davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
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: General Motors Financial Company, Inc. (CT)

Sent out letter to find out why it was on my report on XX/XX/15 received reply on XXXX stating they didn't know what I was talking about. I sent the acct number and they also listed it on the reply. Their letter stated they didn't have anything to verify the account
Consumer complaint received 2020-07-25
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 went to apply for a auto loan and was denied because of my credit. Upon further review and setting up a XXXX XXXX account I noticed several accounts that did not pertain to me and that I have never even had. I believe someone has used my identity to get these cards. They report as XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX. There is also a collections for the bureaus which I have no idea what that is. Please help me get this corrected because I need a car for me and my family.Thank you.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IN)

Citi Bank is artificially keeping my card maxed out. I had a {$10000.00} limit, I got my house ready to sell recently and incurred a lot of expenses and maxed out a couple cards. I just got the funds for my house and paid down my cards by a total of {$25000.00}. I paid down the citi card by XXXX, and the INSTANT the payment clears I get an email that states they lowered the limit to the amount I had just paid the card down to and it was because of my credit score. But now Im stuck in a catch-22. I cant improve my score because they have both lowered my limit and kept the card maxed out artificially, and I cant keep the limit where it was to improve my credit score. I just wanted to keep my limit where it was so I could get my credit score back up and they are now preventing me from doing that.
Consumer complaint received 2017-12-26
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. (TX)

I have a couple of hard inquiries that I have been trying to have removed. These inquiries are causing issues with me trying to attain new credit. I would like them removed please. I have called, emailed, and disputed as well as sending this. Please help me with this issue. 

XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

I paid the loan amount off in full and have been waiting for the status to be reported to all 3 credit bureaus. I paid the account off in full and Im awaiting for the company to report the information to the credit reporting bureau : XXXX, XXXX, and XXXX.
Consumer complaint received 2017-07-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Immediate Credit Recovery (OH)

ICR, Immediate Credit Recovery garnished my husband 's wages for {$320.00} each pay period ( every two weeks ) without proper notification. I was not aware of any money owed until I received paperwork for the garnishment from my employer until 8 days prior to the funds being deducted from my pay. The amount being deducted has adversely affected my family and my credit, I can not meet my basic living needs and I have XXXX XXXX children at home. Both are in need of summer clothing to fit them, and we have a combined school expense of {$800.00} that was due XXXX XXXX, and we ca n't afford to pay it. I have had utilities turned off, not able to pay for groceries and media actions needed because we have an {$11000.00} deductible. <P/>We are incurring late fees on our financial obligations and never had the opportunity to dispute or set up affordable payments. <P/>I need help ASAP as ICR has failed to respond to faxes, email, and phone calls. When I call I press option 3, them get a recording and disconnected. I requested a hearing on XXXX XXXX and was told they were wating for a response as to the date of the hearing only to find out 6 weeks later ( XXXX ) that they never sent it so we wait another 30-60 days for a hearing date while they continue to take money from my husband 's pay. <P/>We do not qualify for any type of assistance because they look at gross income, they do n't take the garnishment in to consideration. This company had contradicted themselves and made it impossible for us to meet our basic needs.
Consumer complaint received 2020-07-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I contacted Capital One in XX/XX/XXXXabout some fraudulent activity on my account. Nothing was addressed until XX/XX/XXXX when I filed a complaint with the CFPB. Through the investigation, the credit card company credited my account for the purchases made on my account. In XX/XX/XXXX, the CFPB received notification from Capital One that they had granted me monetary relief for approximately XXXX which would cover the amount of fraudulent transactions. The CFPB believed the complaint to be settled and closed the complaint. There was neither any explanation nor indication that any of the previously credited money would be returned onto my card. 
Reference number : XXXX Capital One received payments from two different bank accounts not in my name and not controlled by me. They confirmed and approved the deposits which made it appear that the account was active, up to date, and able to be used. Three months later, after the purchases were made, the deposits were returned. It is not my fault that Capital One did not do due diligence and accepted monies from what were presumably stolen bank accounts. Had Capital One not approved the deposits, the purchases would not have gone through. There was no indication that there was anything wrong with the account until the payments were returned in XX/XX/XXXX.
Consumer complaint received 2020-07-25
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (LA)

My XXXX was repossesed via towtruck on Friday XX/XX/2020. In the middle of the global pandemic of COVID19. I am a high risk individual, with a history of XXXX. My Lease bill went unpaid for 2 months, amidst a time I thought I was on auto-pay for the lease. Yesterday I answered the day to an unmasked towing worker, with my car already connected to the tow truck. I had only a few minutes to grab what I could. The office phones of Honda Finance were unresponsive, stating they were closed. I had been told no notice of it being repossesed. 

Imagine having hardly enough money for food in an economic shutdown and having your car towed away to be held against fees and charges that I haven't even begun to have explained to me. 

I have been out of work for weeks, and have been waiting 3 weeks still for PUA payments from the Government. 

I now have no way to pick up medications, food, or access to the items left behind in the car.
Consumer complaint received 2023-01-30
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. (OR)

The credit bureaus put a statement on my report but DID NOT remove the inquiries that were a result of fraud. Delete these immediately. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-01
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. (VA)

In accordance with the Fair Credit Reporting Act ( FCRA ), the following ( 4 ) Creditors have violated the rights afforded to me by the FCRA.

NOTE : The " Account details '' for the 4-Creditors listed below are noted in the following " Fiar Resolution '' section of the complaint. 

The following Creditors have violated the rights afforded to me by the FCRA : 1. XXXX XXXX BANK - Account Number : XXXX. 
2. XXXX XXXX - Account Number : XXXX. 
3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account Number : XXXX. 
4. XXXX XXXX XXXX ( Original creditor : XXXX ) - Account Number : XXXX. 

XXXX**The ( US Consumer Laws ) in accordance with the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A ( Section 2 ). States that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B. States that acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

The CONSENT Delay, Prolong in Responding to Modification, compound of Fees to rise the cost owed. 
Nationstar, which is now doing business as Mr. Cooper, engaged in a number of unlawful practices in handling mortgages following the Great Recession. Specifically, the loan servicer failed to honor borrowers loan modification agreements. Nationstar also allegedly foreclosed on borrowers with pending forbearance applications after promising not to do so and failed to properly handle escrow payments and accounting for homeowners who were in XXXX XXXX bankruptcy proceedings. 
Nationstars failings resulted in substantial consumer harm. The fact that my foreclosure has been going on for 4 years is Most Ridiculous with NO explanation OR explanation. They Purposely have drag out my court case that makes it impossible to catch up or reinstate mortgage, they have even INCREASE mortgage payment in order for consumers to DEFAULT on making payments.
Consumer complaint received 2018-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

I had just received a letter from XXXX XXXX XXXX. Monday XX/XX/2018. The letter is dated from XX/XX/2018. XXXX XXXX XXXX claims that they had sent me a letter requesting additional information pertaining to the account I had disputed. I had not nor ever received a letter from XXXX requesting additional information. I do believe that they had made a gross error and hope that they take the time to look into this matter
Consumer complaint received 2019-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (FL)

BMO Harris holds out mortgage. Our primary residence suffered a water leak in the master bathroom. We completed the repairs to the master bathroom this summer and filed an insurance claim for the repairs with our insurance company. The insurance company made the app {$38000.00} check out to both my husband and I ( the mortgage holders on the home ) AND BMO Harris. 

On XX/XX/XXXX I was advised by BMO Harris that I would ned to drive to the closest BMO Harris branch to have the check endorsed back to me so I could deposit the check in my bank. I drove over 2 hours each way to the closest BMO Harris branch ( in XXXX, FL ). While there I was told to wait in XXXX for the day and I would have my endorsement stamp taken care of by the end of business. While at the branch I was forced to endorse the check with my signature and hand it over to the back clerk there. After waiting for many hours, at the end of the day I was informed that I would not be getting the endorsement I was promised. That the BMO Harris XXXX Branch needed to send my check to the XXXX Escrow office for an endorsement stamp and that it would be forthcoming within the day. 

My husband spoke with XXXX with BMO Harris Customer service who passed along our request for information. After not hearing anything from BMO Harris the morning of XX/XX/XXXX I finally spoke with an Escrow employee who answered the ohone when I called. Her name is XXXX. She informed me that we would need to undergo an inspection to verify that the repairs were done as stated, that an inspector would call me before the close of business, and would come to our house the next day to complete the required inspection so the endorsement could take place. 

The inspector did not call that day, but when he finally did call I learned he was unable to inspect until Tuesday XX/XX/XXXX. He inspected on XX/XX/XXXX and assured me that his report showing the repairs were 100 % complete ( as I had claimed ) would be to his manager 's desk by XXXX that same day. BMO Harris had previously informed me that if the inspector 's report stated the repairs were compete and that report was received by XXXX, then the check would be endorsed by BMO Harris and overnighted to me for next day delivery. 

Since the morning of XX/XX/XXXX I have been trying to get a return phone call from BMO Harris about the status of my nearly {$38000.00} check. I have called every day since XX/XX/XXXX and left a message. They refuse to return my phone calls. Their voicemail message states they will return calls within 24 - 48 hours. Its been going on FOUR days and I have not yet gotten a return call. I would like answers as to where exactly is my {$38000.00} check, and why has it not been returned to me, endorsed. 

I find this treatment extremely disrespectful and certainly unfair that they are holding my {$38000.00} for no reason whatsoever and refuse to so much as advise me as to when it will be sent to me.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

Mortgage paid in full on XX/XX/2020 and no refund of escrow account in the amount of {$6500.00} has been received nor proof of payment/mailing provided by Lender. Contacted Lender by phone on XX/XX/2020 and XX/XX/2020 and still not proof provided. As of date of this complaint, it has been 27 business days since load paid in full and Lender has failed to meet the 20-day rule per to 12 CPF Section 1024.34.
Consumer complaint received 2019-11-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My current mortgage is with NewRez. My loan ID no. XXXX. 

I am in the process of refinancing my loan to a lower interest rate with XXXX XXXX. My original closing was suppose to happen by the end of XX/XX/XXXX but now I am scheduled to close on XX/XX/2019. 

NewRez sent an updated loan payoff letter that included an additional amount for my property taxes {$2300.00}. 

My escrow account at new Rez has a balance of {$2600.00}. 

I contacted the customer service at New Rez on XX/XX/2019 and requested a new payoff letter that did not include the amount for property taxes and after placing me on hold and checking with a supervisor the rep came back to the phone and told me that the new letter would be emailed that day. The letter was never sent. 

Myself and the loan officer from XXXX XXXX called new Rez today and was told that the payoff letter would not be changed. I asked to speak with someone in the loan servicing department and was told that I could not be transferred to that department. 

I have sent an email to the loan servicing department and waiting for a response. If I am not provided with a corrected loan payoff letter I will be forced to either delay my closing again or try to come up with {$2300.00} for closing in less than 24 hours. 

New Rez is currently holding {$2600.00} in my escrow account but yet they are forcing me to pay an additional {$2300.00} to be able to refinance my loan. 

I was told by the customer service and the customer service supervisor that is their procedure and when I asked to speak to her supervisor I was told that XXXX XXXX was not available and that if she was available Ms XXXX would give me the same response.
Consumer complaint received 2018-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (TX)

XXXX and XXXX, also XXXX, I have not been successful, this company is tek collect inc, XXXX XXXX XXXX, XXXX XXXX tel -XXXX, this debt is reported to my XXXX, XXXX report . I have tried numerous times to get this deleted, I have not been successful. I call they keep me on hold, do not come back to speak to me, one person was very rude. I just did not call anymore. someone have a similar name, and they just pinned the debt on my credit file. Also I have a debt company by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, tel # XXXX that is still showing on my XXXX  file, I had it deleted on my XXXX  report, I requested numerous times to get it deleted on my XXXX , I even send them a copy of XXXX showing deleted, no luck yet. Please I need this resolved. I turn to you, because you do get things done right away. You have help me get a lot of debts that show that was not mine. Thank you again.
Consumer complaint received 2023-01-30
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. (OR)

The credit bureaus put a statement on my report but DID NOT remove the inquiries that were a result of fraud. Delete these immediately. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!