davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (KY)

On XX/XX/2018 at XXXX GM Finanacial repossessed my car saying im 3 months behind on payments, well 2 months and 6 days to be exact. My payments a month are {$310.00} they have given me until tomorrow morning to pay {$1600.00} to get it back or its going to be sold at auction. Thing is i always have paid by check from my bank account which i have ALL statements showing im only 6 days behind on XX/XX/2018 payment. Their monthly statements are NEVER right when i make a payment instead of it being taken off balance and reduced its like they add that amount to whats owed and the total EVERY month rises instead of reduceing. Even w proof they refuse to give me my car back even though it was an illegal repossession. Even if i was 3 months behind that total owed would only add up to be {$930.00} but yet they r demanding a {$1600.00} payment or i cant have my car back. Thats an extra {$660.00} for what is my question which of course they have NO answer for. So i have contacted a lawyer and i am sueing them over this. U might also want to go to their website Gm Finanaical.com check out tbeir complaint section, they have 801 complaints 554 of which are over financial or payments from that many more customers going threw same thing with same problem. 
Someone there is pocketing all this money that keeps disappearing or never arrives. Oh and evrytime you call these people u are only allowed to speak with a CSR the supervisor is NEVER in or available. Plus i have been completely harrased by these people they literally call my house 4 to 5  times daily for the last 5 yrs over this car payment. That itself is against the law not to mention i draw XXXX and i am a very sick women and this is absolutely ridiculous to have to deal with this on a daily basis and be treated like something lower than a dog by these people. They are rude and completely unhelpful. Something needs to be done a business of ANY KIND should not be allowed to harrase people or treat people this way ....
Consumer complaint received 2024-07-08
Product: Credit 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 (CA)

For almost 6 months I have been trying to resolve a dispute on my credit card for charges that were fraudulently made against my credit card the company in question is " XXXX ''. 
I at thousands of dollars charge to my account sometimes 7- 9 times a day. 

I tried with the company to resolve this with no avail no response from them so I contacted Wells Fargo credit card company they repeatedly took my information for 6 months now they opened five different disputes every time saying they don't have nothing on it and I've given them dispute numbers this last time was XX/XX/XXXX I called today XX/XX/XXXX to verify what's going on the lady tells me they have nothing I told her I have a complaint number and that over XXXX from still unresolved. 
I filed a complaint with the California attorney general 's office against the company question XXXX, the attorney for XXXX responded by saying we apologize and that because of my dispute with my credit card company they can not give me a refund at this time but if it doesn't work out let them know I contacted the California attorney general who recommended that better off dealing with the credit card company it's faster. 
It's been hell on Earth with them they are ignorant they don't care I submitted the California attorney general 's letter XXXX attorney letter sitting there apologize and would recommend highly to refund my money if it wasn't for my dispute every time Wells Fargo just ignores me and today they tell me that I have a better chance of going after XXXX. This company is ridiculous. I told them numerous times I never received anything if I did I returned it and I told the company that but I never got six to eight times a day anything maybe once in a month that was my mistake but Wells Fargo refuses for 6 months now to help me get out of this mess
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am uploading this showing my filing for identity theft which occurred in XXXX of 2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a XXXX. I need help please
Consumer complaint received 2024-01-25
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)

Once again experian closed this complaint without addressing the issue which is Experian NOW has stolen almost XXXX months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MI)

Received letter dated XX/XX/2023 from Amsher Collection Services stating that I owe XXXX {$500.00} and also received an email from this same Company XX/XX/2023 Amsher has an address listed for me in XXXX Kentucky and I have never lived in Kentucky I was born and raised in Michigan. XXXX has confirmed with me that I do not owe this amount to them and has never sent anything to collections in my name I have never heard back from this agency if this information was removed from their files. Another reason why this debt is not mine is that I do not spell my name the traditional way it is spelled XXXX NOT XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of my personal information was inaccurate especially the address. I also found an inquiry that I don't recall giving permission. The following needs to be investigated and be corrected for erroneous reporting in my file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2022
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Security Credit Services, LLC (GA)

I have repeatedly stated that this is not my debt. I have a fraudulent account statement. I have sent it in. Ive gotten no response back not only that but from their own response, there is only XXXX {$320.00} balance yet. The credit report shows that theres a {$600.00} balance with a high balance of {$320.00} that doesnt even make sense thats invalid there Constantly changing their reports to Suit my proof and this is absolutely a violation on my rights and needs to be taken off of my report and I want to be paid my legal right of XXXX per violation for at least the XXXX violations that are clear as day the balance due and the dates opened as well as if the card is closed or not On my credit report, it states that it is closed under opportune then under the creditor that they sold it to it states unknown. But even under their own reporting, it says balance due zero how is that possible if XXXX being reported for nonpayment
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NJ)

XXXX XXXX and XXXX XXXX XXXX are trying to collect a sum of money I do not own them .... 

XXXX XXXX XXXX violate al my consumer right and give another company " Credit Control , LLC '' all my personal and private information and now this company is trying to scam and rip me off using a federal government organization as the USPS to send me mail letters to collect a sum of money I do not own them. 

I do not own Credit Control , LLC any sum or money otherwise they need to send me any signed contract or agreement between me and them that shows I own them any sum of money.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (NY)

I initially received communication via phone from this company back in XX/XX/XXXX. Specifically, on XX/XX/XXXX or XX/XX/XXXX, I spoke with a representative and asked them to send me verification of the debt they claim that I owed. I did not hear from them again until XX/XX/XXXX when I informed a representative who call that I never received verification of the debt. I received a phone call from the collector on XX/XX/XXXX and XX/XX/XXXX regarding the alleged debt and I explained that once I receive verification, I will review it and if I deem payment necessary I will make the arrangements at that time. I received an email from the collector on XX/XX/2018 with the information. I have received repeated and harassing phone calls from this collection agency on the following dates : XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX I spoke with the representative and they told them to stop contacting me until I review the information sent to me and then I will make arrangements with them. However, I continued to receive phone calls on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, twice on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two times on XX/XX/XXXX. The numerous and repeated telephone calls are completely against the law and I have previously spoken with them and advised that what they were doing is against the law. At this point, I want to take legal action against them for damages for continuously harassing me almost on a daily basis after they have already received communication from me and which I told him I will review the information and if payment is necessary, I will make the arrangements. I have a job which requires me to keep my phone on and these calls are interfering with my ability to work.
Consumer complaint received 2024-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (OH)

I am disputing the validity of this debt collection that has appeared. The account in question is related to Eastern Account System for the amount of {$1000.00}. 

To the best of my knowledge, I have never received a bill or validation of this debt from the creditor who is unknown as it is not displayed on the Credit report or the collection agency. I have no known proof of this debt and therefore, I request that this debt is deleted from all 3 credit reports. 

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.

Eastern Account System : 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 2024-04-12
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. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-24
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX CARD XXXX, XXXX CARD XXXX and XXXX CARD XXXX
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 2024-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OK)

Complaint regarding Venmo-paypal Family member sent me funds via Venmo on XX/XX/year>. After receiving the funds and transferring them into my bank account Venmo suspended and froze my brand new account. Said funds are now in escrow somewhere. Venmo emailed me requesting a photo ID, which I sent them, as well as had numerous verification and multi factoring security steps with the new Venmo account before even using. I was told by their customer service there was a special branch within the company that would review my complaint and contact me within XXXX hrs. They have yet to do so and my funds are still nowhere to be found. I'm wanting the funds released immediately or refunded to my family member who made the initial transaction.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (NV)

Venmo out of nowhere froze my account. Took weeks to hear from them. Was asked to send pictures of my id which i did. They responded saying my account is now permanently closed and the funds wont be returned to me. This is nonsense this is my hard earned money. They are stealing. I have an eviction notice because of it I in complete shock this is so unfair
Consumer complaint received 2020-07-28
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: United Revenue Corporation (GA)

I have a loan with UNITED REVENUE CORP ( Original Creditor : XXXX  XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and UNITED REVENUE CORP ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NY)

this debt has been canceled and forgiven by XXXX with a XXXX the taxes has been paid the XXXX taxes making this debt paid off canceled and forgiven lvnv funding is reporting a debt that has been canceled and forgiven with the taxes paid under IRS rules the debt has been cleared there is not debt this is false reporting of a forgiven debt
Consumer complaint received 2018-08-29
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. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit. XXXX XXXX ( XXXX : XXXX Experian : XXXX ), Unknown Name ( XXXX : XXXX ), XXXX   XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), SXXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XX : Experian : XXXX XXXX : XXXX ), XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX ).
Consumer complaint received 2024-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

On XX/XX/year> I submitted a School Misconduct Discharge application to Navient. I attended XXXX XXXX XXXX XXXX XXXXXXXX. My federal loans were discharged because they determined that the school made pervasive and substantial misrepresentations about various aspects of their school. 

On XX/XX/year>, I received notice that I was denied : " ..., your application for School Misconduct Discharge has been denied. 
We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I replied XX/XX/year> asking why specifically was it denied : " Hello, I recently submitted a request to discharge my loans because of school misconduct. I received the message back stating that I " do not meet the requirements for discharge based on misconduct by your school. '' My federal loans were discharged because of school misconduct so i'd like to know what specific requirements I did not meet for my loans to be discharged. Thanks! '' On XX/XX/year> they replied back with a generic response without giving any specific reasons : " Thank you for reaching out regarding the denial of your private loan school misconduct discharge request. We understand why this matter is important to you and we hope you find the following information helpful. Please understand, each application is subject to our review and discretion. A variety of criteria are used to determine eligibility, including, but not limited to, proof of resulting harm, sufficient documentation supporting your claim, date when events occurred or when you experienced harm, etc. Because we review each application holistically, it is not possible to identify specific criteria that caused your application to be denied. Navient considers a variety of factors in determining whether a private loan should be discharged based on school misconduct. That analysis is confidential and proprietary to Navient. We appreciate the opportunity to serve you. ''
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I submitted an Unauthorized Hard Inquiry Dispute Letter in writing via priority mail, tracking number XXXX, to The Experian Credit Bureau. I Requested that ( XXXX ) Hard Inquiries Be Removed because they were ( Not Authorized ) by me. I contacted Experian Customer Service Dept today XX/XX/XXXX and was informed that the Inquiries will remain on the report unless I submit my fraud complaint to the Federal Trade Commission therefore, I am making this formal complaint as requested because I did not authorize these Credit Inquiries and as a result, I am being denied credit opportunities that I have worked Hard to achieve.
Consumer complaint received 2024-07-14
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I am paying weekly on this title loan, and have paid more than half of my remaining balance, yet LoanMart is still reporting my account as closed/charge off with none of my recent payments or current balance. Ive disputed this with XXXX and XXXX but nothing changes. This is having a negative impact on my credit report and I would like it fixed.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (TN)

I am writing to formally dispute an account listed on my XXXX credit report. The details of the account are as follows : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$100.00} Status : Dispute resolved reported by grantor This account was opened when I was under the age of XXXX and, as such, I am not legally liable for this account. I did not authorize this account, nor did I have any involvement with XXXX XXXX at the time this account was allegedly opened. 

I request that the CFPB investigate this matter and ensure that this account is removed from my credit report. I have already attempted to resolve this directly with XXXX XXXX and XXXX without success. 

Enclosed are copies of my identification documents proving my age at the time the account was opened, as well as a copy of my credit report highlighting the disputed account. 

Thank you for your assistance in resolving this issue promptly.