davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (TX)

Original Creditor : GM FINANCIAL XXXX XXXX # : XXXX XXXX CREDITOR ACCT # : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX In XX/XX/2016 I was involved in a vehicle accident. There were issues with the insurance company. Once the issues were retroactive The insurance paid their portion, GAP paid their portion. 

The insurance did not pay the original amount due to the information that was communicated via GM FINANCIAL. The vehicle had been sold. The title that was presented to my insurance company at the time. 

Due to the insurance issues GMC FINANCIAL repossessed my vehicle. I don't have a date nor do I understand how does a company repossess 's a damaged vehicle. Nor was it communicated either that the vehicle had been repossessed. That information was provided through my insurance company at the time. 

The reason for my complaint is because GM FINANCIAL is providing fraudulent information towards my credit report. They were paid in full by the insurance company what they should receive. Due to GM FINANCIAL 's mishandling of the account at the time. Therefore, the amount of {$4500.00} should not reflect upon me. I do not owe this amount nor do I have knowledge of this debt. By this company mentioned above. Nor by GM FINANCIAL. 

While this issue was going on with the insurance company at the time I also communicated with GM FINANCIAL once a week to keep them informed. I spoke to a representative who was rude, and unprofessional. 

Since my vehicle accident I have attempted several ways to expunge this debt from my credit as it is not a charge off. 

This fraudulent debt is a defamation of my character. Nor does this help my credit in any form or fashion. 

If I was able to resolve this issue with my insurance company at the time then GM FINANCIAL should be responsible enough to understand and remove this fraudulent debt from my credit report. GM FINANCIAL received payment for the vehicle regardless of the time frame. Therefore, this is not a repossession. This is a vehicle accident. 

I can not control what Fraudulent Lies GM FINANCIAL presumes to fabricate. GM FINANCIAL received a payment. End of debt that is originally not a debt. 

GM FINANCIAL will give you a loan knowingly knows you will eventually default on the loan. Then lie and ruin your credit with those lies.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

On Monday XX/XX/XXXX, I was at a friends house XXXX XXXX XXXX XXXX XXXX XXXX and received a notification from Cash App that I had a negative balance when oddly I deposit {$10.00} on XX/XX/XXXX. It puzzled me and I googled Cash App Customer Service. I called XXXX and spoke with someone that pretended to be Cash App Support Services. They politely explained to me what had happened, reassured me that they could handle the negative balance as well reverse the funds back into my account. He put me on hold and had requested that I downloaded an app Team Viewer Quick Support, as I was asking him questions, I asked to speak to a manager. XXXX from XXXX called me and reassured me that they would handle this situation. They told me they had to enter XXXX in the pay out as a code and It was minutes that moment I thought to myself I just got hacked. 
I checked my XXXX XXXX account and {$2300.00} was taken out my account. By this time I had been on the phone for 1-hour talking and yelling at them to fix this problem or Im call the bank. XXXX told please do not call the bank we can fix this problem. XXXX stood in her living room and said that this doesnt make any sense. They tried to involve her by requesting to transfer my {$2300.00} to her Cash App account. I called the bank on the line while they talked to XXXX. And the bank told me that someone tried to take three different withdraws, which the last one was in the amount of {$2300.00}. The bank opened up an investigation. I am filing this Police report with XXXX Police department to report someone pretended to be Cash App Support.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

THIS IS AN AMENDMENT TO MY COMPLAINT # XXXX On XX/XX/XXXX my domestic partner and I opened a joint account for the amount of {$1000.00} at SunTrust Bank branch in Florida located at XXXX XXXX XXXX XXXXin XXXX Fl XXXX. 

My partner already moved to XXXX and I am in the process of relocating. On XX/XX/XXXX the account was closed, the {$1000.00} that was paid to SunTrust by XXXX was removed from the account and withheld by SunTrust. 

The officer at the SunTrust branch refused to return our money. She told us the money was locked in the bank 's safety box. 

We were referred to speak with Officer XXXX XXXX XXXX XXXX ) XXXX at Suntrust XXXX XXXX in XXXX, who said that we had to contact the bank legal department. 

I contacted the legal office of the Teachers ' Union of which I am a member. They sent a letter on XX/XX/XXXX to SunTrust Bank. As of today the letter remains unanswered.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have multiple XXXX XXXX double reporting on my XXXX XXXX. It does not provide account numbers but I know I only had 2 and it is reporting 4 collections with supposedly different balances.
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (GA)

I click the app it ask me to log in???? I'm confused at this point because it also says create new cashtag so I kno its cash app error I still have all my web recipes I hope that helps had XXXX in my account you cant call anyone and support is threw email I need my cash back I'm goin all the way with this one
Consumer complaint received 2020-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I was introduced to a group through XXXX  messaging app. There was an investment opportunity in which i later found out was a pyramid scheme. I sent a total of XXXX to the cashapp accounts below. I contacted cashapp and they stated that there was nothing they can do regarding the situation. I explained to them that it was a scam going on and still stated that they could not help me. 

XXXX XXXX  XXXX {$500.00} removed from bank linked to cashapp account XXXX XXXX XXXX  {$500.00} I have requested a refund from both parties in which XXXX declined and I am still waiting for XXXX response. 
please help me.
Consumer complaint received 2020-05-27
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. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AA)

In XXXX, I was accepted by the State Department to work as a XXXX XXXX in their foreign service. In XXXX, I was posted to XXXX XXXX, XXXX XXXX, so I had my mail forwarded to my diplomatic address. Within a month or so, I receive a letter from US Bank mortgage company basically saying that if I was living outside of my house I was out of compliance with my loan. I called to try and find out what it was all about, but the number that they give in the letter is the general customer service number, and the only clarity that the person was able to give was that it " may '' have to do with the fact that my loan is an FHA loan. I was informed that the address I needed to send my responses to was the address of the department that handles FHA loans. They had no phone number or email address to give me to facilitate communication. 

So I responded with a letter explaining my situation and asking to see if there was some kind of exception or exclusion, since I'm sure military personal serving overseas don't lose their homes because they are in the service, I figured there had to be something for me too. I sent the letter and proof of my current employment with the XXXX. 

In XXXX, I got a letter dated from XXXX that said I would get a temporary extension for a year, but I needed to respond in 30 days with a copy of a non-occupancy insurance coverage and a sale or rental agreement for the property. I received the letter basically a day or two before the deadline, due to how COVID-19 has affected international flights and mail service. I kind of freaked out since my only way to respond would likely take another 30 days. According to the USPS tracker, it still has not arrived ; its been a couple weeks. So I called the customer service number again, hoping for help. 

But they weren't able to give me any. The customer service guy, very friendly and genuinely sounding concerned, had to inform me that he had no way to contact them himself, so he couldn't even call that department to ask for help or guidance. Especially since, by that time, I realized that the FHA stipulations on residing in my house had long been met, since I bought the house in XXXX and have lived in it continuously and exclusively, until XXXX of XXXX. 

I guess what my complaint has to do with is that this very important part of the bank, that is basically threatening me with having broken my mortgage contract has NO WAY to communicate with me in a way that didn't exist in the last Century! Imagine? The ONLY way to deal with these people is through a letter. A LETTER?! Not even an email with a scanned document or a FAX! 
I feel like I'm in a Dickensian tragedy.
Consumer complaint received 2019-09-03
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Volvo Car Financial Services U.S., LLC (NY)

On XX/XX/2019, unbeknowest to the customer ( Leasee ), the dealership ( Leasor ) changed the money factor from the agreed upon rate to a much higher rate and hid the change within the sales contract ( as it was not visble on the same ). Additionally, the Leasor also charged the Leasee for a nearly {$1200.00} 'Pre-Paid Maintenance ' plan by including and hiding it in the total capitlized cost of the vehicle without properly disclosing or getting the Leasee 's approval to do so. As a result, the Leasee is paying higher monthly lease payments due to the fraudulently increased capitalized cost and money factor/interest rate resulting in higher rent charges throughout the duration of the lease term. The Leasee has attempted to contact the Leasor on multiple occasions in an attempt to resolve the issue but the Leasor has failed to respond. It's the Leasee 's position that the Leasor performs the alleged conduct regularly in their day-to-day business practice when the Leasor modify money-factor rate and charges for hidden and unapproved service agreements to the benefit of the Leasor without the Leasee 's knowledge or consent.
Consumer complaint received 2020-05-26
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a credit card with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX - In 2012 I had my car loan with XXXX XXXX. After making the decision of relocating to USA, I requested to have my loan transferred to XXXX XXXX XXXX. XXXX XXXX  claimed that this was not possible and I had to voluntarily surrender the vehicle if I decided to move ( I come to find out now that this was not true ). After following their only recommendation, they agreed to not affect my credit with a negative remark since it was voluntary and I was in good standing with them. During this past year, XXXX XXXX has been updating the account on the credit reports inconsistently and with inaccurate information. Every other month they change the account status on XXXX and Transunion to repossession, delinquent, owes money, add monthly payments ( account is closed and has been for 7 years ) change the dates of the accounts etc, and only change it back to the right information after every dispute I make ( over 10 already ) It changes from month to month. The original agreement and as it stood for 6 years was : Account is closed, voluntary, no negative remarks, no delinquency no derogatory remarks, no monthly payments are being made or owed. If you can not accurately keep track of the correct information each month, remove it from the credit report. Inconsistent reporting, inaugurate information and malicious intents are illegal.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (PA)

We had purchase furniture from XXXX XXXX we were not satisfied with the furniture and tried to return the furniture to XXXX. When we tired to return the furniture XXXX XXXX would not accept the furniture despite their 100 % satisfaction guaranteed or money back. We filed a Dispute with Wells Fargo credit card. Wells Fargo looked into the claim or dispute, After 3 months of waiting Wells Fargo claimed they tried to get in touch with me with the denial of the dispute on XX/XX/XXXX. I did not know of any attempt of getting ahold of me. I then did not notice the claim was denied until XX/XX/XXXX when I got a credit alert thatvi was over my limit and it was denied. I called Wells Fargo and they had told me that it is pass the date of which I could dispute the denial, I had told them that they did not contact me and I knew nothing of this. I also have noticed that my initial credit line was {$7000.00} used their credit card for furniture disputed the purchase they credited back to me my purchase during the dispute, gave me only a XXXX credit limit, the dispute was denied my credit limit is still at XXXX and it says that I have an outstanding balance of {$10000.00} there for putting my credit at a even worse over limit I have been making regular payments I have tried to contact credit dispute department of Wells Fargo. They have told me that they are putting it to escalation to see if there's anything else that can be done. XXXX XXXX well not accept the return of furniture, claimed they did not receive the return of the furniture which is why Wells Fargo deny the dispute. Outside of leaving the furniture outside of their store there was no way that we could return furniture they would not accept it yet they told Wells Fargo that they did not receive the furniture which is why Wells Fargo denied we have no problem in returning the furniture. To get this resolved if need be we would gladly leave said furniture in front of the store. We also refused a backorder piece from XXXX XXXX. We didn't want to receive any more product from them and it would of been incorrect to accept it. Therefore XXXX XXXX is also responsible for another piece of furniture we did not receive.
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

On XX/XX/2020, I submitted a dispute with XXXX to update the status on a collection account from unpaid to paid in full. I attached a letter from the collection company as proof that the said account was paid in full. On XX/XX/2020, XXXX  closed the dispute and did not change the status on the account. They indicated that they verified the account belonged to me
Consumer complaint received 2020-05-26
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)

On XX/XX/XXXX, I contacted Experian and opened a dispute regarding a XXXX account that was reported on my Credit Report. At that time, no information had been reported after XXXX, and the account was listed as a charge off. I had recently come to a settlement with XXXX to pay off the entire account balance for XXXX dollars. I called and spoke to a representative in the customer service center and advised her that the information being reported by XXXX was outdated, and the balance should be XXXX. At that time, she initiated a dispute. I received and alert yesterday that XXXX had " verified '' the information and is still reporting my balance as being Charged Off and unpaid, and my balance is XXXX dollars, which is incorrect.
Consumer complaint received 2020-05-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TN)

I had several deaths in my family recently and had to assist with burials of several family members. This caused me to become delinquent on my mortgage, my mortgage servicer Flagstar refused to assist me with saving my home from foreclosure. I sent Flagstar mortgage payments trying to make the required payments. My mortgage payments were returned to me and a property foreclosure sale date was set. I've submitted request for mortgage assistance several times in the past months, but they keep giving me the run around stating they have didn't receive my documents or closing my mortgage assistance requests. I have recently resubmitted request for mortgage assistance with my financials again. 
My homeowner insurance company XXXX XXXX made a insurance payment to XXXX to replace my roof and repairs water damage to the interior walls and ceilings of my home. Flagstar refuses to disburse the balance of the insurance proceeds for the completion of the repair that I completed to the interior of my home. Flagstar has sent someone out to inspect my property for the completion of the repairs and I still don't have the check. Flagstar has been difficult to work with and they provide terrible customer service. I don't want to lose my home to foreclosure. I also cancel all court action pending the mortgage company processing my application. Please Assist me See attachments
Consumer complaint received 2020-05-26
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries XXXX/XXXX  XXXX  CARD XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX MT XXXX XXXX
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

It shows the late payment from credit report on Synchrony Banana republic for XXXX and it shows late payment for XXXX. I sent the payment in time through mail but my mail and I had to resend it.. Please remove that late payment. forXX/XX/2019