davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (GA)

I continue to receive collections for a debt I do not owe. I have had over 20 conversations with XXXX XXXX XXXX in regards to a XXXX account that I so now owe a balance. At the end of every call, XXXX XXXX XXXX agrees that I owe nothing. I still am receiving collections from them. 

The person at XXXX said they made a mistake and will withdraw the collections. They then sent me a refund for the account. They credit the account which caused the refund. 

I have been dealing with this for six months. On average I spend 3-5 hours on with them discussing this issue. I have done that over 20 times thus far
Consumer complaint received 2021-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (TX)

In XXXX of XXXX I started the process with Sunwest Mortgage Company for a refinancing. I submitted all forms requested on time by XX/XX/XXXX. They confirmed all was submitted. From that time to yesterday they continued to ask for additional information. Yesterday they requested a new survey of my home. The agent stated I was close to closing but would never give a date. I have a very high credit rating, equity in my home and long standing high paying job. I believe they never intended to give me a mortgage.
Consumer complaint received 2020-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I used PayPal Friends and Family to pay an " XXXX XXXX '' {$250.00} which cames to {$260.00} after fees, who coincidentally has the email " XXXX " As soon as I sent her the money via PayPal I have not received the goods I paid for and she has not returned any of my messages back. I have screenshots of our conversations as proof of purchase and proof of her not resonding anymore.
Consumer complaint received 2019-06-01
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. (NY)

I went to XXXX XXXX to lease my first vehicle. I was promised and assured if I were to sign the lease that they would ensure my monthly payments be cut in half in after my first year. In addition to that promise they added on products to my lease that were allegedly free after my verbal refusal of not wanting to pay for optional add-ons. This dealership broke the law. They are in direct violation with the TRUTH IN LENDING CONSUMER LEASING ACT. This bill is designed to protect my rights and the rights of others who do not know how leasing works! I tried to talk with the dealer and other XXXX dealers. Any reasonable person would not have agreed to such terms if not for the unkept promises. When I reached out a year to the date to have my payments cut as promised via text message, it was told to me if that is what was promise then it can be done. So I went In person and was told something completely different. They lied to get me to take that car which is illegal. 
To add insult, I told them I dont want the car and I drove to leave it at the dealership because I felt uncomfortable with the deceit. The dealership refused to take the car and forced me to call to have a tow pick it up which now they are trying to charge me XXXX dollars for. 
In addition, I had a remaining loan balance of XXXX. They falsely reported a balance of XXXX on all my credit reports prior to selling the vehicle and the vehicle isnt even market valued that high. The contract states Im responsible for the remaining monthly payments plus a termination fee. THE VEHICLE STILL HAS NOT BEEN SOLD. I called on a recorded line and read the contract to the individuals on the phone and they said they would remove it from the credit report because it was not suppose to be there and a notation would also be put on the account. It is still being falsely reported. There are numerous transgressions on their part and I demand justice. They broke the law, they tricked me and now they are also scamming me. All their actions thus far have been illegal and it is my right to be protected and have my credit protected.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

ON XXXX XXXX I notice two hard Inquiries that show up on my account. I reach out to XXXX and XXXX XXXX and they have no recollection of me applying or have an account with them. Which means the Information is inaccurate and needs to be removed. They told me to reach out to you Equifax so you can remove the hard inquiry
Consumer complaint received 2020-08-21
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: SYNCHRONY FINANCIAL (TN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (TN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (GA)

EdFinancial Services are failing to provide any confirmation of the refund process and are not providing a timeline of the process. 
Other services are providing direct communications with confirmations and having the loans refund process finish within 72 hours and have the loan balance reflect the correct amount in their account. 
EdFinancial can not provide the similar service and are not providing adequate reasons on why they can't provide it.
Consumer complaint received 2020-08-21
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: STERLING JEWELERS, INC. (TN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-20
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX and I have been a victim of identity theft since 2012. I took it upon myself to turn in all documents related to my identity theft to send to the three major credit bureaus to prove a solid case against items continually showing on my credit reports. This process goes as far back as XX/XX/XXXX. Since then Equifax has completely mixed my file with other individuals resulting in over 36 negative accounts being added to my report and causing a very depressing drop in my credit. Each week Equifax would report a new item being removed but it would still remain, this makes my score down even more. I've sent documents certified mail, I've called and Emailed and now, reports that have been removed just keep reporting. Something needs to be done immediately as this is sending me to suicidal thoughts. If an item has been removed and proof was giving, how can they keep reporting inaccurate information? That is illegal and I am ready to file a complaint and sue. I have been XXXX due to not being approved for housing because of negative items that have been proven aren't mine but continue to be reported. I am not at all ok. XXXX  and XXXX  are doing the same exact thing. Removing accounts and stating they are blocked but reporting them every month even when it's proof they have been removed but put back on. This is illegal and I want to sue them all.
Consumer complaint received 2022-09-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2020 I authorized Chase Bank to run a one time credit report for a mortgage loan. XXXX XXXX XXXX is the Home Loan Advisor for Chase Bank and who assisted me with my application. 

On XXXX XXXX XXXX XXXX XXXX ran my credit report without my consent or knowledge of a pull. I wasnt notified or advised of an attempt to run a credit report. 

On XXXX XXXX My credit report on XXXX XXXX notified me that I had another hard inquiry on my Report from XXXX XXXX/JPMCB XXXX  XXXX. This was the same company who pulled my initial report on XX/XX/XXXX. 

In the first week of XX/XX/XXXX XXXX, XXXX I contacted XXXX XXXX XXXX via-email and by phone about a credit report that was run from Chase Bank twice. XXXX XXXX XXXX notified me that he initially ran the report again because a neglect error on his end. 

In XX/XX/2020 I contacted Chase Bank to file a compliant against the advisor for lack of professionalism and requested for a different advisor. In addition, a compliant to file the second hard pull of a report that was ran without my consent on XXXX XXXX. 

In XXXX XXXX, I have been In contact with Chase Bank to dispute my credit reports
Consumer complaint received 2020-10-14
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)

My car got was in an accident and was destroyed. Ally sent me a bill with a date of XX/XX/2020 ). I paid online through my bank on XX/XX/2020. Prior to receiving my payment, and not even a month after sending the bill they put it as a " charge off ''. They sent a notice saying I was paid in full but did not retract the charge off and it has destroyed my credit. I tried fixing this with Transunion and XXXX  and am getting nowhere. Please see attached documents.
Consumer complaint received 2020-08-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (WI)

This complaint is related to GM Financial XXXX, address XXXX XXXX XXXX XXXX TX, XXXX. GM Financial is overcharging and passing on unfair charges to its consumers. 

This unfair charge is called the " Disposition fee. '' After collecting the payoff amount in full, taking the lease vehicle back, charging for excess wear and use charge, GM still charges the consumer a " disposition fee '' so they can prepare and sell the vehicle. After the consumer returns the vehicle to its owner, the owner is charging the consumer to sell the vehicle via an auction. In other words, the consumer is responsible for a fee, so the owner does not have to absorb the cost.

Even after purchasing and leasing the third GM vehicle, this has not come up before, because " The Deposition Fee '' was waived for purchasing or leasing another GM vehicle. However, the " Disposition Fee '' is not waived if the consumer does not purchase or lease another vehicle from the same company. In other words, the consumer is penalized for not purchasing or leasing another GM vehicle for any reason, i.e. the consumer does not want to purchase or lease another vehicle, the consumer can not afford to purchase or lease another vehicle, etc.

Finally, even after executing three purchasing transactions with GMC, we have not been aware of the " Disposition Fee ' because it has not been explained or pointed out appropriately in each lease agreement. It has not explained either the " Disposition Fee '' is a kind of fee that is subject to additional taxes which resulted in an additional {$40.00} charge. 

Thank you
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I received an email stating I could go in a local branch to withdraw funds owe to me! When I went earlier they stated they didnt have no information on that. I showed them the email and they still couldnt help me
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
This has cause me great anxiety, stress, and financial hardship.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I purchased XXXX XXXX running shoes on XX/XX/2020 for an ultramarathon race. Testing shoes requires running many miles in them to see if your feet adjust to it. After trying the shoes on several outdoor trails, I developed pain after running 15mi in them, so I tried taking back to the running store, but they can not take it back because they've been worn. 

So I attempted to use Return Protection Benefit on my Chase Sapphire Reserve card. My claim was denied because they said this benefit was not on my account at the time of purchase ( XX/XX/2020 ). 

I dispute this because I've had this card for a while and I have not received any notice saying that this benefit was going away. 

I paid {$100.00} plus tax for these shoes, and I wish to use the Return Protection Benefit.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

I made a compliant to the CFPB about AMEX ( XXXX-XXXX  ) and they closed the complaint by saying a refund had been issued. This is incorrect, no money has been refunded to date and they have intentional lied to the CFPB to close the complaint
Consumer complaint received 2020-11-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The unverified items remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX   They gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (MN)

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

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 that 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 ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UMB FINANCIAL CORPORATION (CO)

Found out about this on my credit report. Mailed a check to the address on the credit with a letter I was unaware of the debt but would pay only if they removed. They cashed the check then sent a letter refusing to remove the debt from credit. I dont even know what this is for! I dont have a letter or statement from them.
Consumer complaint received 2021-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (UNITED STATES MINOR OUTLYING ISLANDS)

I have a statement dated XX/XX/2021 from Carrington Mortgage Company of notice of intent to foreclose. As of XXXX I have, under the Cares Act FHA loan Covid Forebearance as stated under the moratorium until XX/XX/XXXX. Why did I receive this notice. This is a form of intimidation..