davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (NY)

On Wednesday XX/XX/XXXX I was notified by my credit monitoring service that there was a change to my credit report. When I looked the message read, " you have one new 30 day late payment ''. I was puzzled because I work very hard to maintain a high score and payment history. After looking deeper into the report I noticed that GM FINANCIAL is the company reporting the late payment on the lease that I traded in to XXXX XXXX on XX/XX/XXXX. I have made every single payment on time and sometimes early. I called in to speak to GM FINANCIAL customer service on XX/XX/XXXX & XXXX  to clear up this matter. I was told that there was a letter sent to my home but I never received a letter. When I spoke to the rep.I was met with hostility and sarcasm on the XXXX. On the XX/XX/XXXX I called back to see if someone else can help, I spoke to the rep named XXXX and then to a supervisor named XXXX # XXXX and I was stonewalled by them both. They told me and I quote " we called and received no answer and we didn't leave a message, but on the XXXX someone picked up and hung up the phone '' They called my wife 's phone but never called my phone and I am the primary contact information. They admitted to me that they only called her phone on that day. That sounds like predatory, unfair practices on there part. If the loan is under my name and they don't call me that is not fair and again, I did not receive a letter from them. If they wanted me to receive such an important letter why wouldn't they send it certified mail. I am disappointed and frustrated with the entire situation and am requesting your help.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

company emailed me and said they could not deliver it. i had written them letting them know we had fires, toxic severe smoke, were on a lockdown and this household had covid. they were supposd to deliver it two months earlier but never replied, then one day i get the email saying the couldn't, so account was to be closed. they cancelled. yet, they not only kept the charge acct active but they ruined my credit and imposed late fees on a fraudulent charge. i am seeking interest in the amount of 1.2 percent each day account remains open from the date they opened it, the credit report not fully repaired, and for time spent emailing and repairing the credit in total of XXXX i am also seeking arbitration through Fair Shake and a class action attorney and have reported this to CA, SEC XXXX and DA.
Consumer complaint received 2021-01-29
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. (PA)

On XX/XX/XXXX I called XXXX XXXX XXXX about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from XXXX XXXX XXXX. They told me that they brought they contract because XXXX went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XX/XX/XXXX and on the XX/XX/XXXX was hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed XXXX XXXX XXXX company. I asked them can they send the payment records from XXXX it looks like the payments started over as if I did not pay XXXX XXXX  which I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since XX/XX/XXXX XXXX
Consumer complaint received 2018-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cornerstone Holdings, Inc. (HI)

A few years ago I cancelled my phone contract with XXXX because I found out it was cheaper if I just bought a pre-paid phone. Well in order to get a pre-paid phone and get out of my current phone contract I had to pay off what was left on my current phone contract. I'm pretty sure I was told I paid off everything with them. Later my card information must have not been taken or rejected because I found out I had money in collections. I wasn't able to find out that I had an unpaid debt because I had changed phone numbers! I have never had any problems with paying my credit on time or debt problems of any sort and I hate that this is on my credit record and I want it off if any way possible. 

The creditor that was trying to call me but was calling by previous cancelled number was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX The phone company I had cancelled with but couldn't contact me because they were calling a canceled number was : XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX My credit collection opening date was : XX/XX/2015 The collection amount I paid of on record at XXXX XXXX is : {$110.00} ( However, I remember paying way more ) My current phone number is : ( XXXX ) XXXX I want this off my record as I genuinely was not able to be contacted for years because they were trying to contact me at the wrong number. I didn't find out about this until got an account with XXXX and saw it on my record. So I ended up having to call them from my new number. 
Thank you so much for your help. 
Respectfully, XXXX XXXX
Consumer complaint received 2021-04-15
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. (TX)

I was a victim of identity theft and which someone got an account under my name with XXXX. I already mailed them the information in which they never got back with me on. I sent them my police report and identity theft report. They continue to email me one email was around XXXX which is a inconvenient time for which is a violation of my rights as a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (TX)

I had replied to an offer I received through my XXXX  Co-op membership for an XXXX XXXX XXXX XXXX offering 0 % balance transfers. I applied and recieved approval for the card and the account on XX/XX/XXXX by email. I also received a phone call about authorization for balance transfers on XXXX XXXX, and I agreed to the transfers I had requested. There was no mention of an increase in the balance transfer rate during that call. 

When the first transfer showed up on the US bank statement, it showed an 11.99 % interest rate. This was not mentioned in the authorization phone call, or by email, or in any other written communication. I called today XXXX XXXX XXXX ) and was told I had not qualified for the 0 % interest balance transfer. Fortunately, since the process was so slow, I was able to cancel the second of the two transfers I had requested. I am still charged the transfer fee of {$100.00} plus {$3.00} of interest for the first transfer. I spoke with a fraud resolution specialist named XXXX, who did not acknowledge fraud, and agreed to cancel the remianing transfer, but did not offer a repayment of the balance transfer fee.
Consumer complaint received 2021-01-29
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. (PA)

On XX/XX/XXXX I called XXXX XXXX XXXX about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from XXXX XXXX XXXX. They told me that they brought they contract because XXXX went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XX/XX/XXXX and on theXX/XX/XXXXwas hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed XXXX XXXX XXXX company. I asked them can they send the payment records from XXXX it looks like the payments started over as if I did not pay XXXX XXXX  which I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since XX/XX/XXXX XXXX
Consumer complaint received 2021-01-29
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. (PA)

On XX/XX/XXXX I called XXXX XXXX XXXX about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from XXXX XXXX XXXX. They told me that they brought they contract because XXXX went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XX/XX/XXXX and on the XX/XX/XXXX was hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed XXXX XXXX XXXX company. I asked them can they send the payment records from XXXX it looks like the payments started over as if I did not pay XXXX XX/XX/XXXXwhich I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since XX/XX/XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus was dated XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-16
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. (OH)

My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXX still remained with XXXX. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account manager, XXXX at XXXX, ext XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only XXXX has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XXXX, {$80.00} on XXXX, {$80.00} on XXXX and the last payment of {$43.00} on XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with XXXX and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XXXX/XXXX/XXXX. the other accounts with XXXX, all those all due to be paid off on XXXX/XXXX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at XXXX
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (DC)

I sent letters to the Navy Federal CEO XXXX XXXX and the XXXX department via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I sent emails directly to the Navy Federal CEO, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I have had excellent payment history, but I have two late payments in XXXX that are severely hurting my credit because they are considered recent. However, I have done further research and found that these late payments are inaccurate. 

I have been begging for deletion since I was admitted into the XXXX XXXX at my local hospital for a severe condition that almost took my life. I could not support my family and while in the XXXX  in XXXX XXXX I lost my job. And even still, I was a loyal customer and ever worst according to my records I did make payments for XXXX AND XXXX of XXXX yet they are reporting two late payments that have irrecoverably damaged my credit score I made ACH payment of {$20.00} on XX/XX/XXXX, {$60.00} on XX/XX/XXXX, and {$20.00} on XX/XX/XXXX
Consumer complaint received 2020-11-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

My file was never sent to Underwriting and the lender made and requested to amended my ( Home Insurance ) and positioned themselves as the lien holder even though my file was never sent to underwriting.

I applied for a VA IRRL Streamline and decision after 45 days of my file being submitted and application completed an email was sent that I had late fees assessed and that was why my file was not submitted to underwriting.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

I had open a checking account in XXXX, Minnesota. The account was over drawn by myself at first as I was homeless. I would pay the {$35.00} fee plus the amount of the check. The problem was a banker said the checks went in the same day within minutes but the company XXXX said it was taken by law enforcement. The checks I put in to help cover the amount was not the same as a regular checking company. So a woman from XXXX XXXX banked locally in XXXX, Minnesota and her bank check was from some other banking company she never heard of. Then people claimed I was rich online recently when I am poor. I found out in XX/XX/XXXX the bank cleared checks from " XXXX  XXXX XXXX  '' that was in my account. I also discovered that the account was all payteck fees and I was hit several times. The checks go in constantly and are bounced but I get hit with payteck like 3-4 or more times per check. Under Iowa laws it's legal but in Minnesota it's not legal. I moved to Minnesota in XXXX so I was a legal resident.
Consumer complaint received 2017-12-16
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. (OH)

My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX  because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXXXXXX still remained with Comenity. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account XXXX, XXXX at XXXX, ext XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only experian has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XXXX, {$80.00} on XXXX, {$80.00} on XXXX and the last payment of {$43.00} on XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with comenity and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XXXX/XXXX/XXXX. the other accounts with XXXX, all those all due to be paid off on XXXX/XXXX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at XXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Due to identity fraud I placed a credit freeze on my account last year with the three credit reporting agencies. Despite having the Feeze in place Experian provided my hard credit report on XX/XX/21 to XXXX  XXXX XXXX in response to a fraudulent credit card application.
Consumer complaint received 2018-12-09
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. (GA)

I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Transunion, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2020-11-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (PA)

To Whom It May Concern : I hope this message finds you well. The reason you are receiving this message is that IC System, XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) has a derogatory account on my credit report that is being reported incorrectly. IC System has a {$1900.00} as a derogatory balance that was last reported on XX/XX/XXXX. Please be advised that I dont owe the IC system for any outstanding phone bill. Therefore, I am asking the consumer reporting to update this information correctly and remove such derogatory and report to all three major credit agencies.
Consumer complaint received 2021-11-11
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. (MI)

I called Equifax to remove multiple inquiry 's that I did not give my permission to be on my customer report. They sent a letter XXXX, XXXX, 2021 stating that it will not be removed.