davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc. (NY)

Over the past 3 years I've disputed multiple times with all three bureaus the fact that I should not have to pay full msrp on a vehicle that I do not own anymore. I tried to refinance at the beginning of covid because I was not able to make payments after my employers shut down. I made my last payment in XX/XX/2020 tried to refinance for lower payments and during this time I had also learned that my car had 5 recalls that needed to be taken care of immediately for personal safety. the people I took it to said I needed to pay for the cost of labor but everything else was covered under warrantee. I took my remote and left. I tried talking with customer service multiple times, basically got the run around that I owed them and that was final and they weren't going to allow refinance because I need to make a payment or get it out of a past due balance. Which I understand but with covid going on and waiting on unemployment to go through ( fighting with DoL and past employer for leaving my schedule blank I had pictures though so it took a long time I never got paid til XXXX ) which apparently at some point a tow company came to my mother 's house to repossess my car. I never got any notices in the mail or even so much as a phone call and all my info was updated in the system so they knew where my address at the time was. I lost my mother  in XXXX to an illness and then rhe next week they showed up and repossessed my car. Moratorium was still going on! The guy said he was going to give me my plates but never did he just jumped in his truck and left while I was carrying my things up to the porch I never even finished getting my stuff out I didn't fight with him or anything about taking rhe car but he said that gm would notify my about where it was going and so on. Which they never did that either. Next thing I know I get an onstar notification through email said my car is being fixed and prepared to be resold. I called and waited on hold for 3 hours and my phone died I gave up and then a payment was posted yo my account for XXXX which is what I'm guessing the cat sold for at auction 3 years worth of payments plus that equally out to be about XXXX but they still want XXXX and everything I've disputed they get taken off but jump back on my reports as an auto mobile loan, Installmant loan installment loan retail loan and so on they've literally deducted over XXXX points from my credit score over the course. And now currently I can't get any help what so ever. I'm not in enough debt to file for bankruptcy or for a loan nor can I get a personal loan to fix the other issues I have. My husband two dogs and myself have been homeless for almost a year now and I can not find any help whatsoever I don't know what else to do. This is unfair treatment. Harassment and just plain illegal and inhumane.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-12-20
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: Upgrade, Inc. (NV)

I made a return on this card on XX/XX/18 for the amount of {$110.00}. They only refunded me {$20.00} on this as soon as that posted. When I called them they gave me the runaround on this. They finally transferred me to a XXXX XXXX who gave me more of a runaround. When asked about this, he told me it was because it was a dispute. I told him that it was just a return. Then he said that he was on the wrong screen. When he supposedly got on the right screen he said it was because these are entered manually. I asked why {$20.00} and not the who amount. He said it should be there in XXXX hours. Still no refund. 

I have suspected this company of cheating me before. When I asked them they asked if I had proof. I said no. This time I have pictures on my phone of all the transactions every day. I used this card for everyday purchases as opposed to my bank card. I have asked this company for daily balance sheet. They say they can not provide that to me and that they cant see one either. They have said that is because their management does not make it available to them.
Consumer complaint received 2022-12-20
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: Resurgent Capital Services L.P. (PA)

i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2023-05-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC (MD)

My previous complaint was # XXXX. I finally got the forms needed. This complaint addresses an inquiry that was not addressed with my last complaint. The total amount owed to Selene Financial is ~ {$50000.00} higher than it should be. I consulted with a financial agent with XXXX, and he highly recommended that I order a payment history of the entire loan since purchased in XXXX. This hasn't been done, even though requested from Selene Financial, because the loan was sold numerous times. Why ...? The sale price was {$160000.00}, I paid a cash deposit of {$45.00}, had good credit, charged 8.69 % ( why...? ) and pulled out {$50000.00} at closing. The XXXX rep still said the numbers don't make sense, and for me to have this investigated. Current XX/XX/23 mortgage statement shows outstanding balance of {$170000.00} and deferred balance of {$76000.00} plus fees, etc. Can you please help to resolve this matter. This appears to be a predatory loan/discriminatory financial situation. I will send my statement upon your request. I am being harassed by the mortgage company, threatening to foreclose, even though I have been approved for {$60000.00} by the MD. Homeowners Assistance Fund towards paying the rears. I recently send in an application for a modification for ~ {$25000.00} from Selene Financial, waiting for a response. Thank you.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (IA)

I've been having problems with Barclays concerning my AAdvantage Mastercard. I have not used this card for any purchases since XX/XX/2021 since XXXX XXXX has quit servicing XXXX XXXX and there has been fraud activity reported on the account. Barclays did charge me {$99.00} annual fee in XX/XX/2021 which I paid. Barclays sent 19 letters on XXXX XXXX informing me that certain restrictions were being placed on my account ending in XXXX. Also I received a letter from Barclays on the same date thanking me for requesting an increase in my credit line on account ending in XXXX and raising it to {$22000.00} effective immediately. The credit card that I had at that time ended in XXXX. I never had a card ending in XXXX. Barclays told me that the account ending in XXXX would be cancelled and I would be issued a new card ending in XXXX. They asked if I needed the card in a hurry and I said no, that I wouldn't be using it anyway. They sent the new card regular mail and charged {$15.00} for expedited service. On XX/XX/XXXX Barclays sent 9 letters again informing that restrictions would be placed on the account ending in XXXX.Then on XX/XX/XXXX I received a letter that XXXX account was being closed due to suspicious activity. At that time I called and told them not to send anymore cards but I wanted to keep the account open so I wouldn't loose the ability to access my data until this fiasco was over. Now they have charged me a {$99.00} annual fee on an account ending in XXXX. Way back in XXXX this case was issued a Barclays Case number XXXX and I was told by XXXXXXXX XXXX that someone from Barclays would be contacting me to resolve the issue within two days. No one called so I called and was put in contact with someone in the fraud department. After a long conversation I was told either by someone in fraud or customer service that the matter would be resolved and that I would be reimbursed for {$15.00} charge for expedited service and the annual fee charged in XXXX XXXX but neither has happened. I've had numerous conversations on the phone about the situation and each time I felt the problem was resolved but it hasn't. I now see how old people are being ripped off each and every day by people like this. I've been inundated with meaningless correspondence red tape just to get a very simple problem taken care of.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc ()

Paypal reference number : XXXX Paypal XXXX to block my business without any reason. I use paypal to receive and send money to my suppliers simply. I am a customer since 2018 and yesterday they blocked my account and my money. Paypal XXXX reference number : XXXX Here is their message : You can no longer use PayPal. After studying your account, we have decided to restrict it permanently, as it presents potential risks. Therefore, we can no longer offer you PayPal services. No card or bank account registered on your PayPal account can be deleted or registered on another account. You can still log in and view your account information, but you can not send or receive money. If you have money in your PayPal balance, we will suspend it for up to 180 days. After that time, we'll send you an email telling you how to access your money. 

I have familiy, my account paypal it's important for me. Every day i receive money from paypal. I have nothing problem before. I'm not criminal. 

You can check my historic paypal. My customers so happy.
Consumer complaint received 2023-05-26
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: Exeter Finance, LLC. (CA)

The company is committing fraud violating my rights to privacy and accurate information on my credit report reported by the company EXETER FINANCE LLC. I submitted a complaint XX/XX/XXXX for inaccurate and false reporting by them on my credit report, they had 30 days to update my credit report with ACCURATE information, on XX/XX/XXXX i received a response saying they updated the inaccurate information and in fact when I checked my credit report on XX/XX/XXXX I noticed all the inaccurate information was there including false reporting like reporting to XXXX that I made OK on time payments 4 times XXXX, XXXX, XXXX, XXXX, when in fact the car was repossessed and auctioned off in XXXX of XXXX so reporting on time payments after that is illegal and a violation of the FCRA, I submitted a complaint around XX/XX/XXXX and they responded XX/XX/XXXX that I didnt provide any new information and what they have reported is correct which is a lie, I called EXETER XXXX XX/XX/XXXX at XXXX ( PT time ) and I spoke with XXXX who XXXX to her higher up XXXX who told me after speaking with her manager they arent sure what the usc codes in my complaint means, but they closed the complaint out. How can you close a case as accurate when you never investigated in the first place. Im trying to save this company money as well as both of us time on having to go through a lawsuit. I want the account terminated and deleted from my credit report immediately as the company has violating multiple FCRA laws and now making false responses on the cfpb complaint.
Consumer complaint received 2022-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (VA)

Filed a complaint with Aidvantage last month and with XXXX before then. Still have not received any information regarding my account or loan refund request. I requested a refund of a student loan payment from XXXX back in XXXX of this year. I requested a refund of my last payment that was made on XX/XX/2020, for the amount of {$21000.00}. I didn't hear anything back. I called back 2 months later and found out that my account had been transferred to Aidvantage. 

So I called Aidvantage and they did not have my account info. They said that it would be available " mid XXXX ''. XXXX XXXX has since passed and I still can not create an account with Aidvantage or get any information about my payment refund request, or my account at all. They lied several times and switched up the story each time I called and gave me conflicting information about dates. 

In general I received no notification at all from Aidvantage letting me know that they are taking over my account, and when calling them they have no info. Not a letter, not an email ( I checked spam folders, etc ), not a text message... nothing. I also have not received any notice or communication from XXXX that they were even transferred to Aidvantage. Calling these companies is the only way to find out info. That has to be illegal. Corporations are working behind the scenes without giving any knowledge of my account or where my information is being moved to. I filed previous complaints and made dozens of calls with both companies with no success.
Consumer complaint received 2022-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

NordstromTDBank open in XXXX my Identity was taken and chargers were made. I called in to report, creditor stopped chargers being made and a couple of weeks later it was reopened when the thieves called in pretending they were me in which it wasn't me but they had my personal info. Police report was given at the time of the call the first call. They
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (MA)

With a good credit score of XXXX, I applied for XXXX XXXX XXXX XXXX XXXX " XXXX XXXX '' balance transfer card with the intention of using its advertised balance transfer feature. 

The card is advertised at this URL : XXXX : XXXX? XXXX & XXXX From that link you can see the boxes that I filled out : they include basic demographic information, XXXX, annual income, and a box that says " I'm interested in a balance transfer '' - which I selected. 

Radio silence for a few weeks with no emails in my inbox. I called to check on my application after a week and it was still pending. A week later, I called and was told that my card had just been mailed to me with a {$600.00} credit limit. Surprised, I asked what happened to the balance transfer - I was expecting that to be defined before the card application was complete. From a perspective of common sense, {$600.00} is not a reasonable amount for any conceivable balance transfer. I am left to think that there is a missing field on the form, and my application was processed carelessly or negligently. 

When I called, they told me they were unsure about what I could do about the balance transfer, but that I could request a higher balance, which would be yet another hard pull on my credit. Over the phone, I consented to another hard pull on my credit to increase the balance limit to something that would be reasonably useful for the advertised balance transfer feature. Just now, I called back and have been told I was declined because my account hasn't been active for 6 months yet. This obviously makes the balance transfer unusable, since only 18 months are held at 0 % APR. Consequently, I have been forced to close the card having never even activated it. 

I have no idea how these two hard pulls on my credit - one resulting in a decline- have affected my XXXX score. I feel like this whole interaction has been disastrous. Emails from XXXX XXXX XXXX come into my Spam inbox under the generic name " cardholder services '', and the underwriting phone support, when I have called, have not budged beyond their stock justifications for the likely erroneous {$600.00} credit limit.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENOVA INTERNATIONAL, INC. (NJ)

Someone took a loan out in my name, they used my checking account and email address. 

Im willing to send the money back to the company minus the money they have taken from my checking account. If it was an error on their part then I will return what was deposited in my checking account - minus what has already been paid to them. There were bi-weekly payments being taken from my checking account. I did not authorize this loan to be taken out in my name.
Consumer complaint received 2023-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

The Bank entity known as Truist purchased/took over servicing of my mortagage. I did not obtain a mortagage from Truist, they bought my mortgage without my knowledge or consent. I live in XXXX XXXXXXXX XXXX, the closest Truist bank branch is in XXXX, thousands of miles away. 

Truist sent me an email that mentioned logging onto my online Truist Account, which is how I manage, pay and track my mortgage, will serve as consenting to binding arbitration for any future disputes which may arise surrounding my mortgage. There were no instructions or provisions for opting out of arbitration. I called Truist to inform them of my my non-consent to arbitration. I was then informed that I would be permanently banned from online services with Truist and any log-on or use of online services would constitute my consent to arbitration. I informed the agent that I believed this course of action to be unfair and illegal. I spoke with XXXX XXXX, a " Customer Care '' Supervisor at XXXX XXXX XXXX  XX/XX/2023 XXXX
Consumer complaint received 2023-03-20
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. (IL)

This is not a duplicate complaint and I'm not using any third party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. I have filed FTC report for this matter and I'm asking you to remove these fraudulent posted on my report hard inquiries : XXXXXXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
THESE ITEMS MUST BE REMOVED IMMEDIATELY. 
ALSO ON MY REPORT EXPERIAN HAS LISTED WRONG ADDRESS XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX- this address is not mine. PLEASE UPDATE MY ADDRESS to current as - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or information within my credit file. My credit issues are very specific, this item not mine. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that this listed item be DELETED! Policy states I have included here : copy of my SSN, ID, proof of address and FTC REPORT. I HAVE INCLUDED IN THIS PACKAGE : copy of FTC REPORT, COPY OF my DL, SSN, proof of address.
Consumer complaint received 2023-03-01
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'm an identity fraud victim. and filed identity fraud affidavit with all bureaus and creditors. the issue rises when XXXX XXXX reported a frequently opened account in my name and was sent the fraud affidavit but wont remove or delete the listing. EXPERIAN XXXX both reporting chargeoff/collection and XXXX reporting 120 days late. 
How is this possible. XXXX XXXX knows the account doesn't belong to me and you can see that clean from their reporting across 3 bureaus. Late on one and Charge off on the other two. EXPERIAN XXXX AND XXXX all reporting different information.