davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc. (TX)

I received a phone call from XXXX after XXXX XXXX  on XX/XX/XXXX, not on my personal phone but my work phone. A lady asked if I was said name, XXXX XXXX, speaking, I said yes. She directed me to call this number on a case pertaining to myself. I asked from whom. She would not tell me. I asked again who am I dealing with. She never said her name and just stated that it was from XXXX XXXX. She then wanted to find out if I was going to be home. I said no, that I am leaving for work. She became upset and stated that we are about to serve you pertaining to this case so someone has to be there. I said well, I will be here this afternoon. Still in disbelief and no clue what this is about. She raised her voice and said that there is a lien on your house once served. She gave this number to call, XXXX. A male answered with no representation of who or where he was calling from. Questioned if I was XXXX XXXX, I said yes, and he said you are about to be served. I asked the male well who is. He said GM Financial. I told him that I have never dealt with GM financial. He stated that if this is not settled that it will be placed on my credit report. I said, I'm looking at my report through XXXX XXXX and i don't have any or have had that company much less associated with GM financial. He also stated that back in XXXX, they had sent paperwork. I said well if you sent it, we didn't get them. And what does that mean to you. I kept repeating myself. I have never dealt with any GM Financial. Which is funny cause we only have one car and it's through a different company. These individuals have violated all aspects of trying to use scare tactics and threatening to serve or sue. I don't appreciate someone calling my work phone and say what you will. By the way, the male individual hung up on me. That goes to show you how unprofessional and ignorant they are especially if they work for XXXX XXXX.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My account was accessed from a fraudulent person, and for the last 2 months the bank will not accept my identification that I faxed for identification of myself it will not solve the fraudulent charges nor let me pay off the account. They also froze the account so that I can not even pay payments on it. Capital One Bank credit card
Consumer complaint received 2022-02-23
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)

XXXX XXXXXXXX XXXX, AC # XXXX, XXXX, Amount {$1000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$580.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$910.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$560.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, XXXX, Amount {$530.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$5900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (CA)

Since XX/XX/XXXX I have accrued XXXX $ in overdraft fees due to a low balance. My balance was low because I am self employed and contracted XXXX, I have had to reschedule all of my jobs once I tested negative which was on XX/XX/XXXX. I asked bank of the west if they could reverse my overdraft fees for this reason and they said they allow reversal for one overdraft fee per year and I used it.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-08-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor Advocates Inc (TX)

Creditor Advocates is located in XXXX, MN I am located in XXXX Texas, this company is not bonded in the state of Texas to be collecting debt. based on Sec. 392.101. of Texas Finance Code, and must immedialty cease and desist any efforts in this state to collect Choosing not to can result in a lawsuit, and fines from the state of Texas as well as me the consumer. 

I recieved a letter in the mail stating I owe a debt, i have been in Texas for over 4 years and never once have heard about this, I have used this facility however that was under a different account number and that was paid in full ... i am not sure where this new account came from since i have not lived north for over 4 years, however its likely false, and they should not be contacting me anyhow, based on there lack of bonding in the state
Consumer complaint received 2022-02-23
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, 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 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and I noticed some inconsistent and inaccurate information on my credit report I then proceeded to reach out to the credit reporting agencies to fix the problems but they did not.
Consumer complaint received 2023-09-11
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (NY)

Referencing claim Number XXXX First of all, your facts are misleading and your letter that was sent to a Federal Agency is  considered defamation and slanderous ... Furthermore, we have recorded calls that we have in safekeeping that specifically stated at least 6 times that MS. XXXX in your XXXX call center stated emphatically on my recorded lines that she accepts full responsibility for the XXXX.. In addition, these calls had XXXX on the phone with their representative of XXXX and Mr. XXXX XXXX XXXX, XXXX was also on the phone. 

This is a matter that you are creating by not paying what she stated and now you have basically called me a liar that is very very damaging. Do you want me to pursue not only legal damages but punitive damages? WE also have the right which we have reserved to bring this to the medias attention that I dont think you want to have a major media campaign on this. 

You have one month to respond and fix my credit and make payment good ... otherwise we will pursue this. 

This has been demonstrated to be a scam and a felony and as result of this the consumer is NOT RESPONSIBLE. In addition, I have recorded calls that how they got this bank information is an inside job. Is your money safe at PNC Bank? I dont think you want a media campaign to destroy your fine institution ...
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (TX)

Chase failed to provide 45 day notice for increase in interest rate on card. I called them when I found out about the increase, from a third party credit monitoring source, and was told that they mailed a letter XX/XX/XXXX. This is not true as I received no letter from them in this regard.
Consumer complaint received 2022-02-23
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 recieved form 1099C from XXXX XXXX  on XX/XX/2021 forgiving my full debt to them in the amount of {$6300.00}. They told me that they furnished all three credit reporting agencies with the form. All three credit reporting agencies will not update my status from still owing the {$6300.00} balance to cancelled and zero owed as of XX/XX/2021. I have disputed this 2 times and they will not update the status of 1099C cancellation of debt.
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (FL)

I had a mortgage with Freedom Mortgage where I sold my property on XX/XX/18 and they sent me a statement that my escrow surplus of {$790.00} was mailed on XX/XX/18. I looked for it in my mail until XX/XX/18 and then called to ask where my escrow surplus was. They mailed it to my old address and would not forward to my new address. I was told on XX/XX/18 that a new check would be cut on XX/XX/18 and sent to my new address. By XX/XX/18 I had not received it so I called and was told that they could not void the first check until it was 30 days old and I would have to wait until the following Monday for them to do so. They then needed 10 days to cut the new check and an additional 10 days for it to be mailed to me at my new address. 

I do not feel this to be in the proper guidelines for returning escrow surplus on a loan that was paid in full on XX/XX/18. I am still awaiting my funds.
Consumer complaint received 2017-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (AL)

Repeated phone calls and when those calls are returned, there is no answer and the mailbox is full. This debt had been cleared previously and it is showing on my credit report as in collections which is damaging my credit. Have sent an email and tried to reach out by phone numerous times. Unsatisfactory business practice and is far from how a legitimate attorney or collection agency works. As the debt concerned a XXXX medical spending account issue and has been resolved, my credit report should be cleared. Not the case.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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 an account without my written instructions.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (PA)

On XXXX, TD Bank debited {$250.00} from my newly opened ( XXXX ) checking account ending in # XXXX. TD indicated a line item, " DEBIT, XXXX Claim XXXX. '' TD Bank will not provide additional information about this debit to me. 

This issue may stem from the initial account opening on XXXX when TD Bank, rather than showing my initial {$500.00} deposit as pending under my actual account number XXXX, placed my initial {$500.00} deposit from XXXX XXXX into an account ending in XXXX. I contacted TD Bank and XXXX XXXX about this issue and XXXX investigated it as possible fraud. 

Three days later, my initial deposit showed up in my TD account ending in XXXX. TD Bank ( XXXX XXXX ) said that the " Fraud Claim '' is the reason that TD took {$250.00} from my account XXXX on XXXX and closed my checking account, but XXXX XXXX closed their fraud investigation on XXXX. 

In addition to the {$250.00} that TD Bank debited from my checking account XXXX for a " Fraud Claim '' that had been closed for two weeks, the unilateral decision by TD Bank to close my Checking Account also cost me the {$300.00} bonus that TD Bank offered for opening a new checking account. 

XXXX will not provide any information to me about what happened to the {$250.00} because " XXXX has a relationship with TD Bank, not with me. '' To me, this money is simply gone. 

I have had numerous communications with TD Bank representatives who can not explain what, or why, TD Bank did other than send {$250.00} to " XXXX XXXX '' ( XXXX XXXX ). The money has not been returned to XXXX XXXX. 

TD Bank is withholding this {$250.00} and I have not been made whole. Please advise. Thank you in advance for your kind assistance.
Consumer complaint received 2022-02-23
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)

I am a victim of identity theft. The information is listed on my FTC Identity Theft Report, my written notice, circled in RED on my Experian consumer report and this complaint does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Please see all my attachments. 
Things such as addresses, inquires, incorrect SSN attributes to my finds.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I placed an order for a XXXX XXXX television with " XXXX XXXX '' a third party seller through XXXX, on XX/XX/2021 in the amount of {$4100.00}. The item was to be delivered on XX/XX/2021. I left clear delivery instructions stating that if I were not home to call me and if no answer to reattempt delivery. In addition, XXXX required a signature from me for successful delivery. I was not home on XX/XX/XXXX XXXX and when checking the tracking information it showed that my item was delivered to someone named XXXX XXXX XXXX. I immediately reached out to the merchant through XXXX and explained what happened. The merchant explained that an investigation would be started, and someone would reach out to me in the following days. I never heard anything back and reached out to the merchant again and was informed by " XXXX XXXX '' customer service representative named XXXX that an investigation was still in process. Days went by and again I had not heard anything back from the merchant " XXXX XXXX ''. I then proceeded to dispute the charge with my bank institution. I was advised by my bank institution to reach out to XXXX and see if the issue could be remedied. I then reached out to XXXX customer service and explained my situation to a representative named XXXX XXXX. XXXX XXXX explained to me that a refund would be issued to my card and I should see it in 3-5 business days. The credit never came. Upon submitting my dispute, the merchant has now responded stating that I have had XXXX orders delivered to my home in the past with no issue and that my address is valid ( which is irrelevant to this situation ). My address and apartment number is valid however, the merchant failed to mention that I live in an apartment building and not a house, so delivery of a package with a signature required by me is vital. As I stated previously, the package was not delivered to me, nor was it signed by me, and my delivery instructions were not followed. My package was instead delivered to someone named XXXX at a different address/apartment number. The merchant also stated that they have no record of any phone calls or emails from me regarding my issue. That is inaccurate and I have contacted the merchant and XXXX several times via email and XXXX transcript ( please see attached ). In addition to XXXX policy, XXXX can refund a customer at their discretion. XXXX agreed to refund me because of this issue ( as seen in the transcript ) and I have yet to receive my refund. I've also filed a police report with my local police department. My bank institution constantly resolves the issue in the merchants favor. I've submitted a dispute over 5 times since XXXX, XXXX
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I never lived at XXXX XXXX XXXX XXXX, SC XXXX that is attached to the debt. I did however live in the same town at XXXX XXXX XXXX XXXX, SC XXXX. I can only assume someone near me got hold of my information and made the account. 

I don't know how to prove I have never lived someplace other than providing the only two Drivers licenses I have had in the past decade. If you can please tell me what I need to provide to prove I have never lived here.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion is stating the courts are Reporting a Bankruptcy Docket # XXXX which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. TransUnion pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to XXXX
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I previously submitted a complaint on USAA because their ATM did not disburse my money ( {$300.00} ) on XX/XX/ I was in contact with a representative name XXXX up until XXXX trying to find a resolution to get my money back, then the communication stopped I've made multiple calls and no response
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have sent a copy of the XXXX  balance invoice, sent to me from XXXX XXXX XXXX, more than five times to Equifax. They continue to show the collection Item. The other CRA 's have totally removed the claim item. The dates on XXXX XXXX  invoice ( XXXX  owed, XXXX due ) precede the date it was placed as a collection item on my records. I am once again attaching a copy to be forwarded to Equifax for their prompt action.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (CA)

There is a purchase on my credit card where I never received any merchandise. There is a tracking that shows it was left at my door, allegedly. XXXX $ + worth of merchandise left at the door? Doesn't sound real to me. 

I would like Navy Federal DISPUTES team to look into this. Not the useless " Fraud '' team. 

XX/XX/2018 XX/XX/2018 XXXX XXXX CA XXXX - {$2100.00}