davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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: General Motors Financial Company, Inc. (NV)

Made loan application to GM Financial XX/XX/XXXX. XXXX received XX/XX/XXXX stating loan couldn't be approved " based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. '' Sent letter XX/XX/XXXX " requesting disclosure of this information under terms of the Fair Credit Reporting Act. '' XX/XX/XXXX, XXXX PST-phone call to GM Financial ; XXXX unable to take call due to high call volume. '' Called back @ XXXX ; on hold until XXXX ; XXXX transfers me to Funding Dept-GM Financial Americredit ; XXXX transfers me to Customer Service; I was instructed to contact dealership for my requested information. I decided to give GM Financial time to respond to my written request before proceeding. 

XX/XX/XXXX XXXX PDT-called GM Financial @ XXXX, the number on the original letter. XXXX transferred me to credit department ; I was on hold for four minutes, then got a busy signal ; called back at XXXX ; XXXX pm-agent tells me I must go through dealership. 

XXXXonline chat with XXXX XXXX, XXXX XXXX ; XXXX took my information XXXX promised call back from dealership ; XXXX from Sales called me, I explained the nature of my business, he transferred me to the Finance Department ; I got the voicemail of XXXX XXXX, I requested a call back , got no response. 

XXXX email to XXXX XXXX explaining my situation and XXXXequesting information-did not receive a response. 

XXXXsubmitted a complaint online at the GM Financial website. Their response on XX/XX/XXXX by email : Unfortunately, because we are an indirect lender, we are not able to discuss loan applications directly with customers. If the dealership is not able to provide you with any specific information about the reason for denial, you will receive a letter from GM Financial confirming that we were not able to approve a loan. That letter will contain instructions for obtaining the specific reasons for denial. '' XXXXSubmitted a second letter to GM Financial requesting a response forthwith to my request. I have not heard from them as of this writing. 

I am beyond frustrated with GM Financial.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2022-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/year>, I received an alert from Experian Credit showing I have exceeded my Department of Education XXXX loan credit usage limit by 101.78 %. As a result, my credit score decreased by XXXX points. I contacted XXXX the servicer, and they did not report the deferred XXXX  as a revolving credit card, with a usage balance limit. Experians algorithm miscategorized the deferred XXXX  loan. I contacted Experian to inform them that the deferred XXXX  loan was miscategorized, reporting as a credit card, with usage balance/limit ( see attached snipped photo ). Experian explained that they have not seen this before, and that they would start a dispute. Experian also, recommended that I should report it to the CFPB to have the algorithm parameters change. I am reporting this incident, because I am expecting full resolution and restoration of my credit score, and the Experian algorithm changed/adjusted.
Consumer complaint received 2022-05-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things to my credit report. To this day over 30 days later I have not received a response yet. I feel I am being taken advantage of and being ignored of my dispute section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress it has caused me. The credit bureaus also violated 15 USC 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I notified XXXX XXXX XXXX XXXX of inaccurate information of bankruptcy on my credit report. XXXX claims information is pulled from transunion and duplicated into their internal member credit reporting account portal. The XXXX portal provided a bankruptcy filing date of XX/XX/2022 with a status of being XXXX as XX/XX/2022. O notified XXXX that this information was inaccurate and obviously impossible understanding the legal time frame for bankruptcy court proceedings. In addition, I requested an administrative review in order to assess if such was a technical error that could be fixed electronically. XXXX maintained I should dispute the information with TransUnion directly. I continue TransUnion later the same day XX/XX/2022. TransUnion advised to directly dispute this information with XXXX. 
I applied for a personal loan on XX/XX/2022 with XXXX which was denied as a result of derogatory, inaccurate reporting. This misinformation has caused a adverse impact on my daily living capacity and caused further harm to credit profile
Consumer complaint received 2023-06-01
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$260.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Due to covid 19 I was behind on my mortgage payments. I was bullied into a repayment plan by mortgage servicer. I gave them a XXXX payment on XX/XX/21 I was supposed to pay XXXX for 12 months. I made XXXX payments and then could not afford to pay any more. The mortgage company knew that my income could not afford those payments yet still I signed it in fear of losing my home. This stress has made me very sick.I am hoping that my mortgage company would give me back my XXXX down payment and offer me a modification that i can afford and also reduce my principal mortgage and take off all the interest that they charged me.I want to keep my home so any help would be greatly appreciated.Sincerly
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/2018 my husband passed away. You company allowed someone to close out a joint credit card between my husband and myself. I ask your company to write or send me the information that a call has been reported. This was a very bad situation because I was a joint owner of the account and the account needed to be closed in the proper way Please I need in writing who closed this account. And for who or why did you summit Bills to my attorney which cause money as the attorney gets paid by the hours. 

You received information that was personal and you acted on a phone call. The personal stole this account information with permission.
Consumer complaint received 2022-05-16
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: Upgrade, Inc. (FL)

On XX/XX/2021 I saw a credit file added to my credit report with a late payment. Upon further investigation, I had discovered that my identity was stolen. 

A bank account at XXXX XXXX was opened in my name ( Which I was able to close and remove from my credit ), and a loan was taken out from Upgrade , Inc in my name. The loan was deposited into a bank account I hold ( which I have since changed the information on ) and subsequently the creditor was unable to get payments out of this account. 

I reached out to the company ( Upgrade financial XXXX ) and filed a case for Identity theft ( XXXX ). They have since disregarded all calls for proof of the information furnished to initiate the loan, and are continuing to report this on my credit. 

I have filed all FTC paperwork, affadivit, police report, and statement along with the required information and they still refuse to remove this from my credit. I have filed with all three bureaus in writing and they removed the debt. Thirty days later, they reinstated the debt citing that Upgrade has provided proof.

My requests for proof have gone unanswered and they are not responding to my phone calls.

I was advised through a consultation with an attorney to file a complaint with you.

I will be following up with a certified letter citing all the facts of this to Upgrade and requesting the data they are using to " Certify '' this debt as mine be furnished to me under the rights afforded to me by federal law.
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

My PayPal account XXXX Has been permanently limited by PayPal.. 
I have XXXX $ on it I want to withdraw my fund but PayPal says I have to wait until 180 days ... my money is very important to me so I want to use my fund and also I want to use my PayPal account. 
Please do the best for me
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I reported to XXXX XXXX, XXXX and Equifax that a student loan was appearing on my credit report with a number that doesn't belong to me and inconsistent info I do not recognize. XXXX XXXX checked my name and SS # over the phone and said they did NOT have record of me owing anything, it appeared to be a mixed filed error and would forward the case to a specialist who would resolve it in 9 days. Instead, they continued to report to the account as mine with inconsistent data to XXXX and Equifax at the end of XXXX when the issue was supposed to be resolved causing me an entire extra cycle of bad credit reporting when I am in need of financing with what should be an excellent record. I waited a full 30 days before calling XXXX XXXX about it two more times and when I finally reached the specialist, he tried to tell me the loan was mine but couldn't provide proper history or dates. The account number is not mine, the data reported to the two unions is not consistent or complete, XXXX showed a recent payment made ( def not from me ) and shows full amount as a current balance, min monthly payment and NEW negative item even though the account in question was closed and charged off in XXXX though both unions have different payment histories. The account also seems to disappear at random with no data or report for various timeframes and then come back.
Consumer complaint received 2019-11-20
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: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX XXXX Account number XXXX, XX/XX/2019 date opened amount of {$1000.00} XXXX XXXX XXXX XXXX Account XXXX XX/XX/2019 date opened amount of {$2200.00} XXXX XXXX XXXX account number XXXX XX/XX/2019 date opened amount of {$810.00} XXXX XXXX XXXX account number XX/XX/2019 date opened amount of {$420.00} XXXX  XXXX XXXX account number XXXX XXXX XXXX date opened there are 2 balances one for {$590.00} and {$590.00} I never had a contract with the these companies. I do not owe these companies. Does the existing companies have a contract with my signature on it. There is no signature or proof that I owe those companies. These companies have the wrong person
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (CT)

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, Account name : DPT EDXXXX. Account # XXXX, also Account # XXXX Account Name : XXXX. Account # XXXX, Account XXXX : XXXX XXXX XXXX XXXX. Account # XXXX, Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX, T XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. 

15 U.S.C. 1681 Section 602 A states I have the rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish an account without my written instruction.
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, 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.
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: M. G. Credit, Inc. (FL)

super rude, they charge me 5 times the payment that I had to pay and dont want to give me my money back, they told me that its my fault and they cant do anything about it. 

XXXX XXXX XXXX told me to go XXXX  my self and then hung up
Consumer complaint received 2022-05-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Approx. several weeks to today XX/XX/22 I used Bill Pay on my Bank of America Checking account to pay my end of the year IRS and De State taxes. Bank of America still shows the one payment to the IRS not done and the money still in my Bank of America Checking account. I am forced to pay IRS interest on this money to the De state and the IRS because Bank of America has very poor service to transfer my funds to my accountant for payment. Bank of America feed- back on their performance has again cost me interest of non-payment. CFPB should be charging or taking legal action against Bank of America for harassing US Consumers and causing them interest to the IRS and DE state.
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

Hello CFPB, I'm at a loss & don't know where to turn to at this point. Let me start with an overview, then I'll dive into my personal experience. 

XXXX XXXX is holding thousands of customers money XXXX in orders that can not be cancelled and marking the funds as " XXXX '' due to these orders. 

This all started 2 days ago when they found an incident that was causing orders to not be cleared. See their status page for details ( https : XXXX ). As soon as the issue was resolved, I put in a limit order to purchase {$3000.00} worth of $ XXXX. I noticed the order wasn't going to be fulfilled as the price was quickly moving up, so I attempted to cancel the order & place a new one. As soon as I attempted to cancel the order it appeared it had worked, but I didn't have my funds to place a new order. After refreshing the application I could see the order was still sitting on their books & my funds were still on hold, but again, my funds are locked " on-hold '' ( https : XXXX ) and can not be used for any new orders or even to withdraw. Here you can see the order is still sitting on their books ( https : XXXX ), but you can't cancel it. If you try to this is the error that gets thrown ( https : XXXX  ). Here is a video of attempting to cancel it, but it doesn't work ( https : XXXX ). Here is what it looks like on their mobile app ( https : XXXX  ). I've contacted them via email & XXXX, but there is still no resolution & my funds are not being released. 

I appreciate your time & effort looking into this matter & hope we can restore thousands of their customers money in a timely fashion. 

XXXX regards
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Americas Car-Mart, Inc. (MS)

I signed a contract for XXXX year loan and the company does not extend loans further than XXXX years. I have surpassed that XXXX years and upon inquiring Im being told someone refinanced the account but it doesnt show who.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

I'm involved in the XXXX security breach. I'm trying to put a lock on my account with all 3 credit reporting agencies but Experian is the only one that won't let me. Why is this? Why can't I protect myself?
Consumer complaint received 2022-05-16
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. (MA)

On XX/XX/XXXX I contacted TransUnion, about the following negative accounts XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$7.00}, XXXX ( Opened XX/XX/XXXX, Balance {$16000.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

1

5 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.
Consumer complaint received 2016-01-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

The mortgage company did an escrow analysis in XXXX of 2015 on my mortgage and raised my escrow requirement. They did not notify us that they had changed the amount due for escrow in XXXX of 2015. We continued to send the original amount for the loan. the mortgage company would not process the payment because to them it did not meet the required amount. We discovered in XXXX 2015 that they were not covering the payments. We immediately contacted the company and they informed us that they had changed the escrow and the we were considered behind in our payments. We made up the differences in the account and thought we were good. They then sent an inspection on the house and charged us {$20.00} for that without notifying us that they did the inspection. We ended up paying them by check over the phone just to make sure the entire payment was caught up. It seems like they should not be raising the escrow anyway. We have owned the house for over 27 years and have not missed a payment. Now they have hurt my credit and caused us anxiety over their inability to communicate and their requirement for escrow above what is required for our home.