davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (NY)

Hello, I am writing regarding an old item that is reporting on my credit report. 
It is with GM Financial, in todays environment the auto industry is sparse in selection along with inflation stock shortages it is almost impossible to get a reasonable price or loan. Having items on my report that are working against me is creating unhealthy stress. 
I understand that information may be reporting correctly, but quite honestly this is a jail sentence. I am in credit jail! XXXX has made matters much worse and I am handcuffed when I could be reasonably providing for my XXXX kids. 

I am requesting that at the discretion of GM Financial that they choose to no longer report to the XXXX credit reporting agencies and remove any existing information from my report. 

It is with great appreciation that I ask this. This account is so old and I understand the law but I also understand that GM DOES have the option to opt out of continuing to report.
Consumer complaint received 2022-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Mr Cooper is my mortgage holder. I was in forebarance which was slated to end as of XX/XX/2021. I applied to have my account brought out of forebareance and up to date in XXXX. The option they offered me in mid XXXX of a partial claim was not acceptable to me as this would not lower my payment and I am still struggling. Therefore, I denied the partial claim and asked for Post Pandemic Covid Modification which would be a parital claim and reevaluation of the loan thus making the payment lower and interest rate lower. I called a few weeks later to check the status of my request and was told it was successful and to expect to resume payments as of XX/XX/XXXX with a reduced monthly payment from {$2600.00} down to {$2400.00} as well as a reduced interest rate. I was comfortable with this and asked that the paperwork be sent. After waiting an adiditonal 2 weeks, without ant paperowork, I called again and was told that now they anticipated my loan to restart on XX/XX/XXXX ( Not XX/XX/XXXX ) and that my rate was going up and my payment would be {$2500.00} as opposed to {$2400.00}, which is still a reduction but because I am delayed an additional month the negative balance from that extra month as well as escrow got added on and the rates have changed. The bottom line is they are moving the goal post while refusing to send the prpoper paperwork to exit Forebarance. I have seen and read reviews where similar tactics were used in an effort for them to maintain the original payment and rate and therefore change nothing for the customer. I stress that I can not afford to make a {$2600.00} per month payment which is why I asked for the Covid Modification in the first place. If this continues and I have to wait until XX/XX/XXXX to make payments, we will be right back to that payment per month and than some. This predatory behavior is despicable and should be addressed immediately!!! Especially since I am trying to be a stand up person and repay my loan which they are not allowing me to do until it benefits them! I.e If my payments were reduced by {$200.00} they would be loosing money on me and so have now delayed the process on purpose which has now raised my payments and rate which is totally illegal! Please someone help!
Consumer complaint received 2021-12-25
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: Experian Information Solutions Inc. (TX)

I previously filed a dispute with Experian regarding the XXXX XXXX Account XXXX negatively reporting to my Experian Credit File. In my dispute I included court documents submitted by XXXX XXXX and ordered by the XXXX of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. 

On XX/XX/XXXX XXXX XXXX filed suit against on credit card balances arising from XXXX XXXX XXXX card accounts ending in XXXX and XXXX. 
XXXX. XXXX XXXX was awarded a XXXX against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. 
XXXX. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below is XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. 
XXXX. XXXX XXXX declared the accounts null and void and fully released, exonerated, and XXXX XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including : ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force and effect of the judgment. 

Not only was I fully released from all reported debt on my XXXX XXXX cards, the amount being reported delinquent of {$12000.00} was a total of XXXX cards but is being reported as a single account by Experian. 

So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. 

Even after receiving a copy of the court order releasing me from all liability of this debt, Experian has failed to remove the negative account being reported for which I have no liability for.
Consumer complaint received 2021-12-25
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: EQUIFAX, INC. (TX)

I noticed fraudulent accounts on my consumer report. The major 3 credit bureaus, Equifax, XXXX, and XXXX are not upholding the law with 30 days to comply. I've sent in disputes and they're not responding to the investigation. I have not received investigation status or results.
Consumer complaint received 2022-02-04
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. (MO)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

For several months, I have repeatedly asked XXXX Information Services XXXX XXXX, Transunion and XXXX to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX Floor, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Consumer complaint received 2015-12-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MD)

Four and a half years ago, I attempted to short sale my property and vacated the residence. I let the bank know that I was unable to maintain the mortgage for the property as well. At some point the property was secured. XX/XX/2015 I was informed that Caliber Home Loans had taken over the home. I reached out to them to find out how to get the home out of my name and to find out if they would be foreclosing on the property. They could provide no timeline as to when things would progress, when they would attempt to resell the property or if they would foreclose. At this time I still have no information and am burdened with additional financial hardship because the home continued and still continues to accrue Condo Association fees since the time that I vacated. I have not received any documentation that it was still accumulating and thought that since the bank had taken possession and changed the locks that they would now be responsible. It was not until I found out a judgement was granted against me for over XXXX dollars and a they started taking XXXX % of my check each pay to pay the judgment amount that this was not the case. In the mean time the Condo fees continue to accrue. I do not know what period the XXXX even covered so I may be subject to more past due balances that I do not have the funds to pay. I spoke with a realtor to possibly relist the property as a short sale because I owe almost 3xs as much as the current market value and because of the lien/judgment she stated that this may not be the route I wanted to take due to the amount of time it could take to even get an offer which would then have to be accepted at a time when the market is low in the neighborhood in which this home is.. I am pleading to get the process moving forward to get this home foreclosed on or what ever the appropriate measure may be to get it out of my name and stop the bleeding with regards to the condo fees. I can not move forward with my life and start over until the bank does what they need to do with regards to home.
Consumer complaint received 2022-01-17
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. (NY)

Since XXXX of XXXX, I have been disputing 2 XXXX accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, Experian, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were settled. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are copies of statements, and requests for me to supply XXXX with more information in order for them to investigate the account. I am unclear as to why I need to help XXXX investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

In addition, I have a response from XXXX dated XX/XX/XXXX where they confirmed that they are required to provide accurate information to the consumer reporting agencies and can make changes to their reporting only if its incorrect. However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the 3 bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing
Consumer complaint received 2022-01-18
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. (PA)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have four loans with Navient. I called Navient on XX/XX/22 to pay off one of the loans of {$1800.00} and specifically stated which loan. The representative on the line said the loan was paid off and that I would get a letter about it. 

I checked today and the payment was distributed across all four loans. Meaning I still have a balance and on the loan I thought was paid off and Navient is still collecting interest on a loan that should be paid. 

The representative said they would put in a request reallocate the money to the appropriate loan but since there is a balance, I am responsible for the accruing interest even though the mistake on was their end. 

This is a really bad practice to continue accruing interest and keeping people locked into high interest loans.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-04
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

One XX/XX/2021 I initiated a transfer from my Chime Spending Account in the amount of {$200.00} into my external account. XX/XX/2021, I received an email update on transfer stated the transfer was unpaid indicating there maybe unauthorized activity on my linked account resulting in a temporary suspension until i could verify ownership of account. I sent copies of my Gov I.D, also copy of bank statements from external bank. and proof off address. After not being able through several attempts to get this resolve i asked to have my account deleted and account balance refunded, only to be told those funds from my account will not be refunded.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

Citi card made payment to XXXX XXXX car which I did not authorize. This is what happened. 
I took rental car from XXXX after confirmed reservation from XXXX XXXX insurance. At that time I provided Citi card to XXXX in order to pay charges I agreed with XXXX which is " customer pay XXXX ''. Copy of receipt from enterprise is attached. However, in between liberty mutual refused rental ; I 'm working with XXXX on that and Citi has nothing to do with that. Since my agreement with XXXX was to pay only XXXX, Citi was not supposed to pay what I did not auth. It appears Citi sided with the merchant.
Consumer complaint received 2015-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a checking account on XX/XX/XXXX 2015 through Capital One 360 's publicly available promotional webpage that offered {$400.00} for opening a checking account and completing two direct deposits of {$250.00} or more within 60 days. I made 2 direct deposits of {$280.00} each on XXXX XXXX, 2015 and XXXX XXXX, 2015. However, when I sent a message to inquire about the status of the {$400.00} on XXXX XXXX, 2015, Capital One refused to honor the promotion, claiming, " We were unable to match your name with our list of invited Customers. ''
Consumer complaint received 2022-02-04
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. (CA)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2021-12-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (UNITED STATES MINOR OUTLYING ISLANDS)

On XX/XX/2021, purchased two electronic books and unable to retrieve the books for flipping of pages. I stayed on the phone trying to get resolution. But I now want a refund as I am unable to utilize the books electronically. At this point I attempted to reach out but no response and I want a refund for the purchase. I thought the books were able to heard audibly so I want to return order XXXX. I was told I could not make it audible so I want to return the electronic one, If I can not listen to the book then I want to return it
Consumer complaint received 2022-02-04
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)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (VA)

My Consolidation loan was increased from {$10000.00} to {$13.00} My unsubsidized loan which originated at {$10000.00} in 2006 has almost double to {$16.00}, XXXX My PLUS loan that originated at {$9000.00} in 2006 was DOUBLED to {$18000.00}
Consumer complaint received 2022-01-18
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. (MA)

There are many fraudulent things i saw on my credit report that I didnt give permission to experian to put on there. Once i saw these things I sent them multiple letters needing verification and deletions regarding these items. I gave them the allowed 30 days and didnt receive anything in the mail nor did i get the items removed. This is my next step in the process into rectifying the situation to my liking. I feel like Im being discriminated against and Im having trouble extending credit with these things on my report. The following are wrong XXXX XXXX isnt my name so i want that and anything related to that name deleted. My address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Massachusetts XXXX. So any other address i want deleted as well. My job is XXXX XXXX so any other job i want deleted. There following account arent verified and i want deleted immediately : XXXX XXXX XXXX, collection XXXX, collection XXXX, XXXX XXXX  XXXX, and XXXX XXXXr XXXX.