davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (IN)

I had a lease vehicle for 39 months with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX and it was financed by GM Financial Leasing. My loan matured on XX/XX/XXXX in which I turned the vehicle in 5000 less miles than the XXXX that was allowed, back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, without purchasing another vehicle. My last payment to GM Financial was on XX/XX/XXXX for {$1200.00}. On XX/XX/XXXX, I received an alert from XXXX that my score dropped 45 points. Upon opening the app, I discovered that GM Financial Leasing has reported my closed account as over 30 days late and I immediately filed a dispute with XXXX about it was a closed account and after their investigation on XX/XX/XXXX they said their investigation was completed and it was correct according to GM Financial. On XX/XX/XXXX, I contacted GM Financial and I found out that my car was grounded with GM Financial on XX/XX/XXXX, ( a term that is used for leased vehicles, releasing me from the debt/car ) but on XX/XX/XXXX, in their notes ( GM ), someone called from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to unground the vehicle, supposedly the person who owned the car wanted to purchase it right out, by XXXX. Upon talking to the representative, I suggested a 3-way call so she could explain the problem, because I was no longer in possession of this vehicle, since XX/XX/XXXX. And I never intended to buy the vehicle because I purchased one back in XX/XX/XXXX in Florida, while on vacation. 
When talking to the dealership, they said they don't have a XXXX and the person who grounds the vehicles name is XXXX, but he knows nothing about this. She said please reground and he said he would fax the original paperwork and the rep said this was highly unusual to happen, but they reopened my closed account and put me as the last owner because it was ungrounded. And this is why I have the negative report on my credit. Once the car is grounded again, they can fix the negative credit report. She said give us 2 days and call us back. I gave them 1 week and called back on XX/XX/XXXX and in the system they are still waiting on a manual grounding and after I talked to a supervisor, they said I had to go get a " NO FAULT LETTER '' from the dealership to fix my credit score. I stated to the supervisor XXXX, that now this is a cat and mouse game, and you have it all in your notes, that I did my part as a customer and I was in the middle of trying to get a lower interest rate on my new vehicle that I purchased out of state and they don't know how long this will take to get corrected. I have threatened to go to social media and other things, but I was suggested to go through this route, because I can hopefully get this resolved quicker than a 30 day time period.
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

I have made numerous attempts to resolve this issue. I have sent numerous faxes and letters in regards to this debt. I was served to state this is a debt owed yet when I contacted the owner of said debt no response. When I requested proof of said debt no response. I have left numerous messages. I have contacted the attorney of record, debt collection agency, and the original owner of said debt to no avail.
Consumer complaint received 2018-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sessoms & Rogers, P.A. (NC)

I am totally and permanently XXXX and have not been able to pay off XXXX XXXX XXXX and XXXX XXXX XXXX credit card. I was XXXX XX/XX/XXXX. I was taking money out of my IRA retirement fund to pay my mortgage and credit cards. I went to credit counseling in XXXX, NC and was given advice about the letter I should write to the debt collectors. In my letter I explained that I was unable to pay because I had become totally & permanently XXXX and on Social Security XXXX. I tried to work with them after being harassed. I was not even given the opportunity to work with them on the balances. 
Next I was subpoenaed to court. They knew I was on XXXX because I also sent my Social Security XXXX Beneficial letter which showed my monthly income. Legal Aide helped with the exemption letters. Of course late fees & interest has almost doubled the balance due. I have to pay the full balance on XXXX XXXX XXXX {$6200.00} ( which is my mortgage co ) and XXXX XXXX XXXX {$4600.00}. 
I have been able to stay in my home through Short Sale and not foreclosure. Now my home has sold through Short Sale and closing was suppose to be XX/XX/XXXX. We couldn't have a closing because both banks put a lien on my home just 2 days earlier. I had to move out of my home before closing. All of my belongings such as furniture, clothes & toiletries are in storage in a different city. I can not get an apartment through HUD or Housing Authority because I have a mortgage still. The buyers were told today where we stand on closing so they've pulled out. I am living out of my car with my dog. I will also be paying more since I have an HOA of {$180.00} and {$90.00} for a storage unit and medical bills and food etc.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am reporting a fraudulent inquiries found in my credit report Expeian 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 2022-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

1. I bought a new home and house warming ceremony is scheduled for Thursday XX/XX/2022. Friends and guests are coming. 
2. I needed some furniture before the even so I went to Ashley Furniture store in XXXX, CA on XXXX. I selected my furniture ( worth about ~ {$9000.00} ). I was informed by the salesman @ Ashley that I can benefit from 60 months installment payments by using financing from Synchrony bank if I apply for their credit 3. This suited me and I decided to apply for the financing right then and there. After filling in information about my wife and me in the joint application form, I was given an account number immediately over a phone call. 
4. For some other reason ( Ashley store related ), the purchase wasn't completed on XXXX. Hence they suggested to come again today on XXXX. I left my work and went there again to complete the transaction.

5. However, this time the bank didn't clear the transaction, asking me for more documents ( ID proof, and home address proof ).

6. This totally defeated the purpose as I can not get the furniture on time anymore. I applied for the financing knowing that it would affect my wife 's and my credit score only to get the furniture on time, but now since the bank opened my credit account they are not clearing my purchase.

7. I don't need this credit line at all except for the purpose of buying furniture on XXXX or XXXX. But now the bank is not clearing my purchase hence I feel like a stupid, whose credit score is impacted without any reason.

This is very stressful to me and my wife now and we are very unhappy with the bank 's business practice, where they opened our account immediately ( impacting credit score ), but they are blocking the transaction to go through.

Also, I spent stressful 20 mins on Synchrony 's Customer Service line, but instead of helping me logically, they just read a script and say they can not revert the credit score check if I don't need the financing ( as I can not buy the furniture ). They say it is impossible.

If they can not solve a customer 's problem then they should have a way to reverse the credit score check also.

I am stressed about it and very very frustrated with the bank 's system and looking for a right solution here.
Consumer complaint received 2019-08-20
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)

XXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESSXX/XX/XXXX, FL XX/XX/XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XX/XX/XXXXUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XX/XX/XXXXXXXX XXXX XXXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

My Wells Fargo Auto Loan was reported late payment on my credit report for the months of XXXX and XX/XX/2020, Which is a mistake. because of that my family life is about to fall apart, I am in the process of buying the house because of that we got stuck, i keep calling to Wells Fargo at least to email me the letter as the account wasn't late they keep promising to email me but nothing happened over two weeks. it's very unfortunate now I am suspecting because of my accent as an immigrant they thought I can't do anything or I don't know. 
Please help me and my family before things get worse, i already give notice to my apartment and get stuck. if you want to get the proof i can email you all the mortgage documents. 
Thank you and Looking forward to see you Help! 
XXXX XXXX Wells Fargo Auto Account # XXXX
Consumer complaint received 2022-04-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (NJ)

I received financing from my local Credit Union to payoff for a XXXX XXXX XXXX with Chase. The check was sent on XX/XX/XXXX to Chase. Chase said they never received the check and said payment was due despite the fact that the lease was paid off in full. I ended up making an additional payment of {$640.00} to help protect my credit scorXXXX, as advised by Chase. The first Payoff check was voided, considered lost and a new one was sent on XX/XX/XXXX. The check arrived at the payoff address for Chase in Texas on XX/XX/XXXX. As of XX/XX/XXXX, Chase says I owe {$320.00} and has a note about receiving a duplicate check for the XXXX XXXX on XX/XX/XXXX. The representative from Chase said it takes about XXXX business days to process payments. It is passed that- about XXXX business days. When I look at the account on Chase 's website, no record of the {$640.00} received is seen on a XXXX Statement but a payment was processed. I spoke with a Chase representative on XX/XX/XXXX and opened an inquiry. I asked to have the account frozen considering the circumstances and they said it is not an option. Now it looks like I have an outstanding balance which is not true.
Consumer complaint received 2022-04-28
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. (GA)

To Whom It May Concern I am challenging the incorrect information with XXXX where all 3 Bureaus Experian, XXXX, and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly. 
I contacted all 3 bureaus Experian, XXXX, and XXXX as well as XXXX. Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted immediately.
Consumer complaint received 2021-12-07
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX {$73.00} CERTIFIED CREDIT REP Inquired on XX/XX/2021 2021
Consumer complaint received 2021-07-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : Unverified account
Consumer complaint received 2021-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (NY)

I opened a Beyond Checking TD account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my TD checking account and {$20000.00} into my TD savings account from my current bank, XXXX. It left my XXXX account on XX/XX/2021. I received the funds in my TD account on XX/XX/2021 and was able to see it in my TD mobile banking app. On the same day XXXX received it, that night I received an email that my TD account is locked and to visit a branch. I visited a TD branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my TD checking account, but my {$20000.00} was gone from my TD savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the TD branch and they told me that TD reversed the {$20000.00} deposit and it should be back in my XXXX in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my XXXX account. I went back to TD bank on XX/XX/2021. TD said they didnt have the funds because it was sent back. They had me call XXXX and XXXX said they hadnt received any funds from TD. Then TD said they would have to call XXXX, which they explained to me as the middle man between the two banks. I came back later that day to the same TD branch and was told that someone at XXXX was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the TD branch on XX/XX/2021 and they had me file a claim with XXXX bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.
Consumer complaint received 2021-05-26
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. (OH)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC. (WA)

No matter what I do I am unable to contact CIT Bank, a division Of First Citizens at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have been locked out of my account and no matter how long I wait, no one will answer the phone at XXXX They are holding my money against my will
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I made two payments to each of my accounts. Capital one debited my bank account four times. Only two payments were credited to my credit card. I made two more payments on XX/XX/XXXX and none of those payments were credited to my capital one account. Capital one claims to have refunded one of my payments on XX/XX/XXXX. My bank statement shows no refund, only withdraws from capital one without posting these credits to my credit card account. I have provided evidence and proof on four separate occasions through verbal banking confirmation via representatives and physical statements to their fax which they have confirmed receipt of transmission. Capital one has not provided any refunds or credits to my account. Instead they added manual payment adjustments of over $XXXX along with late fees for "non payment" as well as interest. I have NEVER been late and 3 out of 4 representatives were very rude and unhelpful
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to XXXX that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that XXXX took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This portfolio XXXX, account no. # XXXX was opened in XXXX and it was closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I disputed this account again in XXXX with XXXX, XXXX, and XXXX  and still received no results. They keep passing this account on leaving it open.
Consumer complaint received 2023-03-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I have checked my status of an earlier complaint. Wells fargo states they have been unable to contact me regarding complaint number XXXX. I am currently talking with wells Fargo to yet again try to modify. Yet, now it's been so long since 2019 when I first tried to modify. I have been buried by financially by unlawful charges, and a high interest rate now. If you look at their response to the complaint number. They say they are unable to contact me. Funny when I'm currently talk with their mortgage assistance officer weekly. I want thier lies noted. 
XXXX XXXX