davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (WI)

XX/XX/XXXX - Set up auto payment for my new car lease with GM Financial. 
XX/XX/XXXX - Called GM Financial 's customer service since the auto payment did not go through and I had a late change. Paid the late change and had the fee waived. GM Financial 's customer service representative walked me through setting up auto payment online and provided the wrong amount ( - {$10.00} less than my actual payment ) since we was looking at the total amount with the " fee waived '' applied. 
XX/XX/XXXX- XX/XX/XXXX- GM Financial 's auto payment was pulling monthly payments from my account for - {$10.00} less than what was owed. With fee 's it looked like my typical amount, I did NOT receive any form of communication that this was inaccurate or that the full amount was not being paid. 
XX/XX/XXXX - GM Financial 's auto payment automatically disabled due to {$40.00} threshold activated for a " delinquent payment ''. 
XX/XX/XXXX - I was notified through my credit report that my credit report had dropped a " significant amount '' which is why they contacted me. When I inquired they said that GM Financial had listed it as delinquent. I reached out and GM Financial 's customer service told me that it was due to an error in Auto Payment feature and to file a dispute with XXXX and have them contact GM Financial where they would confirm the issue. I filed a dispute. The dispute came back and they said they do not reach out to financial institutions and that GM would have to contact them directly. 

I am now reaching out to CFPB in order to have this resolved since both institutions are communicate with each other to remove the delinquency. This was in error of GM Financial setting up the wrong payment amount leading to the auto payment being shut off and I do not believe it should impact my credit score. 

Thank you, XXXX XXXX
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (FL)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing.
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (TX)

My identity was stolen and someone charged 24 rides on XXXX. XXXX sold the account to TRS Collections after I had notified them of the fraudulent charges. I have since contacted TRS by phone and sent them the FTC idenity theft report. They are still trying to collect the charges totaling over {$450.00}.
Consumer complaint received 2020-06-03
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. (VA)

I don`t recognize these account and inquiries, I have never applied for this. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian has allowed a series of reporting to my credit report under the personal information that is incorrect. 

These issues are with the spelling of my name, different aliases, and most importantly, a series of addresses that are not and were mine I have attached a copy of my state drivers license with the only address and correct spelling of the only name I go by
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

PayPal Credit by Synchrony Bank OnXX/XX/XXXX I made a purchase of {$550.00} using 12 month easy payment financing, expiring XX/XX/XXXX for purchasing a XXXX vacuum. 

I have other outstanding 6 month same as cash items that expire sooner XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I made payment of {$430.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX. Payments have been applied to the XXXX purchase instead of the soonest expiring balance. My expectation is 1 payment of {$45.00} would be applied to the 12 easy payments and the balance applied to the other purchases. 12 easy payments, means 12 easy payments not unless you pay extra on your account and we apply that to this first as well. 

At best this is deceptive business practice. At worst this is a fraudulent attempt to have older transactions expire to collect the deferred interest. 

I have been told I will have to call to make payments and instruct the person how to apply the payments every time. I have also been told that they will correct the misapplied amount, however this will not be reflected in my account for 30 days. Making corrections applying payments is not a 30 day process. Again this is a attempt to defraud. 

I mapped out my payments and budgeted accordingly before making purchases. Their method forces an extra {$500.00} payment ahead of the payment schedule. Prior to Synchrony, PayPal Credit applied payments as described in my expectations. How payments are applied should be predictable by the title of the credit offer. Easy Payments are ( Monthly Amount ) = ( Total Purchase Amount / # of Payments ). Same as cash in XXX months should be applied to the soonest expiring first. Protect the consumer from being defrauded by the lender. 

Synchrony also does the same allocation and correction process with other accounts that they offer, specifically Amazon Store Card.
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (OH)

To Whom It May Concern, The reason for my dispute is G C SERVICES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, G C SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) G C SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. G C SERVICES is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where G C SERVICES is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. G C SERVICES. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (SC)

IC Systems account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account.
Consumer complaint received 2020-12-02
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. (MI)

In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX.My account was close in XX/XX/XXXX.I received a letter from XXXX dated XX/XX/XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.Please see all attachments
Consumer complaint received 2020-11-02
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: Southwest Credit Systems, L.P. (MD)

A year ago in late XXXX of XXXX I discovered a derogatory mark in the amount of {$270.00} on my XXXX XXXX report. Upon further research, this account was transferred/sold to Southwest Credit. So on XX/XX/XXXX I sent Southwest Credit a U.S.Postal Service certified letter to verify the debt from this so-called collection agency. Southwest Credit never did verify the debt, NO written form of communication, contract, or signature for this accused debt at all. Then out the blue on XX/XX/XXXX ONE YEAR later and Extremely LATE this same agency FINALLY response with a poor quality photo copy of a bill anybody could've sent and said was mine. Nothing I even requested in XXXX of XXXX was ever sent. According to the FCRA Southwest Credit has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Transunion lowered my credit score by XXXX points for no reason. My report shows no changes whatsoever, and when I called their support number to see what's going on they said I'd have to pay for them to tell me why it changed. How is this even legal?
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc. (CA)

VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company $ XXXX. This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. I have sent a copy of this request for validation to the XXXX national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

New car loan in XXXX. Low down payment, poor credit with co-sponsor, but needed car in order to work. $ XXXX/month! Was told that if I paid for two years, I could trade in and lower payments. Unable to do this due to late payments. Car valued at {$18000.00} brand new. In XXXX, talked with a dealership about trade and was told that I had already paid in over {$32000.00} at that time. Loan amount due at that time was {$24000.00}!!!!!! Unreal! He told me that a LOT of people were in for this predatorial lending! 

Spoke with creditor many times about lowering payment due to financial difficulties. I complained to them about this and it should be noted in my file! Could not file bankruptcy due to the impact it would would have on my co-sponsor. 

Lost my job in XX/XX/XXXX and could not get a XXXX position due to COVID. Had filed for unemployment for XXXX - XXXX but never received. Spoke with XXXX many times that I would try to make payments once I had received unemployment funds. Unemployment funds were not received until late XXXX but not covered by COVID funds. Car was picked up the first week of XXXX. 

My mom had heard on XXXX XXXX show that a class action suit had been filed. I am a prime candidate and hope I may be included in this suit!
Consumer complaint received 2017-12-14
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: SYNCHRONY FINANCIAL (CA)

Received a a fraud alert notice from credit monitoring service regarding a Hard Credit inquiry from " Syncb/XX/XX/XXXX '' that I did not authorize. I have credit fraud alerts to notify me of any activity.
Consumer complaint received 2022-04-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

I have taken a loan from XXXX XXXX on 2014 i have closed that loans and taken XXXX also but still showing in XXXX, Equifax, XXXX sites i have all closure letters
Consumer complaint received 2021-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-09-01
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. (OK)

XXXX  continues to report a charge off from 2015 on my 3 credit bureaus in excess of {$1100.00}, I have disputed this with all 3 bureaus and the company over the phone and in writing. The account was taken out online and they do not have any proof it was me. No copy of my drivers license or signature. I did not take out this account. I have done all I can to get the situation corrected. Please help.
Consumer complaint received 2023-04-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (AL)

On XX/XX/XXXX I " bought '' a car from XXXX XXXX XXXX. My financing was done through XXXX XXXX ( a subsidiary of XXXX XXXX XXXX ) and as of XX/XX/XXXX they shut down the pay site and stopped our ability to make payments on time. 
Starting on XX/XX/XXXX I started receiving numerous harassing phone calls from Westlake Portfolio Management ( a debt collector ). 
I am unable to contact anyone at XXXX XXXX XXXX or XXXX XXXX regarding my vehicle. My car title shows a completely different entity ( XXXX XXXX XXXX who shows as a transportation company with 1 truck and 1 driver ). 
XXXX XXXX Co shares an address with XXXX XXXX XXXX  and XXXX XXXX. I am being harassed now by a debt collector through no fault of my own and being told that I will not be receiving my car title as Westlake Portfolio Management is only " servicing '' my contract. I have warranty with my original contract with XXXX as XXXX has stated that they will not honor the warranty. 
XXXX XXXX XXXX and XXXX XXXX have filed XXXX XXXX  bankruptcy in XXXX XXXX in Delaware. The businesses have not been dissolved in my state of Alabama. I have no way to contact the XXXX XXXXXXXX XXXX  too ask about my title and I feel as though I am being defrauded as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has blocked all attempts to contact them. 
I have never been late on my car payment with them and being handed over to a debt collector does not set well with me. They are calling 3 to 5 times a day. Harassing me to pay every single day.
Consumer complaint received 2020-09-01
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. (OK)

XXXX/XXXX  continues to report a charge off from 2015 on my 3 credit bureaus in excess of {$1100.00}, I have disputed this with all 3 bureaus and the  company over the phone and in writing. The account was taken out online and they do not have any proof it was me. No copy of my drivers license or signature. I did not take out this account. I have done all I can to get the situation corrected. Please help.
Consumer complaint received 2020-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (VA)

loan start date XXXX for XXXX and it still shows to as of XX/XX/2020 the pay off is over XXXX. There are late fees and accessed fees being added every couple months. There is no way I have had this vehicle for 5 years and only paid it down XXXX if I have been paying monthly and even with skipping a couple payments. I show 48 payments of XXXX each and payments of over XXXX each several times and smaller payments that look like they were broken down to be applied to late fees.
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XXXX failed to validate the debt or establish that the debt is associated with me. As. XXXX knows the XXXX statement provided is insufficient to either validate the debt or associate it with me. 

I never set foot in a XXXX - anywhere. 

And XXXX lies when it says that the challenged information is not a reinsertion. A conclusory statement that they " can find no records " is insufficient. 

XXXX XXXX XXXX