davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NJ)

To whom it may concern : I leased a vehicle from XXXX/GM whose corporate offices are listed as General Motors Corporate Office,  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, Texas XXXX, and had them deduct the payment from my checking account. Due to an accident on XX/XX/2019, the leased vehicle mentioned above is totaled and my insurance company XXXX paid off the value of the car shortly after the accident. A payment of {$210.00} was withdrawn from my account on the XXXX of XX/XX/2019. GM Financial claims that this overpayment was refunded on the fifth of XXXX. This is not accurate. Months later, after countless hours of calls, in XX/XX/2019, I forwarded my bank statement from XXXX to show that no money was received from GM Financial. After a few months, I finally received my overpayment of {$210.00}. 

GM Financial failed to close the file and notify the credit bureaus of the fact that I owe nothing. On my credit report, it still shows an outstanding balance over 350 days past due. Even though I havent owed anything on this account for more than 17 months. 

I have already gone through hell with them trying to get my money back. How long will it take to fix these problems without your help? I want them to close my file and notify the credit bureaus. This companys incompetence is costing me my credit rating and the ability to get loans, especially now that I am trying to refinance my home. 

Every time I call, I get the runaround. Again I called on XX/XX/XXXX, after 45 minutes and the customer service rep speaking to the supervisor, she told me my case had to be transferred to another department called the Consumer advisory section, This is ridiculous. I was supposed to receive a call today, XX/XX/XXXX, and still nothing. Could you please help me? 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (LA)

On XXXX XXXX I received a collection notice from my credit profile alerting that credit collection services was attempting to collect a debt in regards to doing business with XXXX XXXX XXXX XXXX, in the amount of {$870.00} and have not given this company consent to disclose my location information this is a direct violation of XXXX XXXX XXXX Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. XXXX XXXX XXXX validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; I have not signed any contracts with this company and have received no verification or validation that it was lawful to collect such a debt. The securities of the contract was provided with the XXXX number when originally signed with the original company so this company is trying to steal a securities of such. NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership.
Consumer complaint received 2020-07-27
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. (FL)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2020-07-27
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)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
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. (PA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX, XXXX XXXX and Experian are reporting my XXXX XXXX XXXX mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, XXXX  XXXX XXXX offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that XXXX  XXXX XXXX is in violation of the CARES Mortgage Forbearance Act while not not allow lenders to adversely report mortgages as negative while in forbearance.
Consumer complaint received 2022-02-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

last XXXX around XXXX we where coming out of XXXX which we never needed but somehow where part of it.Thats another long story. Freedom Mortgage mailed us All Documents to be sighed and notarized with all new rates and new restructured payment, Our Notary Person noticed XXXX names attached to the loan. We never heard of the names or ever meet the persons in XXXX XXXX XXXX XXXX and XXXX XXXX. which you will see in attached photos. I still have the raw documents in possession. 
When we contacted the point of contact XXXX from Freedom Mortgage he said thats how its done now and we need to sign or we will default on the loan. We called him out in a scam and we never heard back from him or Freedom Mortgage office. Months later we even gave Freedom Mortgage another chance and to refinance with them since they Have all of our info and it would be much easier and quicker. You would think XXXX. Again that another long story but XXXX make it short. They started the process but drop us without any explanation. I do have an dkept all the email transcripts between the loan XXXX.
Consumer complaint received 2021-10-23
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: Bread Financial Holdings, Inc. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NY)

Dear CFPB, first of all I want to thank you for following up on my previous complaint. I very much appreciate that a bureau like your exists and are here to help us! 

My complaint isn't of the gravest sort, rather an annoyance : the last months ( about half year ) my mail box have been FILLED to the brim with credit card commercials, pre approved cards ( actual plastic cards ) and fake advertisement where the banks write things like " URGENT RESPONSE NEEDED '' etc, and I just after having wanted a lot of tie reading through everything start realizing it's just fake ads and not anything dire or urgent at all. The main issue with all this ( apart from being incredibly rude, annoying, bad for the environment and the whole feeling of these money grabbing half criminals trying to trick me and everyone else into signing up for cards that we will loose on and they will get our money from ) is that they fill up my mail box so I can't receive other normal mail like my bills. I travel a lot and sometimes when I come back, I literally find my bills and postcards and packages underneath the mail box, because my mail box is so full of these fake ( and what i assume are pre approved real ones even! It's horrendous ) credit cards. 

I have previously had a long battle with XXXX XXXX about this, where they kept bombarding me even though I wasn't and never had been a customer of them and I kept calling to complain and ask them to stop. After I contacted CFPB they FINALLY have stopped now, it's so awesome to go to the mail box now - but only for a short while. because now two new companies have started : XXXX and XXXX. I have already submitted a complaint about one of them and will compete another on the other after this complaint. 

You see, I have found out that I need to go to the source of the problem : the credit companies, XXXX, Experian and XXXX. As far as I understand, it is THESE three companies that share ( or sell??? I wouldn't be surprised if they actually earn money on doing this.. ) my information WITHOUT my consent. So, today I am reporting all three of them, to hopefully have this harassment ( yes, that's what i will call it ) come to a final end. 

Again, thank you so much for taking the time to look into this, I really appreciate it so much! 
( Also : a tip about how these issues could be solved : In XXXX, where I grew up, we have an official sticker from the government that we can stick to our mail box where it says that they are not allowed to leave commercial in our mailbox. It is respected and everyone follows that rule in XXXX, so if you don't want offers, you won't get them. Pretty much everyone in XXXX has those stickers on their mailboxes, because who would want to be harassed like his?! Works like a charm! I wish there was something like that here too.. ) Have a wonderful day! All my best
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Opened a checking account on XX/XX/2021 and completed all requirements to receive a {$400.00} promotional bonus offer. A few days ago my account has been closed due to a XXXX  balance. This XXXX balance auto-closure is not readily available information to public and was never told to me. Coincidentally, it was right as the {$400.00} bonus was about to pay out. I called and spoke to XXXX ( supervisor of technical call center ). Account ending in XXXX
Consumer complaint received 2019-03-21
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. (FL)

There has been a new company called XXXX XXXX that has been posted on my credit with falsified information. My identity was stolen and I have Been battling identity theft for years. XXXXXXXX XXXX   Is a false collection with false information that is NOT mine and needs to be removed from my credit. XXXX XXXX XXXX balance is {$140.00} and was posted XX/XX/XXXX 16
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc. (CT)

I was a victim of identity theft, my personal information was stolen and used to open several different accounts. I submitted an FTC affidavit and a report from my local PD disputing these fraudulent accounts. I have not authorized the openings of these accounts and have no information on who opened these accounts. I have submitted several disputes to Experian, XXXX and XXXX  and they are refusing to remove these fraudulent accounts. I contacted the companies listed on my credit report for these fraudulently opened credit accounts and they could not give me information pertaining to these fraudulent accounts because I was told " my information does not match what is listed in their system. '' But every time I submit a dispute they are sending documentation to Experian, XXXX  and XXXX saying that " I am the verified account holder. '' THESES COMPANIES HAVE ALL SUBMITTED DOCUMENTS INCLUDING A POLICE REPORT AND A FTC AFFIDAVIT. 

ACCT : XXXX/XXXX XXXX {$210.00} XXXX {$4600.00} XXXX XXXX XXXX {$10000.00} ( These 2 accounts were removed and purchased by another lender and put back on my report ) XXXX XXXX   XXXX {$9700.00}
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

Called in the last week of XX/XX/XXXX to close an account. Was told I can't unless it was XXXX. Was told that final balance checks are not mailed. 

Transferred money out to XXXX  the account. A {$12.00} fee was applied when my account balance dropped. 

Called again to close, was told they can't close or attempt to dismiss the fee because it was pending. 

Called again on XX/XX/XXXX after the charge posted and was told they won't dismiss the fee because it followed the rules. Also told I can't close the account.
Consumer complaint received 2022-02-17
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. (NC)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NH)

I recently refinanced my XXXX XXXXXXXX XXXX XXXX ( loan # XXXX ) with another lender. The closing date was XX/XX/XXXX and the disbursement date was XX/XX/XXXX. Around the time of the refinance transaction, XXXX XXXX transferred servicing rights of this loan to Mr Cooper with the new loan number XXXX. Mr Cooper is now sending me statements for loan # XXXX. The funds ( {$340000.00} ) to close out the loan with XXXX Mortgage were wired to XXXX Mortgage on XX/XX/XXXX and the supporting documentation was previously submitted within a separate complaint ( XXXX ) .Mr Cooper has not allocated these funds to close out loan XXXX. I now am receiving monthly statements from Mr Cooper for a loan that should have been closed out and escrow funds returned to me by Mr Cooper. XXXX XXXX  has supplied the wiring information for the funds paid at closing being transferred to Mr Cooper. I have submitted this information to Mr Cooper and received no response. The wire info from Freedom Mortgage is here : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Re : Your Complaint to the CFPB Complaint XXXX Dear XXXX XXXX, We have reviewed your complaint and researched the issue regarding the payoff wire sent to Freedom Mortgage. After review we have confirmed that we did receive the wire in the amount of {$340000.00} on XX/XX/XXXX. Effective XX/XX/XXXX your loan was service released to Mr. Cooper. Because of this, we wired the funds to Mr. Cooper on XX/XX/XXXX. The wire confirmation for this wire is below for your reference. You can provide this information to your current servicer Mr. Cooper so that they may track the status of the wire for you. XX/XX/XXXX Outgoing Money Transfer Transaction Ref. No. XXXX Fed XXXX Ref. No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX to Mr. Cooper IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX If you have questions XXXX XXXX feel free to contact us at ( XXXX ) XXXX Monday through XXXX XXXX to XXXX and XXXX XXXXXXXX to XXXX XXXX Time. Very truly yours, XXXX XXXX XXXX XXXX Customer Service XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, NJ XXXX I NEED MR COOPER TO CLOSE THIS LOAN AND RETURN MY ESCROW FUNDS BEFORE DAMAGE OCCURS TO MY CREDIT.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Ceannate (IL)

My company informed me via email they are ending their contract with XXXX XXXX. The email said as of XX/XX/XXXX they are ending their relationship/contract they advised us we can reach out to XXXX for our funds after that date. Reached out to XXXX multiple days and was told they was not aware of the ending of the contract for me to reach out to my employer. I reached out several times to HR who told me they will find out more information. I was Laid-off XX/XX/XXXX. XXXX still has not released my funds today is XX/XX/XXXX.
Consumer complaint received 2022-02-17
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. (MD)

I have reached out to these XXXX companies numerous times regarding fraudulent information on my credit report and enough is enough. They want you to mail stuff in I have, kept the receipts, everytthing and to of course, no surprise I have yet to receieve a response. My next step is to sue under the violation of the FCRA act as well as for defamation of character, loss and trauma.
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I went into this branch on XX/XX/XXXX to make a withdraw ( {$5000.00} ) from my account from funds that were in my available balance and was completely insulted by the teller XXXX XXXX and the staff that was working with her that evening. To start I was harassed and interrogated about what I was doing with the funds to start with ( and it wasn't even a large withdraw ) then in the middle of making the withdraw and asking how he would like the cash back she told me " never mind I cant do this today because the funds haven't cleared the other bank that the check was drawn off of when you made the deposit the other day, even though the funds are available in your balance. '' at that point all the other employees started to shake there heads and agree with her for saying that. Then I asked her so You are not going to give me the funds that are showing available in my balance? and she rudely said NOPE. I then walked out of the branch to call customer service to inquire about the situation. And XXXX proceeded to lock the door behind me. I then went back and knocked on the door to ask her a question and when she came to the door I informed her of Reg CC at that point she looked like she was in shocked that I was aware of that policy and said to me " im not taking that risk of giving you any funds and slammed the door in my face. I then spoke with a customer service representative through the wells fargo phone service who informed me that there was no reason why I couldn't receive my money and the funds where available and had been collected from the other bank as well. She was in disbelief of what had happened at that branch. At that point I was unable to get any funds because that branch had closed and there was no other branch that was open in the area I could go to. So needless to say I lost a large amount of money yesterday because I had placed a deposit on a piece of equipment that had to be paid in full and picked up by XX/XX/XXXX. We also will be closing out our accounts that we have had for 10 years and not opening our business account up with Wells Fargo. It shocking that wells Fargo would even employ someone like that but to top it off she is there customer service supervisor at that branch which his even more mind blowing
Consumer complaint received 2024-03-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (OH)

I don't know how much it was for or the dates and they will not give it to me, they said that a internet payday loan was taken out in my name with my social security number. I myself did not submit this payday loan, however my ex-boyfriend did under my name and false pretenses, he also is in default with them and I'm having issues getting them to confirm any information on the loan. Not to mention this loan is from back in XXXX to XXXX not sure exactly when.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I purchased hotel package with a third party XXXX XXXX. Their policy was no refunds, however they canceled the main event and there is 14 day quarantine if you travel to XXXX XXXX due to Covid 19. I disputed this matter with my bank however they denied my claim. I had until XX/XX/2020 to reschedule my trip, but it takes 90 days to dispute a claim. I was unable to reschedule my trip due to me being a XXXX XXXX at a XXXX I am an essential worker and I wont be able to reschedule due to my XXXX policy. My job goes by seniority I wont be able to put in my time off until next year. Now my bank allowed this company to take XXXX from me. I paid for a trip that I didnt receive and now they got away with my money. Can you please help me. Thanks sincerely XXXX XXXX.