davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumers Inc (VA)

This collection Agency is reporting to ( XXXX  ) on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the FDCPA section 807 violation Misleading false reporting. This account is inaccurate and I am seeking litigation, please delete at once. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NY)

My experian.com membership was logged into, the type of account was changed, and my account is now a XXXX, {$26.00} per month billed account. I am being asked to pay {$26.00} past due balance if I want to access the experian.com online account. They have also added addresses, and other personal information which are not mine. I can no longer check to see what they have added last. The telephone customer service line disconnected me after I entered my social security number several times by phone. They are accessing my account to cause credit issues, add addresses, theft, and stalk through transaction activity online. There have also been changes to my open accounts.
Consumer complaint received 2021-04-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (SC)

Sometime during the late XXXX 's or early XXXX 's, I co-signed with an individual to purchase a vehicle in XXXX, SC. The vehicle was later repossessed and sold at auction. I have recently found that GMAC has recorded a judgment against me without a court hearing. A judgment can only be issued by a judge after a court hearing. How were they able to do this?
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

PayPal has permanently locked me out of my account when I have done nothing wrong and submitted all the required documents and I have XXXX sitting in limbo and need access to MY MONEY!! The email linked to the account is XXXX XXXX
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second time writing ( credit bureau ) about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to XXXX XXXX. Trans Union XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), ( credit bureau ) may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under XXXX U.S.C. Sec. XXXX ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. ( Credit Bureau ) had received my second as proof on this ( date ), which mean they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX 4. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

5. Validate Account XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

6. Validate Account XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

7. Validate Account XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

8. Validate Account XXXX XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

10. Validate Account XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

11. Validate Account XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

The following accounts listed above was disputed twice and the ( credit bureau ) have failed to respond the first time which is a violation of the FCRA. I have attached below proof of stamped certified timing that the letters was received this time by ( credit bureau ) and they must complete this investigation with 30 days or they must remove these accounts they can not verify. Also attached is notarized letter, original dispute letter, and credit report.
Consumer complaint received 2021-03-31
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: EQUIFAX, INC. (MO)

In the month of XX/XX/2021, I sent several disputes to Equifax, with regard to incorrect and inaccurate furnishing of information. Equifax proffered that they corrected the report to reflect all disputed items were deleted. 

In response, Equifax forwarded a report ( dated XX/XX/2021 ) showing no inquiries were included. 


However, on XXXX XXXX, 2021, I submitted an application for a personal XXXX XXXX  Credit Card. On XXXX XXXX, 2021, XXXX XXXX  denied said application, stating in part that " Too many recent inquiries are recorded on your credit bureau report ''. 

Equifax is in violation of 15 USC 1681e " Accuracy of report '' ; whereas, Equifax is providing one version of a credit report to me, ( the consumer ) and a different version to the potential credit grantors.
Consumer complaint received 2021-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had an XXXX  loan serviced by Bank of America. I sold my property on XX/XX/2021. The day after the sale, I called Bank of America customer service to inquiry about the status of my escrow account, which they told me they would close and issue me a refund check for any remaining balance. I waited for almost a month and I received two correspondence letters from Bank of America ; one stating my loan was paid off, the other regarding the balance and closure of my escrow account, but NO check was received. I called Bank of America customer service to let them know I never received a check in the mail, and was promptly told that it was either delayed by the post office or it was lost in the mail. They cancelled the check and reissued a second check. I wait another month, and again I received nothing in the mail. I called Bank of America customer service again, and again they told me it was either delayed or lost or just to keep waiting. I asked if they could transfer the funds into my Bank of America checking account instead and was told that they could not, and they could only issue a paper check for closed accounts. I decided to go into a branch and speak to a representative in person. I told the representative my situation and provide documentation for everything. I told him I have waited 2 months for these funds, and I will be closing on a property in 3 weeks and that I needed my money for closing. The representative called Bank of America customer service and worked with another agent over the phone. He asked that the funds be transferred to my checking account because it has been 2 months and I am in dire need of my money. I was told that my funds would be deposited into my checking account within 3 business days. I waited 4 business days and checked my account everyday, and I still have not received my escrow funds. My loan was officially paid off as of XX/XX/2021 according to Bank of America. To this date, it has been 61 days or 45 business days and I still have not received my money or an adequate answer to where my money is or when I can expect my money to be returned to me.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

OnXX/XX/2021 emailed XXXX XXXX 's Credit Dispute Center. Received a correspondence email that stated they will provide result within 30 days. Have not received any communication with XXXX XXXX.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 emailed XXXX XXXX 's Credit Dispute Center. Received a correspondence email that stated they will provide result within 30 days. Have not received any communication with XXXX XXXX.
Consumer complaint received 2021-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

OnXX/XX/2021 I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.
Consumer complaint received 2021-04-03
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 — Problem with personal statement of dispute
Company: Financial Business and Consumer Solutions. (SC)

I was looking into a chargeoff from XXXX XXXX on my credit report. I contacted XXXX XXXX who forwarded me to a collection company FCBS inc. That company at first started that they did not own the debt and they were collectors of and on behalf of XXXX XXXX . I then contacted XXXX XXXX  who stated they had sold the debt and no longer owned it. When I contacted the collection company ( FCBS, INC ) again, they stated that they were not a part of XXXX XXXX and I owed then the debt. I told them without verification there would be no payment arrangements etc until I had validation of who owned the debt. ( Recorded phone conversations ). Because it was inaccurately reported, I asked experian to remove this chargeoff. They did not and changed it to updated file which made my FICO score drop 54 points. I believe my rights under fcra are being violated and I am being punished for filing a dispute on inaccurate information on my credit report. This collection company is now dating I entered into a payment agreement with them which I have not. This is a violation of my rights!
Consumer complaint received 2021-03-30
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: SYNCHRONY FINANCIAL (WA)

There are two labeled unpaid accounts affecting my credit score though I have already paid for them. Those two, XXXX XXXX and Amazon and sync/Amazon, are really affecting my score whereby hindering me from getting my VA loan benefit. I would like you to consider the possibility of helping clear those anomalies from my account. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (NC)

I am never late missing a payment to GM Financial on my car loan. I set up Auto Pay when I first got the loan. I have been on Auto Pay ever since and have never had to worry about my car payment. The bank account that I use, I use solely for bills. I have money direct deposited in, and then auto pay kicks in for my bills to pay each time every month. I have never missed a payment. I don't check my bank account very often, since it is a working flow of payments. I decided to check my bank account one day, and realized that my car payment had not been taken out of the account for the past few months. Worried and concerned, I quickly logged into my GM Financial account and saw that the Auto Pay had been turned off automatically. I never gave GM Financial permission to turn off the Auto Pay feature. I was not notified that the Auto Pay feature had been turned off, and was not aware that my bill was overdue. I did not receive a letter in the mail, or a phone call to notify me that my statement was overdue. I had no idea that I was behind on my monthly payments. As soon as I discovered this myself, I paid the full overdue balance and re-enrolled myself on the Auto Refill Program. 

Fast forward, and I found out that my credit score dropped XXXX points, and my father 's credit score ( who cosigned on the loan ), dropped XXXX points! We were extremely upset that this was all due to the Auto Pay being turned off without knowing, and the missed payment on the account. 

I called GM Financial and they told me there was nothing they could do about it. They said I was notified via email from " XXXX XXXX '' that the Auto Pay was shut off. I checked my email inbox, spam and junk folders, and I never received an email from XXXX XXXX. They told me that I turned off the Auto Pay on XX/XX/2020 and that a confirmation email was sent to me. I never turned off the Auto Pay and never received any emails from XXXX XXXX to notify me that Auto Pay was turned off. Of course, I told them I was extremely upset, because if I knew I turned off Auto Pay, I would have paid my bill right then. 

They told me that there was nothing I can do to dispute the derogatory mark on my credit report, due to me not paying my bill on time. I am extremely upset because I have never missed a payment in my life, and now my credit score and my father 's credit score have been extremely impacted, since GM Financial did not communicate with me that the Auto Pay was turned off. This will affect our credit scores for years to come, and impact our interest rates if we ever want to buy a home or a car.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (MD)

On XXXX XXXX I made my mortgage payment for {$970.00} to Village Capitol Investments through the CompanXXXX website. I was advise the next day by my bank ( XXXX XXXX XXXX XXXX Village Capitol XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ph # XXXX ) took another payment for the same amount causing over draft fees. I had my bank stop payment and they also waived all fees. A few days later I received a call from a Village Capitol XXXX name XXXX confirming the company had error, he said they would pay any fees and apologize. Now weeks after I received XXXX XXXX phone call I am getting collection letters with late fees and collection calls, when I call the company they tell me the bank stop 2 payments and now pass due. XXXX XXXX XXXX XXXX XXXX XXXX confirm only one payment stop and refer me to my bank statement date from XX/XX/2021 for prof of payment in the amount of {$970.00}. any help would be appreciated.
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

Hello, I am dissatisfied with XXXX XXXX XXXX XXXX. Last year in 2020, I was affected by the pandemic, I had never had no late payments on my auto loan. In XXXX of 2020, I made a payment before the 30 day mark, XXXX of 2020, I made my other payment. When XXXX comes I log into my portal and see that I owed XXXX car payments I was puzzled. I called into XXXX and spoke with several representatives, and they told me the payment had cleared my bank. I called back again, and XXXX manager I spoke with I gave her the names of the other managers and their departments she said none of them work there. And she said my payment was returned because my bank rejected it. I was trying to work and maintain my credit so that I could get a home for my brother and I, he has been battling a lot of XXXX issues and slowly overcoming them. I take care of him, and their is only XXXX income in my home. The representative was rude and said it was my fault my bank rejected the payment. Eventually after going back and forth with XXXX I called my bank and they said that XXXX tried to take the XXXX payment days after in XXXX on the XXXX, XXXX, and XXXX. I tried to call XXXX because on their website it says they will work with XXXX who have suffered during these difficult economic times we are living in due to the pandemic, XXXX representative just said go borrow the money from a family me member. Long story short I have called, and wrote XXXX to try and get my late payment removed as of a result of a goodwill adjustment and they still refuse, and the sad thing is many people see my car and love it. They inquire about it and Im reluctant to refer them to XXXX even though most of the times I still do. This was the only time that I had ever been 30 days late. It was just crazy because of the things the different reps said, its a pandemic, and the fact that I didnt find out about the payment until XXXX so they gave me a derogatory remark for XXXX and not XXXX and still refuse to remove my alleged late payment.
Consumer complaint received 2021-03-31
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 out letters to all XXXX bureau. 
60 days later no response. Im sending out my second set of letters 60 days later. This is a violation of my rights as the FTC would state. Please remove all unverifiable information off my credit reports or I will file for litigation.
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

this company is reporting to all three credit bureaus ( XXXX, transunion, and XXXX ) on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (OH)

I received a text message with a link to a Website and a phone number. The website looked legitimate, so I called the number to resolve the issue. The seemed to have my name on file and phone number, though when I called them out for not correctly having other information attached to my name and that this is an error, they hung up on me which clued me in that it was indeed a scam.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I received a letter dated XX/XX/XXXX from SunTrust bank, telling me that there was a lapse of XXXX day in my home insurance policy renewal and therefore I owed them {$13.00}. 
On XX/XX/XXXX, I spoke with a SunTrust representative name XXXX to explain that there was no lapse because : - XXXX ) I have the same XXXX insurance company, and - XXXX ) XXXX policy lapses at midnight XX/XX/XXXX an the renewal started at the same moment on XX/XX/XXXX at XXXX AM. 
XXXX told me that the original policy ended on XX/XX/XXXX and the renewal ( with a different number even though it was the same insurance company ) started on XX/XX/XXXX. 
I agreed to pay the {$13.00} to settle the matter. 
MY COMPLAINT IS AS FOLLOWS : - XXXX told me that an escrow will start to charge me to cover the cost of an insurance policy which will start on XX/XX/XXXX even though I have never had an escrow on my mortgage with SunTrust and have paid the mortgage, the insurance policy and and the taxes on time for the decade that I have had the mortgage with SunTrust. 
- She refused to generate a bill for the {$13.00} when I asked for it. 
- When I asked to talk to a supervisor who could settle the matter amicably, XXXX told me " I am the supervisor '' and refused to connect me with someone in authority. 
- SunTrust is being abusive by trying to generate a revenue stream when I have never given them a reason to doubt my creditworthiness or willing ness to pay.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have contacted TransUnion of XX/XX/2021 to removed XXXX XXXX XXXX my account it still has not been removed. Therefore, I am contacting you to resolve the issue of removing the account.