davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

I have had a auto loan through GM Financial for 4 years one payment was made late during that time. InXX/XX/2016 the company pulled several payments out of my bank account at once. Three payments to be exact. They took out the current month and two additional months payments. My bank pulled back the funds and  investigated, They found GM Financial to be at fault. In the meantime the company repossesed my vehicle. It cost me a large amount with towing fees and storage fees and additional fees from GM Financial I got my vehicle back. Several thing were broken in my truck from the tow company. After all this they apologized I thought I will do my best to get out of the loan and away from this financial company. Now they have listed numerous late payment that were not there before and they are not reporting to any credit agency any payments or correct balances on my loan. ( Not reporting on anyones loans ). I recently went to purchase a new vehicle and was unable to. This company has me hostage. I called again today and was told there is nothing that can be done and they will not be reporting anytime soon. What are my options.
Consumer complaint received 2021-09-09
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. (MD)

Transunion, XXXX and XXXX was notified by certified mail of a bankruptcy on my credits reports on XX/XX/XXXX XXXX To remove it off my public records or investigate while its XX/XX/XXXX and i have not heard anything from them. Its been a ongoing problem since XX/XX/XXXX they sent me a letter stating that the courts of bankruptcy verified the bankruptcy and the courts sent me a certified letter stating that they don't release that kind of information its illegal for them to. I would like for it to be removed because they didn't provide me accurate information nor respond in a timely manor.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Bread Financial Holdings, Inc. (IL)

On   XXXX   XXXX   XXXX    , I requested a credit line increase after confirming multiple times with two agents that the credit line increase would not result in a hard hit to my credit bureau. Soon after, I reviewed my  XXXX  report and noticed that a hard inquiry was in fact posted to my credit bureau. I then notified Comenity Bank  ( " Comenity  '' ) via telephone, explained the situation, and asked that they review the calls and my account to validate that they in fact stated this would not be a hard inquiry. The supervisor I spoke to informed me there was nothing he could do. I then wrote a letter to Comenity explaining the situation, and I received a response in Comenity that stated they reviewed my account and everything was correct, with no discussion of listening to the calls.   At this point, I notified the CFPB of my complaint and my situation. The CFPB then forwarded the complaint to the FDIC. The institution FINALLY conducted the research I requested several times and provided a response ( attached ) stating that the following occurred : - Bank associates incorrectly stated a hard inquiry would not occur ; - Several instances where a Bank associate did not address [ my ] concerns or adequately resolve this matter ; - Associate did not read the proper disclosure to [ me ] when they processed  [ m y ] request for a credit limit increase ; and - A request was sent to the credit reporting agencies to remove the inquiry from [ my ] credit file within 45 calendar days.   Comenity 's response was sent on   XXXX   XXXX   XXXX    , and the hard inquiry still appears on my credit bureau.   I recently contacted Comenity, and  XXXX   XXXX  notified me there is nothing further that he could do. Under the Fair Credit Reporting Act, they did not have permissible purpose or permission to access my credit bureau, and therefore, incorrectly posted a hard hit to my bureau report.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX Account : # XXXX XXXX XXXX XXXX XXXX is reporting 34 late payments on an account that is now closed and paid in full on my Experian and XXXX Credit Reports. 

Under 15 U.S. Code 1681b- permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX  is in clear violation of 15 USC 1681b under the FAIR CREDIT REPORTING ACT.I have written XXXX XXXX XXXX XXXX  to inform them and the items remain currently as they have not abided by the Laws expressed in the Fair Credit Reporting Act.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

i got an e-mail showing somebody trying to open a checking & savings account in my name with bank of america. i have a credit card with them, i called there fraud dept. with the # on back of the card. i talked with XXXX, i told her that was not me trying to open those accounts, she said she would start a fraud report, and gave me a number # XXXX. we then both looked at my card info. at the time i reported this prob. i had a positive bal. of XXXX, my sec. and i both paid the bill.i asked to get that back XXXX said they would cut a check and mail it. when i reported the problem my acct. was ok. couple of days later i checked my account and found i owe XXXX i called bank of america again, i was on the phone from XXXXXXXX to XXXX XXXX bounced from one agent to another all i got out of them was they closed my cc account.they then sent me a letter saying they are not respons. for anything. i owe themXXXX. i then tryed again to talk to them about it, i got a 2nd letter same answer. so here i am?
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DEAR SIR / MADAME TRANSUNION  REFUSED TO UNFREEZE AND UNBLOCK MY ACCOUNT.. NO ACCESS..
              I HAD FREEZE MY ACCOUNT DUE OVERWHELMING
UNKNOWN CREDIT CHECKS ON MY ACCOUNT WITHOUT MY KNOWLEDGE..
BY OTHER COMPANY...
SOO
I REACH OUT TO TRANSUNON TO UNFREEZE MY ACCOUNT FOR PERSONAL REASON/ FAMILY EMERGENCY.
BUT THEY DENIES ME.. THEY BLOCK MY ONLINE ACCESS AND PHONE ACCESS TO UNBLOCK / UNFREEZE MY ACCOUNT. ASAP.
THEY TIES ME UP FOR HOURS OVER THE PHONE.. DEGRADING ME.
CAUSING ME HARDSHIP AND STRESS.
THIS CAUSING PAIN AND HARDSHIP.. 
LONG HOURS ON THE PHONE GOING AROUNG IN CIRCLE .. GET NO WAY..
THEY HAND UPON ME AND KEEP TRANSFERRING TO COLLEAGUES.OVER AND OVER. .. I AM VERY SICK FROM THE EXPERINCES. MY XXXX XXXX XXXX XXXX..
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (AZ)

We sold our house on XX/XX/2022. On XX/XX/2022 I received a call from LoanCare ( XXXX XXXX stating that the payoff for our house provided to XXXX XXXX XXXX in XXXX Texas was inaccurate. On XX/XX/2022 I received an email with a payoff for our mortgage that I had not requested. I contacted XXXX XXXX and spoke with XXXX XXXX who informed me that XXXX XXXX had made the request to receive the payoff via fax. She asked me to forward the payoff to her email- which I did. The payoff given on XX/XX/2022 ( which was good through XX/XX/XXXX ) by LoanCare listed a principal balance of {$160000.00} and an additional balance of {$8200.00} which was the down payment assistance we received through the FHA loan program. The call on XX/XX/2022 with XXXX from LoanCare stated that the payoff did not include the interest which was to be an estimated {$5600.00}. XXXX informed me that LoanCare could not accept the wire transfer from XXXX XXXX due to the payoff discrepancy. I contacted XXXX XXXX and spoke with XXXX XXXX. She spoke with her compliance department and called me stating that she had been directed to pay the original payoff given plus the additional {$5600.00}. She let me know that once this is done XXXX XXXX would send a judgment letter to myself and my husband to reimburse XXXX XXXX the {$5600.00}. 
When we spoke to LoanCare the week of XX/XX/2022 an employee confirmed that the payoff sent to us on XX/XX/XXXX was incorrect and the payoff XXXX provided which was good through XX/XX/XXXX was in fact the correct payoff statement. We were directed to the escalation department. They created a case number and told us this would be researched and we could reach out to them for updates on the case. We explained to them that since this payoff was generated by LoanCare they should accept responsibility for the inaccurate calculation and accept the payment from XXXX XXXX as satisfactory to pay off the mortgage. XXXX at XXXX XXXX told me that since the payoff was sent to my email I would be responsible. I reasoned with her that I did not request nor initiate sending the payoff to XXXX XXXX. LoanCare sent it to me by fault and XXXX at XXXX XXXX asked me to send it to her- not knowing that she should have made another request to LoanCare to receive it directly. Since the transcation has already taken place - the house has been sold and recorded with the state of Texas for XXXX weeks now, LoanCare should accept the payoff of the loan and the loss of interest and complete their portion of the transaction.
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I obtained a car loan thro ugh Santander Consumer c ompany on   XXXX   XXXX   XXXX     a  XXXX   XXXX  My fist payment was due on   XXXX   XXXX   XXXX   I made my  1 st.  Payment on   XXXX   XXXX   XXXX   2. Payment on   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.    XXXX   XXXX   XXXX    5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   Santander took my  XXXX  payment that was intended for  XXXX  Payment and only credited me for the principle payment of {$22.00} and put the rest towards my interest. Then they charged me a late payment and affected my credit with another lender that I was trying to refinance the loan with for a lower rate, saying that I had a late payment of 15 days and the account was placed into collection.  Santander  should be charged with predator lender practices .This affected me from obtaining a different loan at a lower rate. My rate with  Santander  is  XXXX  % and the rate I was offered prior to the lender contacting Sandtander was  XXXX  % which would have save me greatly over the term of the load. I believe that this was intentionally done to keep me oppressed under this high interest rate loan.
Consumer complaint received 2018-01-24
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: SUNRISE CREDIT SERVICES, INC (TX)

cra violaton sent po report XXXX has let their breach miss up my credit with everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1900.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I mistakenly sent my mortgage payment to previous loan servicer Ditech on XX/XX/XXXX. Since then I have called them more than 10 times and have not received my check back. Everytime I call, I get a different answer. I have been told the check was mailed on XX/XX/XXXX and then was told on XX/XX/XXXX. Nothing came in the mail, I verified my address and it is correct. Supposedly a manager was working on it but when I call her she has to send email to another area to find out and then nothing happens unless I call them to get the same answer. I have even told them to check with Monetary department to look under unapplied account and overnight the check. No one seems to know what to do. I have now starting getting assessed late charge and collection calls from my current servicer. I admit I made a mistake but it should not take this long for a big company to cut a check. I have worked myself in a bank before and checks can be cut same day and overnighted.
Consumer complaint received 2018-01-24
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. (NJ)

I obtained a auto through XXXX on XX/XX/XXXX. Over the five years I had this loan the lender charged over and beyond in fees. I paid my last loan payment and in XX/XX/XXXX and the lender tried to charge me a late fee. I refused to pay it. The lender has been negativly reporting for since XX/XX/XXXX. The balance was at {$39.00} I had it deleted from my credit report and they place it back on without notifying me first and the balance was now {$420.00}. I have tried to call them to resolve this. They are willing to accept my money but they will not delete the negative reporting history. They can not do this because technically the " charged off '' the account. They wrote this off and they want to collect money " double dipping '' XXXX has been incorrectly reporting the balance on my account, I disputed and it was removed and they placed it back on my report for a totally different amount than what was previously being reported/.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX AND EXPERIAN FAILED TO SEND AN UPDATE AFTER MORE THAN 30 DAYS. I SENT LETTERS ON XX/XX/22 INFORMING THEM OF UNAUTHORIZED INQUIRIES AND THEY IGNORED MY LETTERS AND CONTINUED TO REPORT THE INQUIRIES. I HAVE FILED A FTC COMPLAINT BECAUSE THESE WERE NOT AUTHORIZED BY ME. I WILL ATTACH THE LETTER AND FTC COMPLAINT. DELETE THE INQUIRIES THAT ARE LISTED IN THE LETTER FOR INACCURATE REPORTING AND BECAUSE YOU HAVE FAILED TO REPLY IN THE TIME ALOTTED. THE LETTERS WILL BE DATED AND TIME STAMPED FOR YOUR REFERENCE.
Consumer complaint received 2021-09-09
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. (MD)

XXXX, Equifax and XXXX was notified by certified mail of a bankruptcy on my credits reports on XX/XX/XXXX XXXX To remove it off my public records or investigate while its XX/XX/XXXX and i have not heard anything from them. Its been a ongoing problem since XX/XX/XXXX they sent me a letter stating that the courts of bankruptcy verified the bankruptcy and the courts sent me a certified letter stating that they don't release that kind of information its illegal for them to. I would like for it to be removed because they didn't provide me accurate information nor respond in a timely manor.
Consumer complaint received 2022-09-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (VA)

I was locked out of my account from rocket mortgage and not allowed to make any more monthly payments even though i was not in foreclosure. 
I called them several times and tried to get them to be honest and coordinate with the XXXX XXXX XXXX XXXX so that they could get my mortgage caught up. 
I was ready to resume my monthly payments, however, I could not I was informed by Rocket Mortgage Customer Service Personal that in order for me to begin my monthly payments again I would have to pay the balance of {$5500.00} in a wire transfer. 
I had a insurance payment that I used to do the wire transfer and resume my monthly payments however, by doing this and by me making the transfer the Mortgage company told me I had to make made me ineligible for the XXXX XXXX XXXXXXXX XXXX and now I am out of work again through no fault of my own AND my insurance company wants to do an inspection of the property. I am really at a complete loss. Help!!!
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX when I reviwing my statment I found 2 transactions I did not made them I caled Sears Card company and filed a claim and the removed it After that they sent me forms to sign. I signed them and sent it back to sears card company. 
But in XX/XX/XXXXI found these 2 transactions again in my account I called Sears card company again but they did not solve my complain. 
Thaese transactions are XXXX XXXX {$4100.00} TYPE Sale POST DATE XX/XX/XXXX REFERENCE NUMBER XXXX XXXX XXXX {$1300.00} TYPE Sale POST DATE XX/XX/XXXX REFERENCE NUMBER XXXX I did not made these transaction and I did not receive anything
Consumer complaint received 2017-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TN)

On XX/XX/XXXX I disputed 2 collection with the 3 credit bureaus and also sent a debt verification letter to Cavalry. They responded by sending me one statement showing 1 statement for XXXX XXXX, reference # XXXX, but did n't send the original terms I entered into an agreement in XX/XX/XXXX. I specifically asked for the same terms for the other account they are trying to collect on which is XXXX XXXX XXXX  reference # XXXX which I never got a response from after my first debt validation letter.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (GA)

On XXXX XXXX I was charged three times for the same pair of shoes at XXXX XXXX. The card machine kept saying transaction not completed which is why I ended up swiping my card three times. One credit and two debit. I disputed the transactions as soon as I found out the purchases actually went through. I contacted netspend with XXXX XXXX  payment center on a conference call. The merchant notified netspend that none of the three transactions went through and that they were all declined. They even sent documentation to netspend that those transactions were declined. I was refunded {$110.00} for the credit swipe first since the transaction hadnt posted and a couple months later another {$110.00} for one of the debited transactions. However there is still one debited  transaction of {$110.00} that hasnt been refunded theyre saying they found no error in that transaction and I wont be refunded despite the talk, documentation, and letter they received from XXXX XXXX. Its been about four months now and I still dont have my money.
Consumer complaint received 2017-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MA)

Between the periods of XX/XX/XXXX to XX/XX/XXXX I had purchased to vehicles and financed through Wells Fargo XXXX New and XXXX used. Through out the loan terms the subsequently on a monthly basis added and charged me for their own auto insurance even tho i had my own auto insurance policy on XXXX vehicles. This subsequently caused me be delinquent and not to be able to manage my loan payments and at different points each vehicle was repossessed even after attempts were made on my behalf to correct the problem and lower payments to no success. Eventually I was able to recover the new vehicle after paying thousands of dollars in payments and fees to be able to get it back and payed it off and finally sold it in XX/XX/XXXX. The used car tho i was not able to recover and they sold it at auction and billed me for an additional {$12000.00} which they claim was the difference and eventually i ended up paying to them to pay the supposed balance. I also had to pay taxes for the supposed losses they incurred on that vehicle to the IRS when i filled my taxes.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Special Financing Company, LLC (OK)

took out a personal loan with this business in   XXXX   XXXX  , have only received a few monthly statements in the past year. I have had to call and request a few of them. On   XXXX   XXXX   XXXX   the business informed me that because  XXXX  of my statements was returned that their system would no longer issue monthly statements again, that I could call and request them. I said that the duty is not on me as the debtor to request my statements and asked for a supervisor but was told that she was out. On   XXXX   XXXX   XXXX   I spoke to a company supervisor and advised that this was not acceptable and demanded to receive monthly statements on my account. She said she would arrange for their  XXXX  employee to " fix '' the problem in their system so that I would receive monthly statements. I asked when I should expect the next statement, she advised me that it would generate after   XXXX   XXXX   and that I would receive it by mail shortly thereafter. On   XXXX   XXXX  , I still did not not received a statement, so I called customer service. The representative said that I can not get monthly statements because I have had mail returned. I explained to her that is an issue that the  manager said that she was going to solve and the representative said that it had not been solved yet and that the manager was not available. On the original loan contract it states that they " the creditor '' will mail monthly billing statements of all charges on my account unless prohibited by fe deral law. The creditor is breaching the contract by not mailing monthly statements to me.