davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (TX)

I am reaching out again to highlight my serious concern to GM FINANCIAL about certain details in my credit profile which include these unverified and inaccurate information reported in my credit reports. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information. I have attached as well my FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (OH)

I attempted to complete a transaction with Wise ( an international money transfer institution ). I was transferring XXXXXXXX XXXX from my XXXX XXXX  account to an XXXX located in XXXX. The purpose of the transaction was to pay my landlord my deposit and first month 's rent. On XX/XX/2025, I set up the transfer on Wise using my XXXX XXXX account information. The transaction was paid on XX/XX/2025. On my online banking, I can see the payment ( {$1000.00} USD ) leaving my account. Wise reported that it had paid out the XXXX  to the receiving bank on XX/XX/2025. However, the recipient bank in XXXX never received the payment. My landlord reports never receiving the payment and when he asked his bank in XXXX, the bank said they had never received the payment. The landlord even provided a recent bank statement showing that the payment was not received from XX/XX/XXXX to XX/XX/2025. I uploaded this bank statement to Wise, and Wise offered to " trace '' or " recall '' the funds, but Wise stated that it could not guarantee that the funds would be recovered. I chose for Wise to " recall '' the funds on XX/XX/2025, and Wise estimated an attempted recall will take 10 days up to a month as they work with the receiving bank. However, since the receiving bank reports never receiving the payment, I am skeptical that the receiving bank will not do a recall. I have used Wise once before without any problems, but this time, I am afraid that they have lost my payment worth over {$1000.00} and are drawing out the process. I am trying to pay my landlord in a timely manner to reserve a room, and these delays have caused issues for both of us.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2024-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (FL)

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 

RECEIVABLE MGMT SVCS ( Original Creditor : XXXX ) ACCORDING TO THE FCRA IT IS A VIOLATION. I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Consumer complaint received 2024-05-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CT)

XXXX XXXX XXXX XXXX made me take out a XXXX dollar loan. I never passed my test and when I managed to take my test, the inspector at XXXX did something, moldy. 

From what I heard, my last complaint got two people fired, inspector and trainer. 

Are you able to investigate into XXXX please
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Navient Solutions, LLC. (CA)

I am writing to dispute a student loan that was taken out fraudulently in my name. This loan did not properly follow the Truth in Lending Act ( TILA ) by failing to fully disclose the variable interest rates and other key terms. I dont think inshould suffer with this new law.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (CA)

I was looking for my first credit card about a year ago, and was using pre-approval tools to understand what cards I was eligible for. Without ever having submitted the application, I received a card from Discover, their Student It card, with a limit of {$500.00}. I never used the card, shredded it immediately, and had it closed in XXXX of 2023. The card still remains on my report as an inquiry despite attempts to clarify this issue with the creditor as well as credit reporting agencies.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and other documents so I may review to see if this is actually a account that belongs to me.
Consumer complaint received 2024-05-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I tried to spend {$50.00} on any website but it would decline and not allow me to spend the money. But after further research the card is only allowed on certain websites but clearly amex is false advertising when they list on their website American Express Gift Cards and Business Gift Cards can be used virtually anywhere American Express is accepted in the US. when they truly dont accept it virtually everywhere. - heres the link for this ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is upsetting when I got this for my birthday and I cant even use it!
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (CA)

I called Upgrade to discuss my account because Ive never been late. The representative even escalated the case and stated they dont know why it was reported due to the fact Ive never been late. They were supposed to correct it and all bureaus were supposed to remove it but its still there affecting my credit!
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Supreme Lending (GA)

XX/XX/XXXX RE : Homeowner, XXXX XXXX - Property Address XXXX XXXX  XXXX XXXX, XXXX, GA To Whom It May Concern : This letter is to convey the economic hardship that I have experienced as a result of the pandemic. I am a small business owner and my day to day business operations were severely impacted. I am still recovering and have continued to be significantly and negatively affected by the pandemic resulting in the temporary inability to make mortgage payments. 

My family experienced previous recent pandemic economic hardship whereby we applied and received assistance through the GA HAF Grant in the amount of {$44000.00}. The payment from GA HAF was made to our mortgage company Everett Financial Inc. dba Supreme Lending. At the time of our original pandemic hardship, our monthly mortgage payment was {$2200.00}. When our regular payments were scheduled to resume, we were shocked to discover that our mortgage company said we owe escrow. Our understanding along with GA HAF understand was that all monies owed to our mortgage company included all ESCROW. Instead, our mortgage company adding it to our new monthly mortgage payment. The new amount of {$3100.00} includes escrow spread over a XXXX period effective XX/XX/XXXX. Unfortunately, paying an almost {$1000.00} monthly increase in our mortgage payment has further contributed to us experiencing hardship again. We also believe our mortgage company may be getting paid extra money because they are saying the money paid to them by GA HAF did not include the ESCROW. But, we all believe the monies our mortgage company received included the ESCROW. As ESCROW is included with each monthly payment. The monthly payment of {$2200.00} which was our normal monthly payment includes the ESCROW. How then can our mortgage company say we owe it when they asked us to pay up all missed monthly payments? Then when it is paid in full say we owe the ESCROW. But, the ESCROW has always been attached to the monthly payments. Seems like Everett Financial Inc. dba Supreme Lending are not doing right by my family, me and GA HAF.

As I continue to diversify my self-employment, Ive increase ride share driving. I intend to resume making monthly mortgage payments in full and on time as soon as possible. 

Thank you for your consideration. 

All the best, XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc. (FL)

As of the beginning Essex Mortgage a financials institution that I did not choose to work with ( loan was sold to them ) they have had a miserable conduct to me! 
I have called to have a split payment accommodation half of it the first week and second on the third week within the 30 days cycles. They were absolutely mad as soon as I asked that. Not only they refuse to set me up for automatic payments but they were brutally answering to me with no help. They said whatever you pay we don't care we still your monthly payment of XXXX $ at the scheduled date no matter if you pay any portion of it in advance. Due to their technical errors with their wiring system they have been returning my automatic payment back with the excuse of insufficient funds. My Bank statement can verifiy that this is a false reason. However I have had a full fight with them from my XXXX XXXX  regarding the XXXX payment. I keep asking to send a wire a same day wire to them they weren't providing me with any info or help. Finally around the end of the month on the XXXX they told me to mail a check to them and I mention to them the long federal holiday ahead ( XXXX ) and that can cause the USPS to delay the check to them, but they told I should be fine. According to my tracking number this has arrived there on the XXXX but their office was closed or maybe the mail man could not find anyone there, I have send them picture of my usps trading number and also my bank statements to verify my ability to pay on time without delay but my calls to them are black listed and they never answer to my Emails. However they pourpesly delay to apply my payment just top report me delinquent late payment to the credit bureaus, that will give them leverage by me being restricted to move over to other mortgage company. I been already denied to refinance my mortgage due to their false reporting to the credit bureaus. That is a false report I was never late.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Idaho Housing And Finance Association (SD)

This debt has been canceled per a 1099C. IRS accepted it and this company refuses to acknowledge this fact. All correspondents, letters, have been forwarded to the XXXX XXXX for there investigation of mail fraud, fraud and swindles. I do not owe these people anything. HomeLoanServ is funneling money from this organization to Idaho Housing and Finance Association who are the one reporting on this credit report. I have no contract with these people and this is getting old. They refuse to show any accounting of " donations '' sent to this place. If you want more evidence, I have it. This is clearly fraud and something needs to be done. There was never any full disclosure of the original contract to begin with, there was never any transfer of anything. Homeloanserv is a 3rd party debt buyer that bought this debt and the atty for IHFA where the FRN notes are being funneled threatened me with arrest if I continued on with the validation of this debt. I have evidence there was never any debt from the beginning. GAAP principles shows you there was a balance of the books from the beginning, so how can there be a debt? These people know they are in a trustee position with a fiduciary obligation and they refuse to do anything XXXX show anything. In fact it has already been settled with XXXX.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have never been in activity on this account or another account not consistent with capital one expectation or customer agreement. I called and ask can I get some type of help cause my payment was impacted by Covid-19 and they closed my account.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I am disputing this account because I do not recognize it and I previously filed a report with the FTC for identity theft, I received a letter saying that I had until XX/XX/2023 to contact you regarding this account that otherwise you would assume that this account belongs to me. here I communicate with you using my rights as a consumer. 

PORTFOLIO RECOVERY ASSOCIATES , LLC. 
{$11000.00} This account is being disputed
Consumer complaint received 2023-11-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

My name is XXXX XXXX and I am a Paypal user with email address XXXX and PayPal has locked my account asking me for documents including my ID card, bank statement, proof of address etc which I provided and in the app it says 1 business day. 

However the block was put over 26 days ago and this has really affected me because I have over {$5000.00} in there that I need to pay rent because my rent has expired and the landlord is on my neck or I'll risk my things being thrown out. 

I need PayPal to unlock my account
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX, 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 2024-02-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bridgecrest Acceptance Corporation (NV)

I filed bankruptcy back XX/XX/XX/XX/XXXXto get fresh start everything all debtors was notified did not receive in file backs, all creditors have disappeared on bankruptcy except bridgecrest I have reached out to them with proper documentation and reached out experian about this as well and it is not being removed The only credit report it is reporting on is XXXX
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Experian is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2021. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report.

A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this, I did NOT give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

I am trying to get business funding and this incorrect information is directly harming my ability to do so.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

This fraudulent scam predatory company closed XXXX complaints and DID ABSOLUTELY NOTHING TO ADDRESS THE ISSUE, which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXXXXXX XXXX  Laws Dear XXXX XXXX XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft laws specific to XXXX, XXXX 

It has unequivocally come to my attention that XXXX XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, Missouri state law, specifically referencing identity theft and fraud statutes applicable in XXXX, XXXX, underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and relevant Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX