davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$1000.00}
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (CA)

The problem is a ongoing problem with Fortiva credit. I attempted to get a head of my obligated monthly payments by paying my payments in a month in advance. This was due to having so many problems with Fortiva billing. XX/XX/2020 I made a payment of {$50.00}. Since there were no payment due for XX/XX/2020 because XXXX payment was made in XX/XX/2020. My payment are due the second of each month. So I made the payment after XX/XX/2020 that posted on XX/XX/2020. The exact same day my XX/XX/2020 statement was generated. Around XXXX XXXX I started getting texts message saying I had a payment due in the amount of {$42.00} due XXXX XXXX. I call customer services only to get someone attempting to get me to lose my cool by making up reasons that made no sense at all. I have sent a email to the CEO office and received no response. I have sent a email through general contact no response. Today I check my account and its past due. I went from having no payment due to being past due over hundred and some dollars. After going back and reviewing my account adding up all payments and fees. Too my surprise the requested payment of {$42.00} was actually my payment of {$50.00} minus {$7.00} which is the monthly service fee. I have gotten matter resolved by going to the XXXX then and only then did Fortiva corrected billing inaccurate statements. All the text message and trying to force me to pay the past due amount {$42.00} stating its past due when the payment was made. I dont know what to do because making any kind of payment would be saying I agree with the billing thats incorrect. Now I am in danger of outrageous charges that can get in the thousand of dollars quickly if not resolved. I feel this is complete fraud due to having to deal with the exact same thing month after month with Fortiva credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca ( XXXX ) XXXX-XXXX
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX XXXX  XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with XXXX and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (CA)

On about XX/XX/XXXX I discovered that my payment for GM financial had not been applied. I was surprised because I had been up to date until XX/XX/XXXX and was on autopay. As soon as I realized that I had a payment due, I paid it. I've been attempting to find out what happened with my autopay and why I was reported so quickly to the credit bureaus. I've called XXXX twice, on XX/XX/XXXX and on XX/XX/XXXX to attempt to have the XXXX XXXX  late notice removed from my credit. They've told me that they don't have a way to fix this issue and that I have to go through the credit bureau 's to have the XXXX XXXX late notice removed from my credit. I've attempted what GM Financial suggested and that has not worked. Ideally I was hoping to fix this issue with XXXX XXXX about this issue but they have stonewalled through their customer service. They don't have a mechanism to solve this kind of credit reporting issue. 

I don't understand how they quickly report that someone is late with payment without having a mechanism to help fix this issue. But also that they didn't give me much of a chance to fix this issue with them. I only discovered the issue after seeing that my XXXX XXXX had decreased. I don't think it's fair that they didn't communicate with me at all but quickly reported that I was late.
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ORG GC GP BUYER, LLC (MI)

This is a formal Notice XXXX XXXX that GC Services Limited Partnership has violated my rights as a Federally Protected Consumer and must provide me with compensation pursuant to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Fair Debt Collection Practices Act and has REFUSED my demand for monetary relief. 

GC Services has failed to address and resolve their violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arising from their written and oral communication with me. See attached Notarized Affidavit for the specific violations and how GC Services violated me. This matter must be addressed. 

The XXXX and XXXX Notice that GC Services has received illustrates that they may contact me to invoke the specified remedy I have demanded. If GC Services continues to ignore my demand for monetary relief I will seek my remedy through litigation.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm in the process of buying a house the lender keeps pulling my credit with my brother and sons information on it. When I call the bureaus, all 3 major ones to get the issue resolved I get a confirmation number and a reassurance that the issue will be resolved. That was a year ago and the issues still stands. Which is causing me to be homeless and holding up the closing date for my newly built home. I'm so frustrated cause they keep telling me it takes up to 30 days to correct. I don't have that time anymore and it's not my fault it wasn't done correctly a year ago.
Consumer complaint received 2022-11-01
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)

XX/XX/2021, I went to the car dealership, in which they pull multiple hard inquiries was pulled from Experian such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also I was hit with XXXX more hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called all lenders they have stated they show no information with my name connected to accounts or loans. I have reach out to the Credit agency, I was told I have to speak with the companies or agency who have reported the inquiries.
Consumer complaint received 2020-08-13
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. (NY)

Theres two accounts on my credit report showing closed on my credit report which is XXXX XXXX XXXX and XXXX XXXX and should be removed from my credit report my XXXX XXXX XXXX was never late
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

From XXXX to XXXX, I had a checking account at Citizens Bank. Beginning with my monthly statement for the period ending XX/XX/XXXX through my statement ending XXXX XXXX, XXXX, I was charged each month a {$2.00} fee for receiving a paper statement. I called the XXXX number and asked how they could charge a fee for paper statements if it is a federal requirement that the bank provide me with a monthly statement. I was bounced around between XXXX different people : XXXX, XXXX, XXXX, and XXXX. I got nowhere because my account records have been purged. I am glad I did receive paper statements because their record retention policy is awful. A few days after I called customer service, I received a call from XXXX XXXX in the XXXX 's Office. ' She wasn't helpful because all she said was that I had 30 days to report any errors on my statement. This was no error because it was bank policy to charge a fee for receiving paper statements.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (CA)

On XX/XX/2022 XXXX XXXX XXXX ran my credit and gave me a home loan inquiry on my credit. I am not searching for a home at this time. I am unsure how you can process a home loan application without checking identification.
Consumer complaint received 2020-08-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (HI)

I've had a refinance application in with Navy Federal Credit Union since XX/XX/2019. I've been through 2 and now I'm on my 3rd processor. I was told that this person is a supervisor. I've had my credit pull 3 times I had the appraisal done this year and I hope it's still valid because I don't want to pay or go through that process again. I've been to the branches, sent numerous emails and made as many phone calls. I understand that there is a global pandemic but, my point to them was this process was started XX/XX/2019. If this was done promptly then it wouldn't have been a problem. What can you do to help me? To the best of my knowledge I've been in the final stages for months. I was told to choose an escrow company and I did but, neither them no I know what's going on. Take a look at the screen shots that I've uploaded and you can see that I've provided everything they've asked for in XXXX.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

I have made several attempts to have this corrected. My credit file is being mixed up with someone else who has a similar name and social as mine. I mailed a letter asking Jefferson Capital Systems to verify the debt owner on XX/XX/XXXX. I never received a response, but it shows up on my credit with a note stating it meets FCRA requirements. I mailed a letter on XX/XX/XXXX requesting to see what information was used to verify the debt. I have not received any communication from Jefferson Capital Systems. It has been more than 30 days.
Consumer complaint received 2020-08-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am the victim of identity theft. I have notified SPS/Select Portfolio Servicing on XX/XX/XXXX and XXXX of XXXX  and again on XX/XX/2020 to CEASE AND DESIST THE ATTEMPT TO COLLECT OR TO REPORT THIS FRAUDULENT DEBT. 
I have mailed numerous letters which I have attached to SPS/Select Portfolio Servicing notifying them that I will only speak to the original creditor of this fraudulent debt. 

Please see letters sent to SPS/Select Portfolio Servicing.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

I graduated from XXXX Arizona University in XX/XX/XXXX. In XXXX of XXXX I experienced a death in the family and went back to XXXX XXXX in XX/XX/XXXX to support the family. For the year of XXXX I lived in XXXX and did not have a cell phone or access to the internet, due to my remote location. Apparently, my student loans had a grace period of 180 days. The 180 days should have been up in XX/XX/XXXX. XXXX, my student loan servicer, never got in contact with me directly to state I had a grace period or that it was up in XX/XX/XXXX. However, they placed derogatory remarks on my credit report without ever notifying me to let me know it was time to begin paying back my student loans or that the loans were moving to past due. Although, when I reentered the United States I began paying back my student loans in XXXX. I have contacted nelnet about this issue and they refuse to take the derogatory remarks off my credit report.
Consumer complaint received 2020-06-11
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: ID Analytics, Inc. (TX)

I received a letter ( dated XX/XX/2020 XXXX from XXXX XXXX  after applying for financing through a car dealership. The bank included credit scores from XXXX different companies. The score from XXXX  was XXXX. The score from XXXX, a company I have never even heard of until now, provided a score of XXXX. There is only a phone number and an address listed for XXXX in the letter. I called the phone number, but there is no one you can speak to. You can only leave a voicemail. 

The factors listed for the score of XXXX are : Not enough bankcard debt experience Time since most recent revolving account established Length of time oldest bank revolving account has been established too short Too few installment accounts I do not see how these factors are relevant to me. I have had an active bank account with the same bank for over 20 years.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited a payroll check from my employer on XX/XX/XXXX of {$1700.00}. A hold was put on the check immediately and it stated the funds would not be available until XXXX. I contacted Chase Bank on XX/XX/XXXX and XXXX. They said they need to verify that the check has cleared. I contacted my employer whom contacted their bank on XXXX. The bank where the check was from said the check cleared on XX/XX/XXXX. Chase Bank has not lifted the hold on my check and customer service has not been helpful. There is no reason to keep the hold on my account when the funds are cleared.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

XXXX  has permitted the collection agency of XXXX, XXXX XXXX XXXX XXXX to report an inaccurate account on my credit reports. Upon further review, the account apparently originated from a property management company called XXXX XXXX XXXX. I have no knowledge of this account. In accordance with 15 U.S.C. 1681i ( Fair Credit Reporting Act ), 15 U.S.C. 1692 ( a ) ( Fair Debt Collection Practices Act ), 42 U.S.C. 3604 ( Fair Housing Act ), and California Government Code 12940, et. seq. ( Fair Employment and Housing Act ), please provide validation of the debt.
Consumer complaint received 2022-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC (FL)

I believe that Monterey Financial ( XXXX ) engaged in deceptive and predatory lending practices which potentially violate the Servicemembers Civil Relief Act ( SCRA ), the Military Lending Act ( MLA ), the Consumer Leasing Act, and the Truth In Lending Act. The closed-end product lease I was given greatly exceeds the MLA 36 % limit on loans charged to military personnel. I was also not given a copy of the lease to review until requested directly on XXXX XX/XX/2022 ( attached as XXXX Contract ), several months after the lease had gone into effect, and initially I was given someone else 's lease documents ) attached as XXXX ). I was only given a verbal disclosure and a form to sign online but it did not include the lease information. Additionally, the provided lease document has my name and information but not my signature. Further, the XXXX tolling period for the Satisfaction Guarantee Buyout Guarantee did not account for time I was XXXXXXXX XXXX XXXX XXXX XXXX and I consequently missed this timeline by XXXX day. The lease also contains a binding arbitration clause which I believe directly violates the MLA and SCRA. I provided a letter to the company on XXXX XXXX ( attached as XXXX  Dispute ), outlining all this but was told my claim does not have merit. I have attached documentation to provide additional details.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

To all those concerned, I'm not happy. For that matter neither is my husband. He just re-filed a complaint yesterday and now I have to file one as well. We don't know what it's going to take to have the credit bureaus delete accounts from our credit reports which are wrong. Recently they responded to both mine and my husband 's complaints with letters saying to be more specific with our disputes. We were very specific when we were mailing out letters to them all these months. How can they get away with this? How can you let them? Do my husband and I have to take matters into our own hands and sue them?
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Hi All, I have leased a Toyota with Toyota Financial Services for years. During COVID and since most dealerships were closed, I agreed to extend my lease for up to 6 months. My account information including bank account have been on file and authorized to charge monthly. For some unknown reason and without any kind of warning, they filed a credit score dispute which as a result dropped by credit by -40 pts and I was in the middle of a PPP loan application for a small business. They may have interfered with this loan as a result with a fraudulent charge, showing an inconsistent amount that I do not owe this dealership.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (TX)

I am in the process of buying a home. I had a complete name change legally. I updated that with all three credit bureaus. For some reason XXXX  different mortgage lenders have been unable to get a credit score or report from Experian. From mid XX/XX/2022 up until today XX/XX/2022 I have spoken with XXXX different agents at experian who have assured me that my name is updated and XXXX should be no reason why the lender shouldnt be able to obtain and score/report for me under my new name. This is unacceptable, frustrating, and has help up my family being able to get a home. Its despicable that this agency has continuously given me false information and still no resolve!
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

On XX/XX/XXXX I issued a wire from my Wise account to my local business account. The wire was rejected by my local bank on XX/XX/XXXX ( due to incomplete information ) and returned to the sender ( Wise ). I reached out to Wise. Wise issued a recall on the money on XX/XX/XXXX and told me it would be between 1 week and 1 month for the money to find it's way back in my account. It is now XX/XX/XXXX and the money has not yet been returned and I'm not sure they're doing anything to get it back. The amount is {$6500.00} USD.
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

A. I have a mortgage with NewRez LLC B. I also have home owner 's insurance with XXXX C. I have been making my monthly mortgage payments in time D. NewRez LLC informed me that they have taken home owners insurance and billed me for it. 
E. I called them and got XXXX to send them the policy by email and also uploaded the policy F. I paid the mortgage for XXXX on XX/XX/20 and for XXXX on XX/XX/20 G. NewRez kept the money in the suspense account because I did not pay extra money for home insurance taken by them inspite of the fact that the XXXX policy was sent to them multiple times. 
H. NewREz also informed many credt agencies about missing mortgage payments and thus effecting my credit and my attempt to refinance at lower rates.
Consumer complaint received 2020-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (TX)

In XXXX I requested a review of my escrow account because it is an FHA loan and the amount owed has dropped below 20 % so that the PMI should not be charged to my account. I was told they would conduct a review and that I would receive a letter within 30 days. 

I contacted them again in XXXX to follow up and I was told they had conducted a review and that I was entitled to a refund and that a check would be mailed to me. 

I contacted them again on XX/XX/XXXX and I was told they stopped charging me the escrow payment but they needed to conduct a review and that a request for review and refund had never been submitted and that a review would take until XXXX at the end of the year. This makes no sense. How did they determine to remove the escrow unless they completed a review. It seems they are holding onto my excess escrow for some reason. 

At this point, it seems like they are withholding my escrow refund purposely for some reason. It has been 6 months and now Im being told it will be near the end of the year, fo them to conduct yet another review..