davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (AL)

When I initially received the service, I was making payment regularly. I have a remaining balance of {$900.00}. Out of nowhere, my balance had increased and the company stated because I have exceeded the promotional period. I told them I was not informed of a promotional period and can I receive a copy of the terms and conditions of the contract. They stated they would not provide it and that it is my responsibility to locate it. They are erroroneously increasing the balance on my account without providing documentation.
Consumer complaint received 2020-10-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (PA)

The debt collection agency that represents GM Financial calls me 2-3 times a day. The agent speaks so quickly that I can not make out the details of her Agent ID # or telephone number in the voicemail. When I call the collection office, they tell me they have no record of my telephone number even though I receive 2-3 calls a day. 

I have never bought or leased an automobile with GM Financial. I have spoken with two agents at the collections office ; however, neither were able to tell me why I am receiving collection calls from GM Financial. I would like to remedy this situation to see if it is a fraudulent account, but I am receiving no assistance from the office contacting me.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Since XX/XX/XXXX USAA / XXXX been tacking on unwarranted late fees to my mortgage principal. There have been thirty two such late fees and USAA has used principal only payments to pay for the supposed late fees. The problem with the late fees is i have never made a late payment -- USAA receives an electronic payment from my XXXX XXXX XXXX account for {$1200.00} on the first of each month -- USAA applies late fees after theXXXX of the month. I have spent many hours on the phone trying to get this problem corrected without success. 
Today, XX/XX/XXXX, i happened to noticed a {$62.00} late fee added to my upcoming XX/XX/XXXX payment of $ XXXX that's a late fee on a payment yet to be made. I called USAA and spoke to a supervisor, Ms. XXXX XXXX and she immediately removed the {$62.00} fee. Ms. XXXX provided her direct phone number : XXXX. A Mr. XXXX XXXX responded to a XXXX complaint ( complaint number XXXX ) i made but has not contacted me as promised. Mr. XXXX did not provide his title nor any contact information. I have had two homeowners policies and two auto policies plus the mortgage loan simultaneously with USAA and pay on time and in full. I consider these late fee to be fraudulent and wonder how many other vets this is happening too.
Consumer complaint received 2021-08-20
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. (GA)

I have been disputing unauthorized inquiries on my consumer report with your agency for months now. I've sent multiple FTC reports informing the agency that they furnished my consumer report without my consent and that they're reporting unauthorized inquiries. Your agency have also been unable to provide the methods of verification or validation that proves I initiated the following inquiries. I was also stated to your agency that I was a victim of the Equifax data breach and still I was unable to get the proper help with my issues so I have to get the CFPB involved. 

1.XXXX Date of inquiry : XX/XX/2021 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 3. XXXX Date of inquiry : XX/XX/2021 4. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 5. XXXX XXXX XXXX. 
Date of inquiry : XX/XX/2021 XXXX. XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX TXXXX Date of inquiry : XX/XX/2021 8. XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2020-09-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted Trans Union by certified mail requesting they provide proof of contracts between myself and the companies listed under collections on my credit file that are reporting negative information on my file. I requested to be provided with contracts between these companies and myself or for it to be deleted upon failure to produce said contract. This was my second request. They closed the dispute and said it completed and information had been verified and updated in my file. The first company listed on the letter received back from them, and which was also included on my dispute letter is XXXX XXXX XXXX. Trans Union didn't provide any proof of contract with myself and XXXX XXXX XXXX as requested, and closed the investigation as verified and updated. The second company which is listed TWICE on my credit file is XXXX XXXX XXXX. Trans Union updated the Loan Type, Date updated, and Remarks and closed the investigation as verified.The third company is XXXX XXXX XXXX. TransUnion said in the letter that this was verified as accurate. The final company is Fair Collections and Out. Trans Union stated this was verified as accurate, and stated other information has changed and closed the investigation. I have attached the letter that was sent to them in which I requested proof of contracts between myself and the companies listed above or deletion of this derogatory information in my credit file, as well as the investigation results they have provided which were unrelated to my dispute!
Consumer complaint received 2020-09-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX  XXXX acct # XXXX Is reporting an account on my credit file that is not mine. I requested to be removed off this account a long time ago. I never signed any documents to be added on this card and it was in error. I am requesting for this account to be removed off my credit.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

To Whom It May Concern, This is my 2nd complaint to you as Experian refuses to respond to my dispute investigation request and help me. They are now claiming that they think that I am a 3rd party which couldnt be further than the truth, and candidly Im offended and angry. Im attaching my IDs as proof. 
My accounts listed were not late and refusal of Experian to simply respond and address my concerns is outrageous and based on my own research, is in violation of the law. Its now been almost 3 months without response to my investigation inquiry.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America credit card company closed our credit card in XXXX of XXXX because of delinquency. 

I do not have the statements from 10 years ago so I called and requested the statements from Bank of America. 

The representative told me she could see from " the notes '' that the account was closed and referred to their collection department on XX/XX/XXXX. 

She then referred me to the " recovery '' department who also told that the account was closed so long ago they don't have the statements any longer. The irony is almost too much. She reconfirmed the date Bank of America closed the account following past due balances, XX/XX/XXXX. 

She also directed me to a fax number to direct my complaint. It is XXXX. I don't know who that is or where that number goes? I've been give that number in the past and have sent a written statement similar to this. 

After Bank of America closed my account, I paid Bank of America when I could but not consistently. After some years, the account was sold to a collection agency. The collection agency or Bank of America " re-aged '' the debt reporting the delinquency to reflect the date they acquired the debt, not the date of the original deliquency they are required to report. 

Per the FCRA, this item should have been removed from my credit report as of XX/XX/XXXX! It was not. 

I wrote Bank of America. I called Bank of America and the Collection Agency. They both blame the other telling me to call the other. I supplied all of this information to Bank of America who ironically is in full possession of the statements and the closing date. I hired a credit repair companies to address this. Still, Bank of America continues to confirm the re-aged date is accurate. You can see on my credit bureaus how many times I have tried to dispute this. 

Since we lost our jobs in XXXX, we have worked diligently to recover and repair our credit. We continue to pay this debt every month with a full understanding we owe the debt. But Bank of America and the 3 credit bureaus are conflating debt owed with reporting laws. 

We want to refinance our house. We want to buy a smaller house for retirement while interest rates are so low. We are running out of time. This is severely knee capping our effort to secure our finances for retirement. 

Between credit card companies and the credit bureaus, we can not move forward. This is illegal and unjust.
Consumer complaint received 2021-12-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2021 I sent Wells Fargo a request for Proof of Claim that they provided me with a loan regarding my XXXX. It was sent with a Cease and Desist, an Affidavit of Truth stating facts and an invoice for violations of the Truth In Lending Act. Mid XXXX I received a phone call from a Wells Fargo agent, XXXX XXXX, informing me that they received my request and will get back to me on XX/XX/2021. I then received a bill dated XX/XX/2021, despite the dispute ( violation of 15 USC 1692g ( b ) ). 

On XX/XX/2021, I sent an XXXX to XXXX. I received another bill with threatening and harassing verbiage dated XX/XX/2021 ( violation of 15 USC 1692g ( b ) and 15 USC 1692d ). On XX/XX/2021, I received a copy of an application and an agreement from the dealership from whom I purchased the car. However, I specifically asked for Authenticated proof of a loan. 

On XX/XX/2021, I mailed a Notice of Default describing in detail their billing errors and XXXX violations and giving Wells Fargo an additional 10 days to cure their violations. Today marks the XXXX day that Wells Fargo is in dishonor.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME THE ( XXXX XXXX ) LISTED WAS OPEN FRAUDULENTLY SOMEONE USE MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IIN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/XXXX I was about to purchase a ticket through XXXX XXXX when I received an offer that the ticket would be lower if I applied for the XXXX XXXX credit card offered through Barclays. If I was approved the first year annual fee of {$99.00} would be waived, I would receive the lower flight fare, and if I charged a certain amount within 3 months, I would accrue a points for future travel with XXXX XXXX. Despite my stellar credit score greater than 800 for over ten years and rare inquiries, I was denied and paid the full fare for my ticket. 
XX/XX/XXXX, I received an email that my application had been approved. 
XX/XX/XXXX, I found that statements to my permanent address for the {$99.00} annual fee and that it was past due. I contacted the customer service number where the representative stated she would 'waive the annual fee this year ' even though that was the terms that I had applied for : waived first year annual fee. 
Early XXXX, I noticed that my XXXX score on the Barclays website had dropped but did not know why. 
XX/XX/XXXX, I accessed my credit bureau reports and saw the late payment which caused my XXXX score to drop 100 points was because of Barclays. Not only had they sent a statement for the {$99.00} which was supposed to be waived the first year under the terms of their marketing ploy for a discounted airfare ticket, but they also reported me as being late for a fee I should not have been charged with in the first place. 
XX/XX/XXXX I sent a message to my Barclays website account and requested that the information be removed from the credit agencies as it was false. 
XX/XX/XXXX, I received a set of instructions that I needed to contact Barclays FCRA mail address with my dispute. I was also told I needed to provide additional information ( such as phone number which I declined as I wanted exchanges in writing and to protect my privacy and selling of my information ). 
XX/XX/XXXX dated letter from Barclays ( envelope not dated ) that they have reviewed my dispute and and 'agree to change the information that has been reported '. 

Although my case was corrected, I am reporting Barclays as they 1. falsely advertised ; 2. incorrectly reported me to the credit bureaus ruining years of hard-earned credit-worthiness ; 3. imposed on my  time to track their errors and correct them. 

I am also writing to alert the CFPB of Barclays practice to protect others that may not have the language, knowledge, or resources to follow all the criteria Barclays requires to correct their errors which would be damaging to other consumers and create increased and false fees and higher interest rates for other consumers.

Last, I want to alert CFPB to Barclays marketing ( fishing? ) schemes to defraud consumers by baiting them with fares ( or other incentives ) which they have no intent to follow through on but use as a means of gaining credit card users to obtain their cards.
Consumer complaint received 2020-10-14
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)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME THE ( XXXX XXXX ) LISTED WAS OPEN FRAUDULENTLY SOMEONE USE MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IIN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VALLEY CREDIT SERVICES, INC. (WI) (MD)

they claim my hospital bill was not paid. i got a copy of my bill from XXXX XXXX XXXX and the bill say XXXX  owe. This is a charge off debit. When i checked the company address it is different from website plus a p.o. box address. I had medical insurance which the bill was sumbitted to XXXX and Valley Credit Service refuse to take it of my credit report. The name the bill is from is XXXX XXXX XXXX. XXXX  XXXX XXXX, md XXXX for hospital say on XXXX to XXXX billing me for XXXX. Since my dispute they have changed there address to XXXX XXXX  XXXX XXXX, va XXXX phone number XXXX
Consumer complaint received 2019-07-02
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I disputed a fraudulent cc on my credit report and they said it was resolved which is far from the case. I never opened a XXXX XXXX cc in XXXX of 2018 and its showing delinquent on all 3 credit bureaus. I want the cc closed and something done to investigate who opened this cc and I want them prosecuted. Please help me with looking into this. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

I initiated a Refinancing Transaction with PennyMac Loan Services , LLC on XX/XX/2020, to refinance my current mortgage with them. 

An appraisal report was performed on my house and PennyMac told me that they will not move forward with my application because the appraisal report shows that my front steps need repair. This is the reason why I am going through the refinance so that I can have some funds to repair my front steps. 

This was not disclosed to me upfront by PennyMac that they will not move forward with my refinancing when I contacted them on this refinance transaction. 
Therefore, I withdrew my application and moved forward with another Mortgage Company. 

I have been requesting from PennyMac for 2 weeks now the XML file of the Appraisal Report, a copy of the invoice, and a copy of the Paid Receipt which I paid for using my VISA Card. 

The Mortgage Loan Originator from PennyMac Loan Services , LLC NMLS  : XXXX who I have been requesting this information is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX, XXXX, CA XXXX. His Direct Line is XXXX XXXX XXXX XXXX and his email address is XXXX. Branch NMLS # XXXX and Corporate NMLS # XXXX
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In late XXXX, I cancelled our mobile phone service with XXXX XXXX. We paid our final bill to zero. We began using XXXX XXXX XXXX in XXXX of XXXX. 

XXXX XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX ) XXXX A couple months later, I received a bill from XXXX attempting to charge us for an early termination fee. $ XXXX I called XXXX and told them our contract had expired many, many years ago. They attempted to tell me that I signed a new contract later. Knowing I had not done so, I asked them to send me a copy of the signed contract. They did not. I have repeartedly requested proof that they confirm I signed a second contract with them. 

We were clients of XXXX in XXXX. We closed our account XX/XX/XXXX. We transferred our service to XXXX XXXX XXXX in XX/XX/XXXX. XXXX chased us for this false debt for 3 years. In XXXX they turned the account over to collections agency, XXXX XXXX. 

XXXX refuses to supply proof of their allegation and simply keep reaffirming the false re-age date, XX/XX/XXXX that coincides with when they turned the account over to XXXX XXXX XXXX. 

Since then, they continue to tack on late charges and report the account as defaulted in the amount of {$280.00}. 

There are two issues. 
> We never owed this false charge because we never signed another contract ( which they refuse to supply proof of ). 
> They are reporting this late charge with the fake re-age date of XX/XX/XXXX.
Consumer complaint received 2020-09-02
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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

There are 2 accounts from 2 different Toyota loans that have been paid in full payments were made on weekends and company systems did not reflect the weekend date which is unfair to me as a consumer when paying before the 30-60 day mark they have reported XX/XX/2016 on both my report and my husbands report late 60 days under this account XXXX XXXX and also are reporting 2 30 day late payments on the newer loan this is severely hindering us to refinance due to covid I am asking they please remove all late payments both loans are XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I sent disputes to company on XX/XX/2020 and still haven't received a response. The information being reported is damaging my credit. I feel like Im being looked over and it is really affecting me. Please intercede to have the incorrect items updated. I don't know if this is a result of me being affected by the XXXX breach but I can't wait until this is over. 
Thank you for your assistance
Consumer complaint received 2020-09-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (TX)

I sent a letter of Validation, Cease and Desist, Invoice and Affidavit of Truth And Facts XX/XX/2020 with Signature and Return Confirmation to Mercedes Benz Financial Services. 

Mercedes Benz Financial Services did sign for the package on XX/XX/XXXX at XXXX. 

Mercedes called and left a message XX/XX/2020 which is a violation of the Cease and Desist. 

Mercedes has not sent any correspondence via mail in regards to my Validation, Invoice or Affidavit of Truth