davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX I sent Goldman Sachs and Validation of debt letter when I noticed an account on my credit report that was not mine. Still to this day I have not received any original contract or anything. They continuously say they're investigating it. I have sent them and identity theft report and Affidavit of Truth on XX/XX/XXXX due to not receiving an answer in over two months. Now we're in XXXX  and they are reporting negatively/ missed payments on my credit during the whole process and still have not contacted me regarding their " investigation. '' I have called them every other week to check on the status and every time get the same answer. This was XXXX of XXXX accounts opened fraudulently and the other XXXX corporations closed and deleted the accounts without any issue. Only Apple Card/ Goldman Sachs is giving me an issue. This is causing me a lot of distress as I had a 100 % payment history on my credit and never had this happen to me before.
Consumer complaint received 2019-06-28
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (CA)

XX/XX/19 letter from reverse mortgage company that they need wind/hurricane coverage for our property. They already have a copy of the homeowner 's insurance as part of the loan process, which covers this. 

XX/XX/19 letter from reverse mortgage company they will charge us {$5600.00} for wind and hurricane coverage. 

XX/XX/19 XXXX 's XXXX sends another copy of our homeowner insurance with confirmation that it covers wind and hurricane damage. 

Finance of America has not sent confirmation that they received the insurance information and that it is acceptable, so we do not know if we are going to be charged {$5600.00}. My concern is this is a scam to charge a horrendous amount for coverage that already exists. They are taking advantage of old people who might not be fully able to wade through all of the details, and bing, {$5600.00} gets charged!! The entire homeowner insurance only costs us {$3600.00} and that covers much more than wind and hurricane damage.
Consumer complaint received 2021-11-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (ID)

I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX from XXXX XXXX in Texas. 
I added this new truck to my XXXX policy on XX/XX/2021 Confirmation # XXXX The agreed price and what came to sign are not the same. I have text messages, and emails going back and forth from the dealership stating that I did not agree with the prices. 
I have different copies of contracts with different amounts and I am not getting anywhere with XXXX XXXX. I have been working with GM Financial as well to find out why there are different prices, amounts and terms. 
This is now become a HUGE issues, as the truck as had major problems and was in the shop the first time 44 days. We got the truck back for 2 days when I realized there are more issues. The truck went back into the shop with major oil leaks. There is still issues with the truck. I am not able to make a decision about trading the truck off due to warranty issues, or lemon law based on the amount of pay off is not correct due to the contract. 
There is one contract stating XX/XX/2021, another dated inXX/XX/XXXX and another set a documents that were sent to XXXX XXXX county in XX/XX/XXXX, XXXX all with different prices, down payments and credits. 
I need to get this dealt with and remove the co-signer off my loan. 
I will upload all documents and I am sending in an email to GM Financial at the email given to me as XXXX today in hopes they can help me. 
They state that they will reach out to the dealership and go off by what the dealership shows. This lays the issue. I believe that the dealership has fraudulently changed the amounts, dates and terms.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I sent letters to all three major bureaus the date of the last letter to XXXX was on XX/XX/2021. And now we are in the month of XXXX 2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Have no knowledge of this company Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Pulled my credit then would not return a call back as well as pulled my credit after another applicants application was already approved for the leasing. 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX Why was credit pulled twice within 2 days? 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX No knowledge of applying for credit on XX/XX/XXXX Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX Already had loan with company and they would not work out alternate payment arrangements during a financial hardship period Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Why did XXXX pull my report several times? 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Why did XXXX pull my report several times? 

Inquirer Name XXXX Inquiry Date XX/XX/XXXX Paid off this loan, why pull my credit after loan was paid off? 

Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX No knowledge of this company or giving them permission Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of giving permission to pull credit Inquirer Name XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Why pull it all those times when I already had credit with the company? 

Inquirer Name XXXX/XXXX Inquiry Date XX/XX/XXXX No knowledge of giving permission to pull credit
Consumer complaint received 2018-04-26
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: DISCOVER BANK (CA)

Discover Card is incompliant with CFPB regulation that : " The card issuer must complete its investigation within two complete billing cycles of receiving the dispute, which generally means two months, and can not take more than 90 days ''.

Discover Card " ADMITTED '' that the card issuer was notified of fraud activity on XX/XX/XXXX. They completed the investigation and mailed out the final decision on XX/XX/XXXX. They took more than 90 days and/or 2 billing cycles.

According to CFPB, a credit card issuer must adjust charges " even if it has concluded against the card-holder ''.
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Everyday I get calls from XXXX XXXX about a credit card account that was closed in 2011. Their claim of owed money and the account information therein, doesn't show at all on my credit reports. I have received calls from XXXX, XXXX, XXXX XXXX XXXX usually 2-3x a day
Consumer complaint received 2024-02-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WLCC (CA)

I have unsubscribed from emails, I sent in a do not call letter. They called me on XX/XX/year> after I sent them an email on XX/XX/year>. I sent in the letter and they have continued to send me emails after I have unsubscribed multiple times.
Consumer complaint received 2024-02-23
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, Chase Visa card was used to pay an {$8000.00} deposit towards a car engine with expected delivery date of XX/XX/XXXX. 
On XX/XX/XXXX, the merchant was contacted for an update on delivery. Merchant ( XXXX XXXX XXXX XXXX, XXXX ) dissolved its business in California on XX/XX/XXXX. No notice was provided to customers. The store front is closed. Emails dont work, phone is disconnected. The product was never received. 
The credit card has been paid in full. Chase bank refuses to provide chargeback to account. Cardholder not put on notice of potential claim dispute until XX/XX/XXXX. Action was taken with Chase bank immediately. Chase bank refuses to assist.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I went to XXXX XXXX on XXXX XXXX In XXXX, OH to purchase a car on Monday, XX/XX/XXXX with a Car Salesman and I concluded the process with a Business Manager to finalize any documents and add ons that I might need. I was asked by the business manager if I would like a XXXX credit card to go toward purchases and declined and was asked two more times but I still declined and I didnt sign any paperwork that is on file or with me that says that I consent to the running of my credit for a credit card. I, then picked up my car on Wednesday XXXX after it was ready. On Friday, XX/XX/XXXX I received an email from the XXXX XXXX website asking me about a new hard inquiry on my account and if it was mine because of the fact that it had no monetary amount and there didnt seem to be a card attached to it. I then sent in a complaint directly with the XX/XX/XXXX website on Wednesday, XX/XX/XXXX and again with Transunion ( through the XX/XX/XXXX site ) on XX/XX/XXXX when I saw that there was still no solution to my issue. I received a response that they found that there was no issue on their end and that it needed to be escalated through consumer finance on Friday, XX/XX/XXXX. There was a document to sign saying that I consent to a credit card but I do not have that document because I declined to sign it.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called TransUnion twice today. I explained to the foreigner that I their customer service line would NOT allow me to order my report over the phone. He asked me for my SSN. Then he pointed me to a different website : XXXX Once he did that, I asked " Why are you sending me there, after you just asked for my SSN?! '' I informed him that I know I should be able to call and obtain it, Just Like the 2 other bureau 's!

I hung up, thinking it was not legitimate. I was scared!!! 
I can not retrieve my credit report from TransUnion. It demands that I pay $ XXXX/month. 
There is NO option on Transunion 's website to get my free report! 
They are horrible!
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (CA)

Around XX/XX/XXXX I was given XXXX grants from the XXXX XXXX targeted advance and supplemental advance. XX/XX/XXXX the Navy federal credit union froze my account and started the process to close my account and sent back to XXXX {$9000.00} but still have not given me the remaining {$5000.00}. The XXXX told me to get my bank to send the {$5000.00} directly to me due to an enormous back log of returned funds as these grants are for emergencies to keep my business afloat. The Navy Fed won't tell me why they have frozen my funds or why they won't give my funds back to me. They have received from the XXXX my other funds successfully {$1000.00} in XX/XX/XXXX and XXXX of XXXX {$6000.00} and {$7000.00}, so the excuse that this is not a business account does not apply here since I was able to receive my other funds for my small business, I am a sole proprietor with no employees. I am able to use my personal account due to having no employees and in the guidelines per Cares act all sole proprietorship with no employees may use their personal accounts. The Navy federal has been so rude and dehumanizing towards me the security department has been awful and won't help me or give me a chance to clear up any discrepancies. Since XX/XX/XXXX I have lost my business because my car loan went into default because I have no access to my funds, I use my car to carry supplies and travel to the homes I serve. I have lost my home because I can not work, I don't even have bus money. My son has served the XXXX straight from XXXX  when he left he had a home, now XXXX XXXX  is about to be done XXXX he served the XXXX XXXX and he XXXX coming home to nothing, he will be XXXX  as well. Navy Federal keeps sending me my monthly statement with my {$5000.00} showing in my checking account but won't let me access funds that would enable me to get back to business. They have severely crippled me.
Consumer complaint received 2022-04-27
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. (NC)

The installment with XXXX XXXX  was to be paid off using their 90 Days same as cash option. They refused to accept the payoff. We went to court and the court made them accept the payoff and they agreed to update and correct credit report as positive and paid as agreed. Court was XX/XX/2018 and the 90 day same as cash option was {$900.00}. They agreed to accept the payoff and show a zero balance. 

XXXX XXXX  has yet to update my credit report and continues to report a charge off. I have made several attempts to dispute this, sending in the official court documents showing it was paid in full as agreed and it still reflects negatively.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-05-13
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: OneMain Finance Corporation (NJ)

Im XXXX22 I received an inquiry from Onemain Personal Loan company, and on XXXX22 I received an inquiry from XXXX Bank, the customer service departments did not help remove the negative inquiries that are reporting on my credit report. this is a fraudulent inquiry, Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I selected an on-line option to have the balance of my XXXX Comenity credit card account automatically paid off each month on XX/XX/XXXX. I had a balance of {$280.00} due XX/XX/XXXX. When I received my XXXX statement it showed no payment had been applied, began accruing finance charges on the outstanding balance and charged by a {$28.00} late fee. I made an inquiry of Comenity Bank as to why they did not automatically deduct the payment of my balance on XX/XX/XXXX as selected. Their original response was that the on-line selection I made on XX/XX/XXXX took 11 days to process and so it wasn't reflected in time. I then inquired as to why it would take 11 days to process an on-line automatic payment selection and where was that disclosed to me as a consumer, as I assumed it would have been processed in time to post a XX/XX/XXXX payment. Then I received a response that did not address my inquiry, but rather told me I selected a {$0.00} recurring monthly payment and that is why a payment wasn't processed. I provided them a screen shot that reflects the selection was the balance of my account. I attempted to speak to a representative, but their system does not allow this to occur. It is fully automated. I closed my account as I would not do business with an establishment that intentionally attempts to defraud consumers. In closing an account with them it should be noted that that only way to receive a confirmation is through fax. I have to believe this is not legal as how many people own a fax.
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

we applied for a loan modification in XXXX and was told that the bank would put us on a trial for the months of XX/XX/XXXX, XXXX & XX/XX/XXXX with payment coupons in the amount of $ XXXX. We pd on time and the bank was to draw up paperwork stating they would do the loan mod. In XX/XX/XXXX we had NO payment coupon and didn't know what if anything was to be pd since the bank was working on what the amount would be and drawing up the paperwork. On XX/XX/XXXX the bank had us sign docs stating what the amount would be. On XX/XX/XXXX the bank signed off on that XXXX and returned a copy to us. On XX/XX/XXXX we recv 'd our XXXX statement stating our payment was XXXX XXXX paid that. There was no late payment saying we didn't pay XXXX ... there was NO doc stating we owed a XXXX payment at all. In XX/XX/XXXX we recv 'd our XXXX statement which was substantially higher and we called to dispute the amount... .the bank finally responded to our complaint stating the large payment amount was due to ins XXXX I obtained another XXXX and our new payment was $ XXXX. that issue didn't get resolved until XXXX. In XXXX I tried to make XXXX separate payments to bring our account back up to date since all issues were now resolved. The bank would NOT allow us to pay anything unless we paid XXXX payments all at once ( XXXX, XXXX and XXXX ). We just went thru this loan XXXX and were not able to make XXXX payments at once. In XX/XX/XXXX we were able to obtain a loan from our TDSP and paid everything $ XXXX. at this time we still believed that we were good to go with the loan mod as we were NEVER told otherwise. We then recv 'd our XXXX stating debt forgiveness for XXXX. The bank said that we had to wait 3 years to get this removed from our acct. when the XXXX yrs was up the bank refused to remove the forgiven debt stating that the loan XXXX never went thru and now that balance was deferred. there was no point in even doing the loan mod since the bank never intended to go thru with it from the beginning. I am in need to doing a refi since we are both on Social Security at this time and I need to lower our payments. Are the banks allowed to cheat people with these loan mods? this was a gov program to help homeowners along with the banks and in this case they didn't assist us in anyway. Please assist. I have tried to work with this bank and they have been uncooperative. No bank will allow a refi with a deferred debt of $ XXXX ... .the home is not valued at $ XXXX. avg home sales are low $ XXXX 's
Consumer complaint received 2022-05-13
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: General Motors Financial Company, Inc. (IN)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 and 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 and purpose.