davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Credit & Collection Corporation (GA)

I received a letter from Global Credit Collection and I do not agree with this balance. When the car was picked up XXXX XXXX XXXX , XXXX informed me that I wouldn't owe a balance Now 5 years later I'm receiving mail from Global Credit Collection stating they are collecting on a balance for XXXX XXXX, XXXX This is so wrong and incorrect on many levels. I do not owe any money on this account. Please have this company stop harassing and threatening to obtain a judgement against me. I will take legal action myself if they keep harassing me over a debt I don't owe.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (MI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2018-10-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP (FL)

XX/XX/XXXX I wrote Selene Finance on the following : Loan # XXXX I closed on this modification XX/XX/XXXX and on my monthly statement one year later, XX/XX/XXXX they billed me {$210.00} for lawyer fees on this modification. My husband made the payment and did not notice this charge. Selene refused my request on phone for refund of this amount. I told them you can't come back one year later and say opps ... my lawyers are charging a fee. Not reasonable. I closed in my name and Selene did not change their records UNTIL XX/XX/XXXX Statement due XX/XX/XXXX. All this time I made the payments to XXXX XXXX name on statements. These people just can't get this modification right. I have to complain all the time. 
My escrow account is all messed up also. Yearly total incorrect. XX/XX/XXXX statement shows {$710.00} with XX/XX/XXXX taxes paid on your behalf segment as {$210.00} - this is contradiction that it was an attorney fee which I paid because they added it to my monthly mortgage statement as due amount in XX/XX/XXXX in amount of {$1100.00} which my husband paid in error. My regular payment is {$900.00}. I sent them a complete breakdown of my escrow account and showed how they were incorrect. They send double monthly statements. 
At modification my payment was suppose to be {$890.00} but due to a escrow shortage it was XXXX. A difference of {$17.00} which they said was going to a shortage. Yet my starting escrow on XX/XX/XXXX was XXXX. Can't get an explanation as to why payment is up and where does the XXXX go. I have all the papers I sent to them. I can fax to you if you want to see the correct figures. They never explain the difference and why they can't get it right. I have to keep calling. 
Breakdown : XX/XX/XXXX Bal XXXX Due XX/XX/XXXX Then Due XXXX Bal XXXX Due XX/XX/XXXX Bal XXXX Then they increased escrow {$290.00} per month up til due XX/XX/XXXX. So XXXX x 12 = {$3500.00} plus the 2 x XXXX = XXXX comes to grand total of {$4000.00}. ; XXXX You take that amount and pay off taxes XXXX and insurance XXXX = {$870.00} balance in escrow. They show {$130.00} on my statement due XX/XX/XXXX Where is my {$730.00} -- -- difference they show and I actually paid???? You won't get a clear response from them. This is not an A RATED mortgage co.
Consumer complaint received 2023-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group (NJ)

On XX/XX/XXXX @ XXXXXX/XX/XXXX, I called XX/XX/XXXX to figure out why I was sent to collections because I currently was not late on payment nor defaulted on anything. I talked to one of the representatives about where the debt came from and it was from ambulance ride from XXXX I explained to him I havent been to ER since XXXX for an unrelated issue and i drove myself there. The representative explained to me the debt was attached to someone elses first and last name. The only reason he was able to look it up was from my phone number and not even through my social security, which I informed how was that even possible since it showed on my credit report. He recommended me to reach to the credit bureau to have this taken off but this can seriously ruins someones credit, falsely reporting items that arent even tied to them. Representative was a good guy tried to explain everything he could to me without giving me false information.
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I received a collection letter from Transworld systems I never herd of this company. They are stating that I owe {$1000.00} in XXXX XXXX tunnels tickets. This is untrue., This company has not shown me any tickets or passing. I always pay my tolls cash if I did not have an active easy pass I paid over 200 XXXX XXXX  money in XX/XX/2018. This company has found some time of balance with someone and charge me with it. I do have or presumed to have had a balance with XXXX XXXX for {$40.00}. 

I demand this be discarded and this accusation be dismissed I do also believe this company should be fined for false documentation. 

This collection agency is a fraud persone who to contacty XXXX XXXX XXXX This company has a charge repeated over 22 times and they have no lic plate # I did not have a car during this time where did this come from what state and how where this is not true what car what year!
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I recently received a letter from my mortgage servicer stating the modification was declined because the investor XXXX XXXX XXXX XXXX XXXX was no longer participating in any of the modification programs. I also spoke with XXXX the Relationship manager XXXX XXXX XXXX he told me the investor didn't participate in the modification programs. Received a re-payment plan for {$2100.00} monthly the mortgage has increased over half of the original mortgage payment. My mother XXXX XXXX is terminally ill and I'm responsible for her care and medical expenses that insurance want cover. 
I feel we are being discriminated against because my mother is XXXX and we are XXXX.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 2023-10-14
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. (NC)

I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me. This is hurting me because I am in the process of purchasing my retirement home. Please remove fraudulent accounts from my credit reports as soon as possible.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valley Collection Service, LLC (AZ)

The Debt from that shows up in collections on XXXX  for VALLEY COLLECTION SERV XXXX Original Creditor XXXX XXXX XXXX Balance for {$430.00}. 

XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Is not mine. I do not know what this debt is and does not belong to me. I appreciate if you would help remove this off my collections please, Thank you.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NV)

XX/XX/XXXX Contacted Mohela, asked to be placed on XXXX as soon as plan was unveiled, submitted income certification. I had previously been on XXXX  for my XXXX loans, and graduated from XXXX  school during COVID pause so my XXXX  loans were on LEVEL, thus they changed ALL of my loans to XXXX  XXXX Payment on website updated from XXXX  to XXXX, {$250.00}. 

~ XXXX Payment on website changed back to XXXX, {$1300.00} ... this should not have happened and I have no idea why it did. 

XX/XX/XXXX Contacted Mohela, told them I can not make that payment, place me on XXXX. They said they could see the error on their end and they would expedite getting it fixed. I said if it does not get expedited on time place me on ADMINISTRATIVE FORBEARANCE. This was communicated THREE TIMES over the course of the phone call. They obliged and said they would accommodate my requests. 

XX/XX/XXXX I didn't see any changes during this time on my account so I contacted Mohela, they told me administrative forbearance was never placed. I told them I had asked 3 times to be put on it on XX/XX/XXXX. They initiated forbearance but told me it was too late for it to be applied to my payment due XX/XX/XXXX. 

XX/XX/XXXX {$1300.00} taken from my account
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance & 15 US CODE 1681o Civil Liability for Negligent Noncompliance & 15 US CODE 1692k Civil Liability. 15 US CODE 1681c-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN XXXX BUISNESS DAYS AFTER THE DATE OF RECEIPT.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On XX/XX/, at XXXX XXXX, I received a notification from Chime that there was a pending charge for {$2200.00} via my debit card at XXXX XXXX store # XXXX in XXXX, WA, and the money was removed from my account. I am in XXXX, California, not Washington, and my debit card was still in my wallet. I have never been to a XXXX XXXX in my life. I called the store, who told me to call my bank and file a police report. I called Chime to file a dispute under their Visa liability policy and they said since the transaction was still pending, there was nothing they could do until it either expired or settled. I filed a police report with the XXXX Police Department. I called XXXX XXXX back, and I gave Loss Prevention the case number from the police. I also called Chime to give them the case number. Once being transferred to a supervisor, she said they could not take a case number until the transaction was no longer pending. The next morning, my Chime app said the {$2200.00} was still in the pending phase, meaning my bank could do nothing. So I called XXXX XXXX customer service to see if there was anything they could do. They created their own case number for me and they were able to look at the receipt and see that it was three XXXX XXXX money orders that were purchased. I called the store location and let them know this, to which they were able to tell me the purchase numbers for the money order. I called XXXX XXXX and told them about the fraudulent money orders and they put in a request for a stop on the money orders, as well as created a case number. The transaction was still in pending, but I called my bank back and Chime told me the amount was now settled, despite it saying pending in my app, which meant I could follow through with the dispute. I was transferred to dispute who then transferred me to Members Services who then told me they could not dispute this claim, despite Chime having the Visa liability policy, and I would need to request a refund from the merchant. I asked why and they could not give me a clear explanation. I asked for a supervisor, and was put on hold and then hung up on. I filed a dispute anyways via my Chime app but at this point and time, my money has not been returned, nor have I been given a credit to cover the missing funds, which is what is promised under the Visa liability policy Chime has in place.
Consumer complaint received 2023-10-14
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. (MN)

I have sent multiple letters by certified mail asking for the alleged debt validation and the method on how they continues to validate this fraudulent and questionable items on my credit report. And have not received anything with validation of these clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taken advantage of me as a consumer and this has effected my life tremendously. The most recent certified letter was sent on XX/XX/2023 and they received it on XX/XX/2023. However the company update the reinvestigation status as verified. I have attached a copy of the XXXX XXXX XXXX verifying that they have no sign contract with I. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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.

Convergent Account # 1405 and 5824, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2019-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Received a robo call from portfolio recovery after I had already come to an agreement to settle this debt. They said my file had been reviewed by an attorney and that I still owed the balance that I had settled. They had not updated their system and had not any of what they told me they would do after I submitted payment. When I spoke to a supervisor, they said it was my fault because I had not given them ANOTHER call after the payment cleared for whatever reason that they never gave me. This is still showing as active on my credit report and they did not know when that would be taken care of
Consumer complaint received 2023-10-14
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: General Motors Financial Company, Inc. (SC)

On XX/XX/XXXX, my vehicle was reposed from my home. The last payment made to GM Financial was on XX/XX/XXXX. GM Financial charged off my account as on XX/XX/XXXX and placed a note on my credit file that my vehicle was affected by a natural disaster ( XXXX ). I never received a letter for a right to cure, a phone call, nothing. I personally have been reaching out to GM Financial after I made my last payment to find an additional XXXX  months have been added. I started my loan on XX/XX/XXXX. During years there were XXXX deferments, which I'm being told is XXXX payments. My loan end date was changed from XX/XX/XXXX to XX/XX/XXXX which would include the XXXX payments. XXXX XXXX that is not correct. Even though my loan was extended by 8 months, I still have XXXX  months of deferment payments to complete after the loan has ended which is a total of 16 months. 
I have sent several certified letters to resolve this matter and XXXX verified today that the letters were received but no one called me or the attorney to discuss the matter. There are several payments made where it applied XXXX payments to XXXX month and on XXXX there was XXXX payments made but only counted as XXXX payment. Now today GM Financial reps, compliance reps, and managers refused to allow a payment to be made so I can retrieve my vehicle and handle this matter legally.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, just after my wife 's monthly paycheck of {$5700.00} was direct deposited my Bank of America account was unexpectedly frozen, as well my wife and XXXX sons ' accounts. Also, my check for {$2400.00} was deposited on XX/XX/XXXX and was also held by the bank. 
In an attempt to rectify what appeared to be a mistaken action, my wife and I visited our local Bank of America branch on XX/XX/2023. To our dismay, the branch manager informed us that they were equally puzzled by the situation. Moreover, they explained that their system was locked, and they were unable to release our funds. This was a particularly distressing situation for us because our autopay bills were set up, and our mortgage payment was due on the XXXX of the month. 
We were hoping the BofA staff can help us understand the reasons behind the account closure. Unfortunately, the bank asserted that they were under no obligation to disclose the cause, citing a disclosure we had signed when opening our checking accounts. This disclosure stipulated that, in the event that Bank of America chose to terminate their relationship with a client, they were not required to provide an explanation. 
We accept the decision to no longer be a Bank of America customer, our primary concern is the withholding of our familys funds. We are hardworking individuals ; the bank is well aware of my solid banking history, as I've consistently maintained a positive standing with them. Due to the bank 's failure to release our funds, my family and I are currently facing financial hardship. We are in dire need of our own hard-earned money that they refuse to release. It feels as if we have become victims of an arbitrary decision made by Bank of America. I was unaware of the extent of control the bank had over our earnings. 
Fourteen days have passed since our funds were frozen, and despite numerous attempts, the Risk Closure department at XXXX has yet to reach a decision regarding the release of our funds. Their only advice has been for me to keep calling.