with another past due amount of {$350.00} for which I am unclear as to the nature of this past due amount since I have not received a statement for the month of XX/XX/XXXX, nor is it even available on their website when I log into my account dashboard. 
Please Help! 
Thank You!
Consumer complaint received 2019-01-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

On XX/XX/XXXX we mailed our payment in to Freedom Mortagage. The company had not posted our payment to our mortgage account by XX/XX/XXXX, so I had contacted the payment processing number for the lender. I was advised that on this date they had not received our payment due to it not showing in the system. I contacted them on XX/XX/XXXX as well with the same response from Freedom Mortgage. Finally on XX/XX/XXXX they had posted our payment to our account, but it had been initialed that it was received as of XX/XX/XXXX. This is not the first issue that we have had with severe delay in processing our payment. We were not charged any late fees, but due to being required to mail the payment in, it caused undue stress to my wife and I during the holiday season because we were worried if we needed to send in another payment or play the wait and see game. If I am seeing the correct information regarding this type of issue is that it is required to be posted the same day or the next business day after it is received.
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

National Credit System continues to attempt to collect a debt, that I do not owe. They have not responded to the 30 day independent verification.Debt Collector National Credit Systems , Inc . 
Account Details Original Creditor : XXXX XXXX XXXX  Account # : XXXX Balance : {$3600.00} Open Date : XX/XX/XXXX Credit Bureaus XXXX : Negative Latest XXXX Report Date : XX/XX/XXXX XXXX : Disputing Latest XXXX Report Date : XX/XX/XXXX XXXX : Disputing Latest XXXX Report Date : XX/XX/XXXX
Consumer complaint received 2019-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

To Whom It May Concern I ahve received a letter from Wells Fargo informing me that as of XX/XX/2019 : : The servicing of your mortgage is being transferred to XXXX XXXX XXXX XXXX without my conc ern, due process or input.I do not kow anything about this company and no information has been made available by the transferring entity, Wells Fargo Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello, we were forced to sell our home previously due to my husband being a XXXX veteran and not being able to work, when he was first diagnosed he couldnt work as much so we fell behind on our payments but only by XXXX, we requested a modification which took a year but we were granted the mod eventually. Our mortgage was sold to XXXX now known as XXXX XXXX. However on the day of closing we found out that there had been a partial Claim initiated without our consent so we lost XXXX at closing unexpectedly because we feel this way as done behind our back, we also have seen previous lawsuits against BOA involving modifications and HAMP programs in the news, please see attached paperwork, thanks!
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX placed a collection account on my credit report on XX/XX/XXXX. I responded by sending an FTC identity theft report because I don't have a contract with XXXX. XXXX responded by stating they were assigned an alleged debt of mine by XXXX XXXX. I never received any mail from XXXX XXXX or XXXX in regards to an alleged debt. Where is the proof a letter was mailed to me? There should be proof of delivery for the notice of assignment and my right to dispute an alleged debt as a consumer. Also, in accordance with the FCRA 15 USC 1692g, I'm requesting the following legal documents : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and XXXX XXXX XXXX with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA. 6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. 7. Proof that you have the chain of title to collect on this debt. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal action against XXXX XXXX XXXX. Under the FDCPA, you are required to provide me with proper validation of any debt that you are attempting to collect. A bill of sale between you and the original creditor and account statements does not legally bind me to pay you an alleged debt. Your failure to do so is being documented and will be forwarded to my legal representation. Please note that there was a 24-million-dollar judgment levied XXXX XXXX XXXX from the Consumer Financial Protection Bureau for misleading and deceptive practices, illegal tactics, negligence, and willful noncompliance.
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank has corresponded with me through mail that my XXXX account is a result of id theft. Yet it is still on my credit report and they are continuously sending me small refund checks for this XXXX account. I want this debt removed from all of my credit reports immediately
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2019-03-09
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. (MD)

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and Experian are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX, and XXXX - XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Consumer complaint received 2019-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC (NJ)

{$120.00}, {$810.00}, {$960.00}, are medical collections that have not been verified to which maybe in violation of the HIPAA laws. Through various and numerous times no one has sent me to prove these accounts are owed and are mine. I've sent letters and no one has contacted me but told the credit bureaus it was verified without giving me proof. So these 3 medical collection is harmful to my credit.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2019-03-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

I received an email from USAA Bank in Texas on XX/XX/XXXX stating that I will receive a restitution payment of {$180.00} deposited into old USAA account. If I closed old USAA account the consumer finance protection bureau will mail paper check to me. It's now XX/XX/XXXX and I received no check. And, USAA said there is no way to track this. Even though I called USAA XX/XX/XXXX. USAA said too soon to tell as well. Since, my XXXX XXXX apartments in XXXX XXXX, Arkansas stole my Veterans Affairs UPS shipment on XX/XX/XXXX Police report number XXXX filed XX/XX/XXXX. Neither, managers, XXXX XXXX or XXXX XXXX, knew who did this. I need for you to look into this check and send to my newly opened Post Office Box. I'm not receiving mail regularly. I also have a fair housing complaint with XXXX XXXX XXXX.
Consumer complaint received 2020-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

In XXXX, my account was compromised for a period of about a week and again in XX/XX/2020. I reported this to Cash App almost immediately. Upon following up, I was originally told that I didn't file a claim within 60 days, which I did. Another CashApp employee verified that, but stated that I never sent back a form they sent me. This is false. There was no form sent to me. When OI attempt to communicate with them, they ignore what my concern is and start talking about some random charge that has nothing to do with the issue at hand. I have several emails proving this. It's really rather strange and intended to divert a situation they are obviously guilty for. Today I have learned that XXXX XXXX ( XXXX XXXX ) has been receiving payments from my account. These charges, like the ones in XXXX, are a result of someone assuming my identity via the Cash App and transferring my funds out. My rights are being violated. I need them protected in the XXXX and XXXX incidents as well as this most recent issue beginning XX/XX/2020 through XX/XX/2020 and totaling {$2300.00}. The incidents in XXXX and XXXX total over {$11000.00}. Cash App is being deceitful in dealing with this claim. I will include statements with the charges circled that are invalid. I am including all statements for all events.
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NH)

XX/XX/2020 Card purchase CASH APP*CHRISTIAN XXXX CA XXXX {$1000.00} Details Description : Card purchase CASH APP*CHRISTIAN XXXX CA XXXX Date : XX/XX/2020 Type : Debit I had an agreement for a rental that was sent with an agreement to sign. I discovered after that the rental was not autherized to be used under this person. They had me pay with XXXX and I issued a return within XXXX hours of doing so but the user declined. I never recieved this rental and I called my bank to dispute that very next day. The just now issued a credit reversal saying they can not confirm because of a XXXX party. I called police and gave them all the details as well. The user name was XXXX for XXXX. XXXX user - craigslist XXXX
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/2020 I was notified by Cashapp Visa debit that a purchase in the amount of XXXX was made with XXXX XXXX at XXXX. At XXXX I immediately went on the Cashapp app and submitted that the purchase was not made by me and it was a fraudulent transaction. I also submitted that the card was stolen and used for the purchase with XXXX XXXX. At XXXX I called XXXX merchant services and had the card cancelled so that no other purchases were made. I then contacted XXXX XXXX and notified them that my card was used to make a purchase and that I did not authorize the charge. XXXX XXXX was very helpful and immediately cancelled the pending purchase and told me it would take between two to three business days to refund the money back to my Cashapp Visa debit card. To this day I still have not received my money back nor is Cashapp doing anything to put the refunded money back into my account.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (MI)

On XXXX XXXX, 2020 I sent my friend XXXX XXXX three translations through CashApp A ) {$1400.00}, B ) {$1400.00} and C ) {$1400.00}. CashApp confirmed XXXX receiving all three translations. XXXX confirmed receiving A and B transactions. I requested a refund for transaction C and I havent received any refund. I then contacted CashApp support requesting help on my refund and was informed that XXXX would need to contact CashApp support and ask for assistance in locating transaction C. XXXX contacted CashApp support several times. He was informed that CashApp is unable to locate transaction C for him to contact me and verify I sent transaction C. My credit union and CashApp confirmed all three transactions, while telling XXXX they can only confirm transactions A and B. It appears to me they are trying to run the 30 day clock out and then possibly say its been 30days nothing they can do. I have all the corespondents from CashApp support that have been sent to XXXX and I. I just want transaction C refunded. Dealing with CashApp support via email has been frustrating. Their first paragraph of their reply always sounds helpful its the rest of the communication is total XXXX.
Consumer complaint received 2020-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MO)

According to XXXX  transactions data, on the dates of XX/XX/2020 ( {$1700.00} ) fraudulently withdrawn without authorization and XX/XX/2020 ( {$2000.00} ) fraudulently withdrawn without authorization. Complaints were filed and verified immediately thereafter with XXXX.XXXX  via telephone by XXXX student/cardholder/claimant on or about XX/XX/2020. No complaint filed with police. 

Thereafter XXXX student/account holder/claimant received newly issued XXXX XXXX  on or about XX/XX/2020 ending in XXXX, however, said XXXX XXXX not showing on account. 

That, and XXXX student/cardholder/ claimant continued his request for refund through XXXX XXXX and XXXX on XX/XX/2020.