davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (LA)

I chatted with a rep from GM who is the lien holder of my car. I asked if they could tell me if the car had any repairs done to it by the dealership ( XXXX XXXX LA. ) before I purchased it on XXXX/XXXX/15. I was told that she could not give me that info.I have a right to that info. I purchased this car with transmission issues and other issues that was not diclosed to me at the time of purchase.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (TN)

Our loan was sold from XXXX home finance to Fay Servicing in the middle of our modification process XXXX 2016. We were told in writing by XXXX fay servicing continue the modification process. They did not. They almost immediately foreclosed and sent no notice of foreclosure sale as required by law. They were notified nobservice of foreclosure sale had been given. 
But they continued with the sale on XXXX/XXXX/16. Under the national mortgage settlement agreement a mortgage transfered or sold to a new servicer/lender from XXXX of the Big XXXX banks must still be considered for a modification if the process has already been started. 
Fay Servicing has violated this and Tennessee state law for no notice of foreclosure. 
We need help keeping our home.
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (MD)

I am a Rush card customer and on XXXX XXXX, 2015 My rush card was wiped clean of {$3000.00} since then I have contacted rush card representatives and XXXX XXXX and they can not tell me where my money has went, or when am going to get it back.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WATERMARK CAPITAL, INC. (MD)

We finished signing all the final loan documents for refinancing and believed everything was done. We were told a few days later that they made a mistake with some of the disclosures that needed to be signed because the law changed 2 months prior, so we were told we needed to resign. Then were told that because of their mistake we would need a rate extension and they would not honor our lenders credit ( {$980.00} ). This company has been such a pain to deal with. They wait to the last minute to close, it was very hard to get a hold of our lending agent and never kept us informed. Watermark Capital should n't be a licensed mortgage company if they do n't know how to comply with laws and honor their good faith estimate. We should n't have to pay for their mistake.
Consumer complaint received 2023-04-05
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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. (MN)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; Medical XXXX Balance : {$96.00} ; Medical XXXX Balance : {$110.00} ; Medical XXXX Balance : {$10.00} ; Medical XXXX Balance : {$75.00} ; Medical XXXX Balance : {$21.00} ; Medical XXXX Balance : {$80.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$31.00} ; Medical XXXX Balance : {$310.00} ; Medical XXXX Balance : {$28.00} ; Medical XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I applied for SBA loan and they deposited money to my account but chase bank closed my account and hold the loan money and my personal money about 2.5 months, the SBA company told me this money is right and nothing is wrong and chase bank have to open your account but the chase bank told me you have to give us EIN number but I explained to them I don't have EIN number because I am a XXXX XXXX ( XXXX, XXXX ) and sole proprietor, chase bank wanted me to send all my documents such a tax papers, CPA later from lower, SBA approval documents and I did, anyway they don't accept to open my account. 

MY APPLICATION NUMBER ( SBA ) ( XXXX ) : XXXX MY APPLICATION NUMBER ( SBA ) ( XXXX  ) : XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I recently became aware that unauthorized fraudulent accounts, addresses and inquiries have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Consumer complaint received 2023-04-05
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. (MN)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} ; Medical XXXX Balance : {$96.00} ; Medical XXXX Balance : {$110.00} ; Medical XXXX Balance : {$10.00} ; Medical XXXX Balance : {$75.00} ; Medical XXXX Balance : {$21.00} ; Medical XXXX Balance : {$80.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$31.00} ; Medical XXXX Balance : {$310.00} ; Medical XXXX Balance : {$28.00} ; Medical XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I have an {$800.00} account in collections on my credit report that I have not made. I have tried to contact the previous collections company but the number was not good and I could never speak to anyone. The current company spoke to me and told me the debt is from an emergency room visit for vomiting for 2017. I do not remember this visit, and I had insurance at that time so I should have no bill. This debt is not mine.
Consumer complaint received 2016-05-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have XXXX recent issues with TD Bank regarding XXXX different accounts. Both complaints have to do with excessive charging of fees. The first is TD Bank assessed charges against an estate account which dipped below {$100.00} as I was in the process of closing the estate and account. The fees they charged caused the account to go into the negative. that is the only thing that caused the account to go negative. I fought that and got most ( but not all ) of the charges reversed. The 2nd item involved TD Bank clearing unauthorized charges against a business account which put the account into the negative and then charging fees for being overdrawn which made the negative balance larger. I was unsuccessful in fighting TD on reversing these charges and had to deposit {$65.00} to bring the balance to XXXX. At this point I closed the account to stop the madness. When I again tried to get charges reversed I was told they could n't do anything about a closed account. All of this is deceptive and designed to extract fees from consumers.
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (MI)

My identity was stolen and I reported it to Equifax at the end of XXXX. The other reporting agencies were notified. I have received at least XXXX unwanted offers for credit cards since then. Why has n't this stopped??? It is more than 4 weeks later.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I reviewed my consumer reports and noticed that I had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Hello I have filed a police report for this debt because it was identity theft. They refuse to remove it from my credit. I have sent them debt verification letters and they refuse to send me verification despite sending it via certified mail with proof they received letter.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The compliant number is XXXX that I have not had a responce on. 
This is not a duplicate, I 'm asking for TransUnion to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. I would like the late payments removed from the account, not remove the account as they mite seem to think I 'm asking. They have not respond to the first complaint submitted yet. I 'm sending this so I can spell it out as clearly as I can. I want late payments removed from account..
Consumer complaint received 2017-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX   and   XXXX   will not delete this debt off my credit report that was  discharged by bankruptcy. I have written them to tell them the accounts that they reporting have been discharged thro ugh bankruptcy court. Even though it does n't have an amount, they report them with negativity remarks.    XXXX  also keep reporting a collection from a debt collector that I have no contract with. They send me my credit card statement saying they verified it was my debt. I have n't signed a contract with a debt collector/collection. Its states in my credit report that the original debtor sold it to this collections company
Consumer complaint received 2017-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In the last 6 months I have had to dispute information on my credit report 3 times with Trans Union. As of today they are not reporting my payment history within in the last 30 days and they dropped my score XXXX points with no apparent reason and did not address it in my latest dispute. This is negligence on their part that has a negative impact on my credit report and ability to obtain credit. Seeking a recommendation for a financial remedy.
Consumer complaint received 2020-10-19
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. (NC)

I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IN)

Describe what happened so we can understand the issue ... 
A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section XXXX as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days time frame ( was not notified AT ALL ) which is a violation of section XXXX and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section XXXX, whereas XXXX states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? XXXX also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 
I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.
Consumer complaint received 2023-04-05
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed : 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 2016-09-24
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

On XXXX/XXXX/2016, I loaded {$500.00} to my paypal account at XXXX using Paypal at the register ecash. I paid a XXXX processing fee, so my total payment was {$500.00} which I paid with cash. I have my XXXX receipt, which I also forwarded to Paypal for their investigation. 
The load never posted to my paypal account. Paypal has said that there was a known " bug '' during that day that prevented loads from posting. They said that my case is not unique and this issue affected a number of people. I have called paypal 10+ times following up on my issue. They said that they are working to fix the bug, but nothing has been resolved in 1 month. Two tickets XXXX XXXX & XXXX ) have been opened with paypal for the issue. I repeatedly am told that my issue will be resolved within 48 hours and I will be contacted, but I never am contacted. I have spent more than 5+ hours on the phone with paypal. I would like a refund of my {$500.00} + {$3.00} processing fee for a total refund of {$500.00}. I do n't care if they close my account, I am done using Paypal 's poor service.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (CA)

XXXX XXXX makes it impossible to close account. I tried calling, E-mail long them, sent a letter to XXXX, went to local club, and tried in website but no resolution. I thought account was closed and but they started sending me bills for services I no longer use. Then they for a collection agency Aldous and Associates to harras me constatntly. I did not take calls, I dont accept numbers I dont recognize. I never got a formal letter stating I owed their bogus charges. I need them to take claim out of my credit report.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

PNC Business Account for XXXX XXXX was closed when final balance was removed years ago. No activity on that account for at least 4 years. Im now getting a XXXX card with XXXX limit on that account in the mail. Explain to me how that is? Account closed., no activity, no balance, business closed. Seems to me like these guys are padding their accounts much like XXXX XXXX once did. They were given a chance to remedy the situation online and by calling me within a given time free and did not. I do not want or need this account to be open or a potential liability to me as the gurantour.
Consumer complaint received 2016-09-26
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC (OH)

Direct Recovery Services contacted my fiance 's brother about a debt I owed from 2 years ago. They mentioned that if I did not contact them it would lead to being served papers to go to court and that I only had 24-48 hours to contact them. When I contacted them I asked for proof of the debt belonging to me and I was hung up on. I was also promised that once the debt had been paid I would receive an email confirming the debt paid and closed, I still have not received my email.
Consumer complaint received 2020-10-09
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: Experian Information Solutions Inc. (FL)

I filed a CFPB Complaint # XXXX and Experian responded with " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. '' How can I prove that the complaint was sent directly by me and authorized by me? My EXPERIAN Report Number is XXXX.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On or about XX/XX/XXXX my XXXX credit card ending in XXXX went past due. On XX/XX/XXXX my account was charged off. This account is still reporting and should have been removed based on the fact it has been more than 7 years since the date it first went past due. 

I have attached statements for the account proving the status of the account XX/XX/XXXX
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

I am a XXXX veteran. I request that a federal or state financial regulater conduct a thorough examination into my loan under ocwen, as well as when my loan was with litton. There are deficiencies in loss mitigation and loan modification process.charging unathorized fees for default related sevices.Deficiencies in how my loan was underwritten and serviced.Providing false or misleading reasons for denial of loan modification under hamp.Misdated letters and correspondence thats not clear understanding causing loan to default. XXXX 2012 modification qualified under hamp and should have been permanent, not " XXXX '' this practice of bait and switch is not helping home owner and is not removing the toxisty out of this toxic mortgage.This practice of denying me an affordable modification is contrary to the spirit of the Making Homes Affordable Act, and in non-compliance of the National Mortgage Settlement Rule.