davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (IN)

The car, a XXXX XXXX XXXX, was purchased in XXXX for approximately {$18000.00} with a 6-yr term. The final payment was due to be made in XX/XX/XXXX. They offered a two-month deferment at some point during that period which was accepted. The understanding was that the final payment would now then be due XX/XX/XXXX. With all of the interest and fees, an {$18000.00} car ended up costing in excess of {$36000.00}. 

On the GM Financial app, there was a countdown to the number of payments that were to be completed for the 72 months. In XXXX it stated there was only one payment left ... I later found out that there was an additional {$6000.00} owed on the vehicle. This seemed impossible provided that I had been paying on the car for 6 years. Upon calling the company, they tried to tell me that the extra {$6000.00} was a result of interest that accrued with the deferment and also late payments along the way. While it is true that I ran into financial difficulties and had a run of late payments, I paid those late payment fees and now I feel like I am being double charged for it. 

The car, in fair condition, its only worth about {$1200.00}. It makes no sense to pay GM Financial another {$6000.00} on a car that was only purchased for {$18000.00} when they received {$36000.00} for it. I offered to settle with them for the value of the car. They are not willing to accept that. I should not have to pay them anything else!! I am to the point of asking them to just do a voluntary repossession, because theres no justification for paying them any more money for this car that is falling apart! I agreed to continue paying on it in fear that they would come and repossess it if I did not make an agreement. But, I have no intentions of continually making payments for the next year as it DOESN'T MAKE FINANCIAL SENSE!
Consumer complaint received 2018-05-13
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (WA)

I have two unused XXXX XXXX gift cards which show XXXX balance bought from paypal_digital_gifts on XX/XX/2017, could you help me check this case? I suspect my gift cards ' information was leaked by paypal. 


Dates : XX/XX/2017 amounts : two {$150.00} XXXX XXXX Gift Card Actions : I contacted with paypal digital service and XXXX XXXX digital channel support, got the reply about " Unfortunately we are unable to assist with inquiries of this nature as we do not have access to end user information. ''
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I was charged associated fees by my rental company due to Chase not clearing my check. The check I wrote on XX/XX/XXXX was good at the time as there wasn't any suspicious activity in my checking account. When the rental company tried to clear the check on XX/XX/XXXX ( I reported wiring fraud on my checking account in between XX/XX/XXXX - XX/XX/XXXX ) it didn't go through as the account was already frozen. I read the rental agreement and it states that checks that is returned for ANY reason ( doesn't account for criminal activity ) the renter is responsible for it. I have brought this up to Chase and they said they can only rescind fees that they charge against me. Chase hasn't been able to secure my account ( there are still multiple open wiring fraud investigation in my account and I can't clear my own money because of it ) and still thinks that I am the one who is responsible for this fee.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-04
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. (NC)

I have contacted XXXX XXXX several times about this account reporting on my transunion credit report and neither time could they find an account with my name but it 's still an account listed on my credit report.
Consumer complaint received 2017-08-04
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. (WI)

On XX/XX/2017, i, sent out dispute letters certified mail to XXXX, XXXX and Equifax with return receipt with time, dates and signature received .On XX/XX/2017 XXXX and XXXX received dispute letters, Equifax received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX/XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the 3 credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus,states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

The criminal enterprise, Wells Fargo Bank, is at it again. After a long series of violations and penalties paid by the bank, they have another strategy to steal from their customers. Wells Fargo makes it difficult for clients to list a beneficiary for their accounts, requiring the customer to come in person to a branch to make such designations. This disproportionately affects XXXXXXXX XXXX XXXXXXXX people who may not have any branches in majority minority neighborhoods. That leaves these accounts vulnerable to excessive and ongoing fees after the death of the account holder. By making it as difficult as possible for account holders to list a beneficiary, Wells Fargo assures that accounts, subject to monthly maintenance fees in the case of the XXXXXXXX XXXX XXXXXXXX customers who on average have lower average account balances, will be drained by these fees to the fullest extent possible. Further the families of the deceased customers are denied access to these funds at a time where they may need these funds the most, such as to pay for funeral expenses or other immediate needs.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

Date : XX/XX/2023, amount of the debt : {$240.00}. The collection company : CREDIT COLLECTION SERVICES. File number : XXXX XXXX. PIN : XXXX. 
CCS PAYMENT CENTER, XXXX XXXX XXXX, XXXX XXXX  XXXX According to Credit Collection services, I owe XXXX XXXX XXXX {$240.00} for property insurance. I have not purchased or rented any properties. I have also never contacted or signed any property insurance contracts/declarations with XXXX XXXX XXXX XXXX I do not rent or own any properties. Why would I need property insurance? I have called Credit Collection Services for many times and explained that it is a false collection. I also wrote a dispute letter and disputed the collection but they still keep sending me the collection letter that requires me to pay {$240.00}. 

Please ask they to verify the correct information, delete the false collection and stop contacting me. Thank you. 

XXXX XXXX
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (NY)

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

chase opened XX/XX/XXXX closed XX/XX/XXXX chase   opened XX/XX/XXXX opened XX/XX/XXXX ( authorized user )
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (GA)

In XXXX of this year 2018, XXXX XXXX, on XXXX XXXX XXXX said that Citi Bank credit card had been charging the consumers too much interest for the last 2 years and that the customer were going to get a refund check in XXXX of 2018. I called my Citi bank credit card on XX/XX/XXXX and spoke to a XXXX XXXX and she told me that she didn't know when and if I was going to get a refund. I know that XXXX XXXX would not make this claim on XXXX XXXX XXXX if this wasn't true. I want my refund. Thank you.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have a total of 8 paid/closed loans with XXXX. I also have a consolidated loan with XXXX ( used to consolidate the 8 loans ) 4 subsidized and 4 unsubsidized. My open loans are not the issue. The problem I am having is correcting my paid loans. Each one of the 8 loans are reported twice on my credit reports. Instead of having 8 paid XXXX  loans listed on my report I have 8 paid loans and 8 loans ( all XXXX  ) with the identical stats as the other 8 loans but these loans are listed as " unknown '' for the status. The other difference between the two lists of loans is the payment history. The " unknown loans have late payments reported up until XXXX and then the history stops. The paid loans picks up with a payment history reporting in XXXX until the XXXX when it was closed. There is a comment saying that the loan was transferred to another office but the only loan servicer is XXXX. Because these loans are listed multiple times on my Experian credit report it says that I have 20 accounts with negative indicators. Also, XXXX has not been able to provide me verification of the late payments they have listed on my report under the " unknown '' accts. I have requested verification and validation of all of this information multiple times from XXXX and Experian and no one has been able to provide me answers. I am attaching the my loan history for the ALL the loans that I have with XXXX. It clearly shows the correct number of loans unlike what is reported on my credit report. The attach documents also shows the transaction history of ALL my loans and it omits payment information before XXXX. There is no late payment information from the time the loans were opened until XXXX yet there are reports of late payments on my credit report before the payments listed in my account history.
Consumer complaint received 2020-06-28
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. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX XX/XX/2018 Experian on page 19 of 20 under Former or Current Employers have information missing to my Employers I have sent XXXX and contact I formation as well as Check stubs to Experian and it has been month after month and no corrections made correctly on old reports it had my Employers as I'm stating them once again. This makes no sense on credit reports adding false information removing correct this been going on now for 7 months with personal information on Experian Experian does not put information on Employers correct and delete current ones as past ones as I have over 11 reports all with information right and the 2 months later current Employers been deleted by Experian or the wrong occupation this needs to stop and corrected as Experian does not update current information correctly or spell the names of Employers correctly as I have had on previous reports with wrong names.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report these are the inquiries : XXXXXXXX XXXX - XXXXXXXX XXXX - XXXX, XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Consumer complaint received 2018-04-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NJ)

I have come to find out they charge an illegal interest rate of 780 %. I have paid back beyond the principal and still continue to make payments that only satisfy an outrageous interest rate and other fees. I am struggling to make ends meet because of payday loans such as this one.
Consumer complaint received 2018-04-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

In XX/XX/XXXX I lost my job and went through a loan modification with JP Chase. During that period my payments were lowered to make affordable. From XX/XX/XXXX = XX/XX/XXXX, I only worked XXXX position until I became permanent at XXXX XXXX in XX/XX/XXXX. At that time, I contacted Chase to see what I needed to do to get back on track. I was put on another modification, b which started in XX/XX/XXXX, whereas I paid an addition {$340.00} on top of my {$860.00} mortgage payment totaling {$1200.00}. 

Since becoming gainfully employed, I have made every payment on time. About 4 weeks ago, I tried to refinance with another company in order to get cash back for home improvements. At that time, I discovered I had a {$43000.00} ) subordinate mortgage. 

Over the past week, XXXX XXXX XXXX and myself I have attempting to get clarity from Chase and have gotten nowhere. I have been placed on hold, transferred several times, hung up on, been back and forth with different representatives for over one hour and still they can not explain to me what they did. In fact, they have asked me what they did, my reply, is, Im not quite sure, you did the transaction, so Im hoping you can explain it to me. 
Below is a table of balances : Principal Unpaid Principal XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX As you can see, something is not adding up. 

Any assistance would be appreciated.
Consumer complaint received 2018-07-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CBV Collection Services Ltd. (PA)

While talking with XXXX XXXX at XXXX XXXX XXXX about the debt in question I disputed the validity of the debt. After getting him to send me an email of what was owed and to whom I informed him that I did not know this was on my credit report and I would be disputing the entire debg. It was at that time I was called various names and profanities. This seemed completely unaceptable for anyone, especialy someone talking with people all day. After XXXX   the company and person I found that this is something this person does to alot of people. I received another message saying that the conversation was recorded and hope that can be used to stop this for anyone else.
Consumer complaint received 2021-03-04
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)

Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXXS OF ALXXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX  - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities XXXX XXXX Inquiry : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Home Improvement ( XXXX ) XXXX AN XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New XXXX BANK Inquiry : XXXX XXXX, XXXX National Credit Card Cos . 
XXXX Inquiry : XXXX XXXX, XXXX Telephone Companies XXXX XXXX XXXX, XXXX. 
Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX XXXXXXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Services, Not Elsewhere XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Loans XXXX. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities Contact the inquirer : MAIL ONLY
Consumer complaint received 2018-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Business and Consumer Solutions. (CO)

I have told this collector identified as XXXX or XXXX. The number appears as local to Colorado. I spent 45 minutes updating my address. Asking for a settlement offer for 10 year old medical bill. This bill has already been written off per my credit report. Each rep that calls gives my old address. Five years old. They never have sent the settlement in writing as requested. Probably due to the wrong address. I now have a new medical diagnosis. Daily treatment is required. I do not want to be contact by these people any longer.