davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
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: General Motors Financial Company, Inc. (MN)

GM Financial continues to violate my rights as a consumer by refusing to validate an alleged debt that is on my credit file. I first noticed this debt in XX/XX/XXXX. On XX/XX/XXXX I sent GM Financial a letter via Certified Mail requesting they validate this  suspicious debt thats on my credit file. On XX/XX/XXXX I received a letter from GM Financial saying they suspect the account was fraudulently established. The letter also said that I should go to their website and follow the steps needed for them to complete a investigation. I went to www.gmfinancial.com and found absolutely nothing about submitting a claim for investigation. On XX/XX/XXXX I sent them another letter notifying them it is their responsibility as the creditor to validate. I then proceeded to inform them they can validate this alleged debt by sending a contract containing my signature or something to that degree. On XX/XX/XXXX I received a letter from GM Financial requesting that I give them a call. I need GM Financial to send me proper documentation validating this alleged debt via USPS or remove it from my credit history report.
Consumer complaint received 2020-02-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have called Capital One three times spending approximately an hour each time and missing calls from potential employers, explaining that I have lost my job and would like to delay payments and put them at the end of the loan and extend the loan term. Each time I am told their system will not allow it but it will on the next call and the next call I make it still does not. I feel that I have made an honest effort to work with capital one by explaining my finical situation which is out of my control as I have no control over my previous employers decision to lay me off, I need to delay the next 3 monthly payments and put them to the end of the loan, at which point I hope to have found a job. I have on more than one occasion explained that I understand and that I am okay with extending the term of my  loan. It is unreasonable to expect me to continue calling when I need to devote my time to finding a job so that I can find a job and avoid further financial hardships. 

Thanks XXXX XXXX
Consumer complaint received 2020-02-24
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. (NV)

All outstanding debt for XXXX was paid in full at the time of closing my account with them. I never received any collection attempts or bills for this debt from XXXX after closing the account. Upon inquiring about the collection directly with XXXX they were not able to produce a bill or explanation for how the debt was accrued. I have yet to receive a formal response from the collection agency.
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (CA)

XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA, has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$400.00} which is incorrect, I do not owe them anything. 
XXXX XXXX XXXX XXXX XXXX told me that as long as I pay them {$400.00}, they would immediately remove the inquiry by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$400.00} on the same day. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owe them money, and this is a collection to collect a debt. 
XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. 
XX/XX/XXXX COLLECTION BUREAU OF A XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$400.00} I would like XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA to immediately do the right thing by contacting each of the credit  bureaus and telling them to report the accurate information As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX XXXX XXXX XXXX XXXX/COLLECTION BUREAU OF AMERICA infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions COLLECTION BUREAU OF AMERICA/ XXXX XXXX XXXX XXXX XXXX XXXX having on my life. 
Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Consumer complaint received 2020-02-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The reason I am filing this complaint is because I believe that my loan has not be given proper consideration for a home retention workout that would allow me to retain my home. I originally re-applied for a loan modification back in XX/XX/XXXX/XX/XX/XXXXbecause I was not longer able to adhere to the repayment plan that was established by SPS due to a hardship we encountered. My husband injured his XXXX  which has prevented him from working. This hardship created in reduction of income in the household which preventing being able to continue with the repayment plan previously established. My husband is now receiving XX/XX/XXXX and we just need to be given a fair opportunity to keep our home. In speaking with SPS and correspondences received, we were denied without considering our monthly household income because they were unable to reduce our monthly payment. In review of the NPV Test, it appears the reason they were unable to reduce the payment is due to the fact that they included a deferment ( non-interest bearing principal balance ) in the amount of {$310000.00} into the interest bearing principal of {$280000.00} totaling {$620000.00} into the proposed modification which obviously would increase my proposed payment significantly. Because they will not consider leaving the deferment balance in place, it's causing my loan modification to be denied. We are unsure if this is part of the Pool and Servicing agreement nor do we know if leaving the deferment in place was ever considered however ; we want and have the financial means to afford our mortgage.
Consumer complaint received 2020-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (IL)

This complaint to the EQUIFAX was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
Consumer complaint received 2020-02-24
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. (AZ)

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (AZ)

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NC)

I have been a customer with Binance U.SXXXX since early XXXX. On XXXX XXXX, I was locked out of my Binance U.SXXXX account. Binance U.S. has no telephone contact information, so I filed a " ticket '' by email. I have about {$52000.00} in this account in U.S. dollars. I can't tell you the exact amount because I am locked out of my account. Today is XX/XX/XXXX, and there has been no response. I do not find being locked out with no access to customer service acceptable when I am a customer and they are refusing me access to my own money. I can not withdraw it, nor can I invest it. My funds are just stuck in limbo. I also can not view my account activity to do my taxes! 

I have not engaged in any suspicious activity so there is no reason for them to have flagged my account.
Consumer complaint received 2024-03-07
Product: Credit reporting 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)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

AFNI is a collections company that appears to have purchased a debt. This isn't a debt I own. The party will not issue the original contract to to verify this fraudulent account therefore I'm seeking remedy. 

The credit reporting.states it's an account.of.Sprint. This is not an.account I own.
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (PA)

Equifax will not remove an over 30 day late from my credit report and I have a letter from the Credit Union that was sending a check to XXXX to pay off a car loan. The check was lost in the mail and they sent a letter about it and I will attach it. All the other credit agencies have fixed this with no problem. I have disputed 5 times with documentation and they will not remove. XXXX even put a note on my account saying it was a mistake. Im XXXX and never had a late payment in my life so this is really frustrating.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (IL)

I had hail damage to my home, deck, metal shed, patio heater, pool and other items XXXX 2016. XXXX issued XXXX check for everything. I have submitted replacement costs for deck stains, replacement shed, patio heater. PNC refuses to release money stating the check from XXXX is for repairs to home and other structures and I need to contact XXXX for money. I spoke to my agent in XXXX, Il along with claims adjuster and they state all damaged items were included in one check and PNC needs to release money to me. I have hired a company to repair home and contacted PNC on numerous occasions to get money to repair non structural items. They just keep telling me my insurance company needs to write me a check. In the meantime I am encountering more damage to contents in my shed, having to postpone repairs to my pool and deck due to the uncooperativeness. I ask to speak to management and continually told they are in a meeting or away from desk .Can never get beyond customer service. they will not even give me a number to leave a message. I have been trying to resolve since XXXX We hired an adjuster because we went through same issues 4yrs ago and even the adjuster could not get PNC to cooperate. PNC refused them their % age. We had to borrow money to pay the adjuster to move forward and now 5 months later I still have no repairs. I even went to the local branch in XXXX Mo. and they tried calling and could not get a reply. I have done everything I did 4yrs ago and for some reason the rules have changed and what I did 4yrs ago is n't working this year. My last conversation I was told that they are doing me a favor and reviewing to see if they can make an exception to allow me money to fix my shed. I had to sign affidavits and other paperwork stating I will make repairs to all damages received, however they will not release any money to do so, which in turn is causing more damages to my property. I am asking please for some help so I may get repairs done prior to weather getting bad and everything in my shed is destroyed. I have tool sheds, power tools, bikes, mower and other high dollar items. Who will replace them if they are damaged beyond repair? I have tried Mo. Div of Finance who referred me to you. I have contacted my insurance company, the claims adjuster and Mo Dept of Insurance. I have paperwork and email messages if you would like to see them. Ultimately I just want my home back to where it was prior to the storm. Per PNCs initial paperwork that 's what they say they want. But now that they have to release money it appears they would rather have my home deteriorate while they collect interest on the money. Thank you very much for reviewing my complaint. I will be anxiously waiting for your reply. 

Sincerely XXXX
Consumer complaint received 2021-06-15
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 ()

Paypal blocked my account for no reason i am a XXXX and use paypal just for my everyday hard earned money to get paid i dont have any options for get my earned morunning again.ney to transfer i will be thankful to get my problem solved and get my account that is XXXX XXXX
Consumer complaint received 2021-06-15
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. (NC)

I saw that XXXX  and TransUnion report my auto lease as delinquent. I verified my payment history and all payments are made on time and in full amount. 

Yesterday I called XXXX XXXX XXXX to validate this report and they told me that in their systems no such record of delinquency exist. 

My wife score dropped with more than 60 points as well as mine. We are suffering consequences of this actions and would like to request your help investigating where XXXX  and TransUnion get their data and how and why they report false information and ruin our financial standing. 

Kind regards, XXXX
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist bank returned a bill pay payment that I made to them to lower the principal of my mortgage. It was not the full payoff amount, but they decided it was too large of a payment so they sent it back to my bank. They did not notify me. I had to call them to find out they declined the payment. This is resulting in another week of interest being accrued and me having to pay it on $ XXXX. I believe this is unethical and violates fair lending practices. The online bank personnel stated I mailed the payment to the payoff address. This was inaccurate. I mailed the principal payment to the same PO Box I have used for 8 years. I did not send the payment to their payoff location. 

SunTrust case # XXXX.
Consumer complaint received 2023-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Collection : Eastern Account Systems - {$300.00} Back in XX/XX/XXXX I had a medical procedure done at XXXX XXXX XXXX in XXXX, CT. My health insurance ( Connecticare ) was informed prior and all costs were to be covered 100 %. 

In XXXX, I was reviewing my credit report with a financial advisor and it was discovered that there was a collection outstanding that I did not know about. I was instructed to take action and send a certified letter to the debt collector ( Eastern Account Systems ), which I did on XX/XX/XXXX. I have never received any validation from them about this issue. 

On XX/XX/XXXX of this year, I noticed on my XXXX Credit Report that this had finally came off of my report, I had hoped that it was over. Now today, I checked my XXXX Credit Report and it has suddenly re-appeared. 

This seems to be a clerical error from the original creditor ( XXXX XXXX ) due to a coding issue with the insurance company that they never resolved. 

In XXXX, I had the same procedure at the same surgery center which only uses the above Anesthesia company without any issues. Prior to the procedure I contacted XXXX XXXX to make sure that it was going to be coded properly for payment by the insurance company. At that time, I was informed that they did in fact change their medical billing company since XXXX due to issues. 

I am trying very hard to have this taken off of my credit report with disputing with the collection agency and also XXXX and having no luck. 

Please feel free to reach out to me if you need any additional information. 

Thank you.
Consumer complaint received 2019-07-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (TX)

I terminated my lease 6 months early with BMW Financial Services by paying the remaining lease payment obligations, returning the car in excellent conditions with brand new run-flat tires and XXXX lower than allowed miles. 
BMW accepted my payment and a month later sent me an {$850.00} invoice for two tires at {$300.00} each and interior miscellaneous charges not identified during the vehicle return inspection. They claim that the run-flat tires I installed in the vehicle, while new and " run-flats '' are not the OEM tires they use so I would get {$0.00} credit for the excellent condition / new run flats I installed. They also indicated I would not get any credit for the XXXX lower miles. 
These charges are egregious and do not reflect the economic damage or loss BMW would suffer by accepting a car with lower than allowed milage and brand new run flat tires that are not OEM.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MS)

MY STORY IS LONG STILL HAVING PROBLEM WITH OCWEN FROEM WHEN I REFINANCED IT BACK THREE YEARS BACK. I ' TRIED TO RESOLVED SOME PROBLEM WHERE THEY ADDED MONEY TOW IT. ALSO I DESCOVERYED THEY ADDED TO THE BACK OF MY LOAND. ALOS they ADDED T MY PAYMENT A EXTRA XXXX AND SOME DOLLARS I PAID THAT AND THEY STILL HAVE THAT ADDED TO IT. please HELP, E WITH THIS. I HAVE HAD PROBLEMS EVERY SINCE I HAVE HAD THIS LOAN. please HELP ME SUE THEM IN SOME FORM. at MY AGE I DO NOT NEED THESE PROBLEM. I've GONE TRROUGH FORECLOSER. please IF THEY CAN GETSOMETHING I HAVE ALL PAPER S SHOULDING HOW THEY HACE TREATED ME. THANKS ANY HELP WILL DO '