davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (OH)

I am writing to file a complaint regarding a failure to provide validation of debt by GM Financial Services. On XX/XX/2023, I submitted a request for validation of debt to GM Financial Services via certified mail. Despite this request, I did not receive any documentation validating the debt within the timeframe prescribed by law. 

Furthermore, I subsequently submitted a dispute to the credit bureaus regarding the debt reported on my credit report. The credit bureaus conducted an investigation into the matter ; however, I was not provided with any documentation supporting the debt as requested. 

This failure to provide validation of the debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against GM Financial Services for their failure to comply with federal regulations. 

Enclosed with this letter are copies of the correspondence I sent to GM Financial Services requesting validation of the debt, as well as documentation of the dispute I filed with the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of this issue. 

Sincerely, XXXX XXXX Enclosures : Copies of correspondence requesting validation of debt sent to GM Financial Services Documentation of dispute filed with credit bureaus
Consumer complaint received 2018-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

I have had a PNC HELOC line of credit and loan since XX/XX/XXXX. Per the terms of the loan, payments are automatically withdrawn from my PNC checking account monthly around the XX/XX/XXXX of each month. Per the terms of my loan, the automatic payment withdrawal program entitles me to a .25 % interest rate reduction. However, since XX/XX/XXXX, PNC has been intentionally misapplying my additional principal payments and not automatically withdrawing my normal monthly payments in order to benefit themselves with more interest and prevent me from paying down the loan faster. Their failure to correct the problem since XX/XX/XXXX ( despite numerous phone calls and online disputes of payments ) has resulted in me paying additional interest that otherwise would not have occurred had they correctly applied the payments or corrected the problem in a timely manner.

As you can see from the attached statements, on XX/XX/XXXX, I made an additional principal payment of {$500.00} that was initially applied to principal, then reversed to be applied as a normal payment ( principal and interest ). This caused the normal XX/XX/XXXX payment to not be automatically withdrawn and I had to make the payment manually on XX/XX/XXXX which was again applied as a normal payment ( principle and interest ).
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc. (CA)

I have a hard time trying to resolve my 1st & 2nd mortgages through a short sale. These are 2 very bad loans from subprime XXXX, from the mortgage crisis. I like many Americans did not realize how bad my loans were until the mortgage crisis hit. I tried to fight these bad loans with an attorney to keep my home. I was, unfortunately, unable to do so, and am currently doing a short sale. Both of my loans have been sold. XXXX XXXX has the first. The 2nd was charged off because it was terribly upside down, and Real Time Resolutions has now. XXXX XXXX has approved a short sale based on there BPO & appraisals at {$730000.00}. XXXX XXXX has approved a {$6000.00} payoff for the 2nd lien. Real Time Resolutions is not willing to approve my short sale. Even the real estate company reduced the fees to 3 % total to help me get approved. 

Real Time Resolutions originally asked for {$29000.00} dollar payoff. My real estate company explained to them how absolutely ridicules, and possibly illegal that request is. Real Time Resolutions then dropped the amount to {$15000.00} stating they need 10 %. XXXX XXXX investor guidelines will not allow more than {$6000.00}. Real Time Resolutions is forcing me into a foreclosure. 

My main complaint against Real Time Resolutions is obvious greed and predatory lending practices. Real Time Resolutions is stating that because my 2nd lien is not XXXX XXXX or XXXX XXXX they will not accept {$6000.00}. These are obviously good guidelines for mortgage loans. BUT because my loan is a fraudulent subprime loan from the mortgage crisis from XXXX they will only accept {$15000.00} or more! How is that even legal in America? How can this company ethically behave like this?? Because my loan is a bad loan from the mortgage crisis they demand more!! This is plain and simple predatory lending practices.
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$170.00}
Consumer complaint received 2019-08-23
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC. (OK)

On Saturday XX/XX/XXXX, our ATM information was used illegally at an ATM for {$500.00} plus ATM fees. The card was and is in our possession and I am the only card holder or account user. 
My card was skimmed by thieves at an Arvest location as its the only place I use my pin. 
Arvest called me Saturday to report the crime right after it happened. They notified me it was fraud. They knew it was fraud. However, they didnt cancel the transaction, give temporary funds, or fix the issues after 10 business days or 14 actual days. Still no funds, temporary credit, or a statement why they are keeping our money. The terms state after 10 days they can only keep {$50.00} and must credit us for the rest of the amount. 
Even though Arvest informed us it was fraud the second after it happened we had to file a dispute on the first business day Arvest was open. We did. We requested temporary credit. They refused  and told us to get in line. 
Now 10 business days have passed and they refuse to return our money. Our mortgage payment was due with Arvest on XX/XX/XXXX and we can not pay until they return our money. Weve called 4 times to resolve this but they only care about their customers. 
In addition ATM usage fees were charged by Arvest to us for a thief using a non Arvest ATM. They still refuse to refund those as well even though that is 100 % under their control
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

I closed a XXXX credit card account in XXXX I went through XXXX XXXX to pay them off, they accepted the pay off amount received it on XX/XX/XXXX and then decided to come back for the balance on XX/XX/XXXX this has impacted my XXXX XXXX and seems illegal, I have a letter from XXXX XXXX  showing that Macys Citibank agreed to the pay off amount.
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (DC)

On XX/XX/2021 I terminated a contract for XXXX XXXX and returned the equipment ( router and EMTA ) via a XXXX store. The next day moved I moved out of an apartment in New York. Also on XX/XX/XXXX a claim for {$120.00} was sent by XXXX to debt collections agency I C Systems. From my XXXX bill for XX/XX/XXXX I can see that a {$120.00} charge for unreturned equipment was added to my bill. Yet on XX/XX/XXXX a XXXX service agent confirmed that my equipment was received on XX/XX/XXXX and no balance was owed. I now have a derogatory mark for an account in collections which has significantly damaged my credit. I disputed the account vis XXXX and they rejected the dispute claiming the debt was valid. 

I have proof of all of this : I kept my XXXX  receipt ; I have billing documents from XXXX ; I have the credit report information showing the account was opened on the day I returned the equipment. I have contacted XXXX who confirm there is no balance owed and are writing a letter to that effect. I have attempted to dispute with IC Systems ( results TBD ). 

I think I will eventually be able to resolve this for my account but it has taken up hours of my time and delayed my access to financial services ( I was trying to apply for a credit card which my current score would not qualify for ). My partner and I also wish to purchase a house next year and this could cost us a fortune ( or months of our lives ) if it is not resolved. Light googling reveals plenty of other people suffer the same treatment and many of them were less fastidious record keepers and are simply out of luck. This is also the *second time* I have had issues with XXXX for non-return of equipment so I know it is routine ( and is why I kept all documents ). 

It is, in my view, extremely unethical and should not be legal to send a bill for unreturned equipment to collections prior to the end of the window for equipment to be returned plus some buffer for things to actually be processed. It is an attempt to collect on debt before it is even possible for it to be owed. I am certain that as a scare tactic it cows plenty of people into paying and pads XXXX bottom line.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

COMPANY IS LISTING INCORRECT INFORMATION, 30 DAY LATES AND I HAVE NEVER BEEN LATE. I REQUESTED THAT THEY DO RESEARCH AND REMOVE. i ALSO OPTED OUT FOR ALLOWING ANY NEGATIVE INFORMATION TO BE SHOWN ON MY CREDIT REPORT.
Consumer complaint received 2018-11-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (CA)

Back in 2016 I attended XXXX University. I applied for financial aid and was awarded the aid. I end up failing the class and now they are trying to charge me the full amount of the class when they were paid. My financial was never sent back to XXXX XXXX XXXX XXXX XXXX. I do not owe that debt as it was paid when my financial aid was disbursed.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (MO)

I went to freedom debt relief after paying my credit cards half on my cards and even paying some in full only to find out my estrand husband ran all my credit cards up behind my back so i reach out to freedom debt relief was in program 21 months they took XXXX dollars from me only to find out they had done nothing but. took my money my check started get garnish i started getting judgements now im about to be homless
Consumer complaint received 2019-08-26
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: TD BANK US HOLDING COMPANY (GA)

On XX/XX/2019 when applying for a loan to purchase a car. I authorized XXXX XXXX to run my credit one time to a specific lender. They assured me that It would be only one. I have been getting notices from creditors that I don't recognize stating that XXXX gave them permission to run my credit. That has been reported to my credit reports ( all 3 of them ) over 33 or more times which is causing adverse actions on my Credit reports.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (TX)

Called Discover card on XXXX and spoke to a XXXX, after a few minutes when discussing why we needed to reactivate the card off the hardship program, explaining my husband had XXXX, she replied oh im sorry it isn't a good time, then tried covering her tracks stating she was talking about the program. It was disgusting, How is having XXXX at any point a good time?
Consumer complaint received 2018-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Under the guise of employment at the company as a project manager, XXXX XXXX XXXX, supplied a Contract of Employment and had my wife take a series of 10 case studies on leasing and international trade. On successful completion of the training she would receive {$2000.00} and an offer of employment. My wife was a good student and got all " A '' s. Pleased with her performance they asked her to help set up the office in XXXX, NJ. They sent a Purchase Order for 12 XXXX. They said we would not be at risk as our Citibank credit card would be reimbursed from an account at XXXX -Account number XXXX routing number XXXX. Indeed, on line we saw that funds had been received by Citibank from XXXX. On that basis we express mailed the phones on XX/XX/XXXX via USPS to : - XXXX XXXX, Room XXXX, XXXX Floor, Poly Center, On Lok Tsuen, XXXX, XXXX XXXX. The USPS tracking number for the first item of 6 boxes each with 2 XXXX was XXXX. Per the tracking number the phones were delivered on Tues XX/XX/XXXX. Subsequently on XX/XX/XXXX Citibank emailed that There was a problem with your online payment ( actually a reimbursement ) of {$6000.00}. We called Citibank and on a recorded line we asked several times and they confirmed that a second online payment for {$5600.00} had been received. The reference for the recorded call with Citibank is XXXX. That put our mind at rest. One week later, on XX/XX/XXXX, we received an email from Citibank that " A payment was returned unpaid ''. We have been unable to contact the company representatives by phone and email. They have disappeared. Had Citibank not confirmed receipt of the payments we would have had time to notify the shipper of our suspicious of a fraud. 
We have notified the local Police Dept in XXXX, NJ. The Case Number is XXXX and their phone number is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

We spoke to Citibank again today, XX/XX/XXXX, to both customer service and the fraud dept. We were told that as the charges were valid we were liable. I informed the representatives that had Citibank not provided false information specifically on the status of the reimbursement we would not be in this position. They told us they would try to investigate. 

Notes. 
1. This fraud was very well organized and it seems unlikely they would go to this much trouble and not do this on a large scale.

2. It seems that the criminals know the credit card payment systems better than Citibank 's employees.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (MD)

XX/XX/XXXX i got sick and spend a few days out of work two weeks after i was told that i needed to have surgery i spend two months at home after the surgery and receiving a short term XXXX check which was less that the haft of my check a wasn't able to make my payment on time. XX/XX/XXXX i was able to go back to work and started pay off my bill and getting all up to date and when i check my report i saw how much this ad affected my report.
Consumer complaint received 2021-12-22
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. (CA)

I pulled my credit report in XX/XX/XXXX, rather Experian sent it to me in XXXX, XXXX at no time on the report sent to me by Experian did there note nor was there indicated a repossession on my credit file, I went to purchase a vehicle in XXXX, XXXX and the dealer showed me my report they ran which also showed NO REPOSESSIONS on my credit report. I was denied based on credit utilization and told to get my balances down which I did ; I went yesterday to attempt to purchase the new vehicle again and now all of a sudden, XXXX  is listed a repossession on my credit file which was never there. I am now being denied based on a repo on my credit file. How can these credit unions get away with just inserted whatever they want on your credit with no oversight? This is ridiculous. They can't go back in time to XXXX and all of a sudden add a REPOSSESSION! How is this possible? Experian refuses to investigate this saying " well they said its accurate '' so despite me showing the report they sent me and the report from the dealer from XXXX and the report not where it wasn't there and now it is, no one will help me. Its absurd! I am also filing a complaint with the CFPB regarding Experian inability and unwillingness to look into the matter. I am also requesting a 100 word statement on my credit file describing the shady tactics. I feel my complaint to this office regarding another matter with XXXX reporting inaccurate information on an old account has prompted this vindictive and retaliatory action of all of a sudden inserting and changing along with backdating information. The statute of limitations on this debt has expired and should only be on file for " up to '' 7 years. XXXX is in violation of FCRA and FDCPA. Its ridiculous and unfair. You can seen the report Experian sent me from XX/XX/XXXX there is no REPO listed, you can then see the credit report ran by the dealer in XX/XX/XXXX again no repo listed, then in XX/XX/XXXX you can see all of a sudden Experian has listed a repo on my file that wasn't there previously and it goes back to XXXX.
Consumer complaint received 2018-04-10
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. (TX)

I have requested validation of the late payments for my student loans with XXXX and US Dept of Education on my credit report. I received deferments and forbearances, which all were back dated. The FTC advisory opinion interprets Section 623 ( a ) ( 2 ) of the FCRA as how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. The late payments do not reflect my in school status.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (KS)

I sold my truck to a dealership and the dealership paid my lender, Toyota Financial, in full. Toyota Financial sent the release of lien to the dealership weeks ago. Toyota continues to report the vehicle to my credit report. I sold the car in XXXX. In XXXX, Toyota report it 30 days late. Last week, at the end of XXXX, Toyota reported it 60 days late. AFTER it has already received a full payoff and released their lien. I was never late on this payment once. Attached is my proof of vehicle sale in XXXX.
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (FL)

XXXX just put a bill for charges they admitted to me over the phone that this amount XXXX was for equipment that was incorrect because they then said I paid off my equipment so I spoke 5 times to XXXX and was assured they would correct this but no I see this today now on my report and I am trying to fight so hard to be treated fairly and have accurate information on my reports with all 3 beaures but I am getting no where just treated very unfair Im XXXX and about to contact the fair treatment for XXXX people this is insanity all I need to complain about
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (WA)

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status Collection account. {$120.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX {$670.00} XXXX updated XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt
Consumer complaint received 2023-04-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NV)

This is my 5th inquiry about my savings account at Ally Bank. I have 4 messages about my previous inquiries that state the issue has been resolved, but now I can't log in to my account to see my balance and see if they ever paid me my {$500.00} bonus and what they are compensating me for all of the time I have spent getting them to resolve this matter. What did they do? Steal my money and close my account?