davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (OH)

On XX/XX/XXXX I turned in my lease to XXXX XXXX in XXXX OH. Vehicle was under milage and in excellent condition. I purchase another vehicle from this dealer. I received a letter from GM financial stating they received the vehicle from XXXX XXXX. I never had any other billing statements from GM financial. 
On XX/XX/XXXX i received a notification from XXXX XXXX regarding a change to my credit. GM financial had put a late payment on the credit report. On XX/XX/XXXX I called GM financial and was told i had an outstanding termination bill for a Disposition Fee. I explained to XXXX Badge Number XXXX that there was a billing error and never received any notifications. I asked for her to remedy the situation by removing the mark. She declined. I still immediately paid the balance in full and felt very betrayed by General Motors whom I've purchase 8 brand new vehicles from.

I was told GM financial mails only 1 statement for end of lease. Even after the original due date GM financial made no attempts to contact me. After the lease i periodically checked the online payment portal and my balance was always XXXX Paid in full. XXXX told me end of lease charges are not linked to there own online payment site. 
This charge was not a reoccurring installment loan. Being a 1 time bill GM financial did not act in good faith to collect. I don't believe 1 statement for a non installment load is correct under the Fair Credit Billing Act. GM Financial has since marked the account as closed to credit bureaus but has insisted the late payment stands. On my credit report prior to GM Financial i had 100 %, 248 month consecutive payment history. I am seeking removal of late payment do to " Billing Error ''
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (PA)

Never received notice to dispute.L J ROSS ASSOCIATES, INC placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (OH)

Between XX/XX/XXXX and XXXX XXXX took XXXX out of my account this was unauthorized they autorenewd already cancelled subscriptions and refused to give me my money back so I contacted my bank Money Lion to dispute the charges and today XX/XX/XXXX is the XXXX day since I filed my disputes and under regulation E they have XXXX days to resolve dispute or issue a provisional credit while they continue to investigate and they havent issued updated and keeps saying I may not be eligible for the credit when I sent the written confirmation in on the same day I filed the dispute and the unauthorized transaction meet the requirements under regulation E and they refuse to connect me with the dispute department or giving me a update furthermore more the deposits that were posted into my account by mistake were XXXX payments made out to me for my daughters and these checks are to be used for their expenses only they have no obligation with anyone to owe any money
Consumer complaint received 2018-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (FL)

XXXX card issued by Incomm/XXXX  will not allow activation without emailing to a generic unsecured email address copies of Driver 's License, SS Card, and utility bills. This is an unacceptable and completely insecure means of sending what is essentially all the necessary pieces of information to completely steal a person 's identity. Multiple calls to customer service have revealed that they have NO other option to protect their customer 's PII.
Consumer complaint received 2023-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was sent a job for a XXXX XXXX. Stated that it would pay XXXX weekly. I just need to send money to my Bosses clients. When is did I learned that the check I received was fake and I got scammed {$100.00} of my own money. He was suppose to send me money so I could sent it to his clients he said he would pay me back and he ghosted me. This happens XX/XX/2023 but then throughout the week after he would text me to try to get me to send money to his other clients but I declined.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

i am a victim of identity fraud i have been getting alerts that my information is on dark web and the following accounts and inquiries on my credit files when i pulled them where opened without my authorization or knowledge collection account - XXXX XXXX original creditor XXXX in the amount of {$1900.00} opened XXXX collection - XXXX  in amount of {$190.00} opened - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX in amount of {$520.00} opened XXXXXXXX XXXX XXXX XXXX - original creditor XXXX XXXX XXXX XXXX in amount of {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX- in amount of {$500.00} opened XXXX XXXX XXXX XXXX / original creditor -XXXX XXXX in amount of {$1400.00} opened - XX/XX/XXXXXXXX XXXX XXXX - balance {$260.00} opened - XX/XX/XXXX XXXX  XXXX - credit limit {$13000.00} opened XXXX XXXX XXXX XXXX balance {$57000.00} opened XXXX XXXX  XXXX  - balance {$48000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX  - {$500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  - {$440.00} opened XX/XX/XXXX
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These inquiries do not belong to me, i obtained a copy of my current credit report and noticed inquires that i did not authorize and i would like it to be removed immediately
Consumer complaint received 2023-01-20
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. (LA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank has NOT reported any of credit cards account information to any of the three major credit bureaus in more than 90 days ( Over three months ) their last reporting was in early XXXX and this is negatively impacting my credit score, since i have been consistently making payments to lower my balances and as of XXXX all of my five accounts with Comenity bank had been paid in full. However, as of today XX/XX/15 has yet to be reported to the credit bureaus. 
When I contacted them they couldn't even provide a reasonable ( if any ) excurse at all as of why they have failed to report to the credit bureaus. 
My responsibility lies in paying these bills every month. Theirs is to report to the agencies. I been doing my part why haven't day?
Consumer complaint received 2022-09-15
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I received the attached document from XXXX XXXX XXXX today XX/XX/XXXX. They claim my late payment occurred in XX/XX/XXXX. Their records clearly show the actual late payment occurred in XX/XX/XXXX. I would like my credit to be updated with accurate information and change the late payment from XX/XX/XXXX to the correct date of XX/XX/XXXX. It is not right to damage my credit now for a late payment 17 months ago. I have been working to rebuild my credit in the last year and this was an undeserved hit on my credit!!!! Please suggest the company correct this inaccurate entry. 
Please provide me with information regarding the next step to take if they are unwilling to cooperate. Would it be to involve an attorney? 

Thank you, XXXX
Consumer complaint received 2019-12-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

My credit score from Experian consistently ( for years ) VERY different from the other 2 agencies : XXXX  and XXXX.

For example right now my credit score are XXXX at both : XXXX  and XXXX. and only XXXX at Experian ... .. 

I have contacted Experian by phone many times about it ( because there is absolutely no way to do it on their website ) with no results. 
They are just ignoring me every times I call. 

Experian representative always are not willing to discuss anything when I am saying why my score are XXXX! points lower with you? They are saying : " everything is correct on our side ''. 
How it can be such a huge difference for years?! 

Please help because it seems like Experian thinks they are above the law and don't need to explain or fix anything to a regular consumer but ... we are country of Law! 
Please help me. 
Thank you very much. Respectfully XXXX XXXX
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. 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
Consumer complaint received 2023-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (NC)

I received the attached letter from First Federal Credit Control XXXX XXXX dated XX/XX/2023. I already advised them over a month ago this balance was paid. However, they are attempting to collect a non-existent debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a paralegal and have worked many years previously in debt collection. I want in writing that this was a mistake sending this letter so that I have this for my records. It is not legal to threaten to furnish a non-existent debt to the consumer reporting agencies. Also, just for this company 's information, when they say " THIS DEBT WILL BE REPORTED TO THE NATIONAL CREDIT BUREAU, '' that is also inaccurate and they should look at updating their letter. They do not " report '' they " furnish '' information to the consumer reporting agencies. I've attached the debt collection letter, as well as the receipt showing this was already paid.
Consumer complaint received 2019-12-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

A little over a month ago I started a refinance with New Rez Mortgage. My loan officer was XXXX XXXX. I have been waiting for this loan to close for now over a month. I was assigned a processor by the name of XXXX XXXX who was supposed to take care of the final collection of docs etc. I attempted to email XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX requesting some kind of ETA when the loan was going to close. XXXX would email me back telling me he was checking on everything and would get back to me. XXXX on the other emailed me specifically on XX/XX/XXXX, told me she would give me a status on my closure before she left for the day, and didn't respond back to me. Come to find out - she no longer works for the company. I have now been reassigned to a processor by the name of XXXX. I didn't this information out until AFTER I bugged XXXX yet again to find out what is going on. Now - I have emailed and called XXXX on XX/XX/XXXX and XX/XX/XXXXwith no response on a status to my loan. I have now left a message for XXXX 's supervisor XXXX DEMANDING when is my loan closing. I am anticipating $ 20,800+ back from this refi which I need to do repairs on my home. Plus, I have paid them {$500.00} for an appraisal. Where has that money gone? Where is my money? This is the third time I have refinanced and not once have I seen a refinance take this long to close.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

XX/XX/XXXX {$5000.00} wire transfer to XXXX XXXX. 
XX/XX/XXXX & XXXX wire transfer to XXXX XXXX. 
XX/XX/XXXX {$21000.00} wire transfer to XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX for XXXX My account was completed lost. I never received any notification from the back about unusual activity. Multiple complaints filed with USAA. Fraud at USAA completed an investigation and found it was not fraud in their opinion. Was informed there was nothing else they could/would do. 

XX/XX/XXXX Police report filed with the XXXX Police Department.
Consumer complaint received 2021-08-31
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: The CMI Group, Inc. (MO)

I was living with someone and they used my information to open a Wifi account and didnt change it to her name after I called to cancel it so Im being charged for something thats out of my control. I didnt have the information for anything for the XXXX  not the product to return when I called and reported my account needing to be closed due to someone using my SSN. They said they handled it
Consumer complaint received 2019-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (LA)

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 XXXXCorporation Thats the link to their business. They are closed down and have done this to many others. This is not a debt I am aware of and every month it increases by {$1.00} or {$27.00} its very random. I try to dispute but nothing ever happens.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is a collection account reporting on trans union that I have provided information for showing I do not owe for this account. The items previously purchased were returned and I received an email from customer service of the company that I would not be turned over to collections. I have asked for Tansu ion to remove this collections account and provided proof with the email from the original creditor however the collection account has not been removed.
Consumer complaint received 2019-02-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (AZ)

I called XXXX XXXX XXXX XXXX to negotiate a pay for delete for my balance that was owed to them. The associate on the phone agreed verbally to send me a letter of proof for the pay for delete. This phone call was recorded. all of my phone calls to this collection agency was reported. I called multiple times. They confirmed they would do this. When I got the letter it was NOT a pay for delete letter releasing me from the debt owed. It was a letter showing my account balance was at {$0.00}. So I then disputed this with the credit bureau. Not only did they offer a pay for delete letter in return for me to pay the account balance owed. They told me they would delete the owed balance off of my credit report with in 30 days. I called them today XX/XX/XXXX. More than 30 days later and a supervisor informed me that there is no such thing as a pay for delete letter with in their company. And told me that I had to DELETE MY DISPUTE with the credit bureaus in order for them to work with me. And from the day that I delete my dispute. They will then take an additional 30 days in order for them to recognize this account paid in full and delete this off of my credit report. This sounds very odd and unprofessional. And at no time did any one mention that I was not allowed to dispute things on my credit report. Usually when an account is paid in full and the company agrees to send a letter for pay for delete. They fulfill that obligation. And if it so happens that the account is disputed. The process is simple. They answer to the dispute. The supervisor told me on the phone that once I cancel my dispute that they will THEN follow through and update my account with the credit bureaus after 30 days. 

I have attached the letter that the company fraudulently sent me instead of the pay for delete letter as agreed upon in return for paying the balance owed in full. I also dont believe its appropriate to punish some one for disputing something on their credit report and making them cancel their dispute in order to recognize the debt paid in full and delete the account on a credit report. This deeply affects and individuals credit and quality of life.
Consumer complaint received 2023-02-04
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. (PA)

Someone has been applying for things using my information I also contacted the creditors I would to have these inquiries removed immediately these are the names of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2019-12-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NJ)

the complaint was about my Paypal online credit card account sent to collections, the type of an issue that I'm having with the company paypal is unsolved and unsatisfied its an issue with my paypal account so what happened the paypal credit dispute or fraud team associates use there authority to recharge my  account after they have giving me a XXXX credit, they and charged back XXXX plus a recharge fee of XXXX which totals up to XXXX now they assume that there expecting me to pay all in full and if not paid within 21 days they will close my other credit card accounts that are in good standing I never had an issue with them paying my account I have always been on time never been late paying my monthly payments.so just to let you know that the paypal fraud department team and collection department is all involved in wanting a full pay of XXXX when the charge was maid online through paypal. this is unfair and should be handled in a fair manner with out prejudices and have this department contacted and directed to do the fair and righteous thing to solve this problem in a fair manner. thank you sincerely.XXXX XXXX.