davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.
Consumer complaint received 2018-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Hello, Wells Fargo is charging me for litigation fees they have incurred based on a violation by the XXXXXXXX XXXX XXXX XXXX. The problems are as follows : - the XXXX XXXX XXXX XXXX violation was resolved by myself in XX/XX/XXXX. My correction was accepted by the XXXX XXXX XXXX XXXX and there were no associated costs or penalties. 
- the first charge from Wells Fargo was in XX/XX/XXXX ; AFTER I had resolved the issue. 

- the first time I was informed by Wells Fargo that I was being charged for litigation fees related to this violation was XXXX XXXX. In this letter, Wells Fargo stated that the case was " still open '' and therefore they could not tell me the amount to be charged to me. Keep in mind, I had already resolved/ corrected the violation in XXXX and the case was closed with the XXXXXXXX XXXX XXXX XXXXXXXX . 

- On XX/XX/XXXX, Wells Fargo again wrote a letter but this time stating that the case was " now closed '' and sent me charges totaling {$630.00}. 
- I called and wrote to Wells Fargo about these charges and provided evidence that this issue was resolved in XXXX. 

- On XX/XX/XXXX, a Wells Fargo letter stated that I must pay their fees because my mortgage agreement holds me accountable for claims against the property. However, there were no claims or violations against the property at the time of the charges. Further, the dates of charges on the letter had errors and I again wrote to them. There was a new charge on this new correspondence which dates back two years for " attorney fees. '' - In a new correspondence, Wells Fargo again closes my case on the basis that the mortgage agreement holds me accountable for charges related to claims on the property. They failed to explain why one charge was dated back to XXXX. I still do not understand why I am responsible for costs that were incurred AFTER an issue was already resolved? 
This is unethical and unjustified.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on both Equifax and XXXX  since XXXX and I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Consumer complaint received 2018-08-20
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: Mercedes Benz Financial Services (CA)

On XX/XX/18 I visited XXXX XXXX to get my routine service done to my vehicle. Upon waiting, a salesperson asked me would I be interested in learning about other options. I said yes and he asked me for my current vehicle information. He said he would run some rates and would not pull my credit report. I decided to not move forward on any vehicle however the next day I see there was a hard inquiry on my credit report from Mercedes Benz Financial Services. On my credit report it states XXXX LA and Mercedes Benz FS which are the same entity. There are several other hard inquries from my previous lease from both XXXX XXXX and Mercedes Benz Financial Services which are the same entities as well. In total, there are 4 separate inquiries from Mercedes Benz Financial Services and there dealerships, two which are two years old. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt  have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court ordered or requested by a state or local government agency in relation to child support. I never gave the recent entity written approval to pull my credit on XX/XX/18 and I would like them removed.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2018-08-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (IL)

I have had no correspondence for this savings account since at least XXXX of XXXX. I received a letter XX/XX/XXXX stating that I owed XXXX in closing fees.I had previously had the same issue with the checking account linked to this account. That was handled to fair conclusion by the CFPB in case # XXXX. I feel this is further harassment because of the original case, as the circumstances are not only exactly the same, but the accounts were also linked and they never mentioned this during my previous complaint or correspondence. When I called the individual named on the the letter from US bank, he stated that he could only help me if I was calling to make a payment. 
Thank you XXXX
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Interstate Recovery Service, Inc. (PA)

XXXX XXXX was charged {$490.00} XX/XX/2018 for unpaid magazine subscription she was billed {$1900.00} for unpaid magazines she gave her credit card to Interstate Recovery Service XXXX   XXXX XXXX XXXX XXXX, VA XXXX phone XXXX XXXX XXXX. 
When XXXX contacted the magazine distributors there was no outstanding charges in the amount stated by Interstate recovery. We believe that a fraud has occuredsince interstate recovery has not sent backup information supporting there charges.
Consumer complaint received 2018-12-10
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. (AZ)

Equifax failed to positively verify the accounts and has hurt my ability to obtain credit. I did not have a contractual obligation to pay the accounts balances, they are not mine..Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  XXXX, XXXX XXXX, XXXX   XXXX, Chapter XXXX Bankruptcy Discharged XXXX
Consumer complaint received 2018-05-22
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. (FL)

Hello hows it going, My name is XXXX and i am trying to see if someone can assist me as i am trying to get a mortgage loan for my family to get them out of a bad area we are in. My only issue is that closed XXXX auto loan account is reporting a late payment inXX/XX/2016. I don't know of this is incorrect or factual but i am asking out of good faith for help in the removal of this remark as the underwriters are giving me problems and want to stop the loan because of the late payment i have showing. Please help me as much as possible as you can see i paid every other payment on time and satisfied the loan completely as well early. Making payments was never an issue it could have been an overseen mistake or that i was sick in the hospital dealing with my wife being pregnant and many complications. Please advise, thank you and XXXX bless. 
XXXX Account # XXXX ....
Consumer complaint received 2018-08-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Peak Acceptance, LLC. (TX)

In XXXX of XXXX I opened an account with Peak Acceptance for a XXXX XXXX XXXX that I was unable to afford and was eventually repo 'd. Instead of showing a reposession on my credit it reportwd that i had a late payment every month for the next 5 years absolutely deztroying my credit. I have 6 of 7 accounts in good standings on 1 bureau. They are the only derogatory mark and my score is sufferimg dramatically for it..that isnt the worst of it. They are reporting that they closed the account in XXXX of XXXX and also that the last payment made was XX/XX/XXXX which totally false and they have llayed around with the dates to keep this on my creit report for as long as theu can. This has got to be illegal in some form and I am being punished for having to let a vehicle go back to the lender and suffering for it more than I should have to. Please take this complaint seriously and please help me remedy this and allow me to move on with my life. Ive had to deal woth this for nearly 7 years and they would like to keep it on my credit for an additional 6 years. Im not sure how companies can get away with This.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

Discover card has been harassing me multiple times every day and night, early and late, 24/7 insisting I call back. They call on both my cell phone and landline. I have never provided my private landline number to Discover and this is an invasion of my privacy. When I block one of their XXXX numbers, they switch to another XXXX number and continue calling repeatedly. 
I called back today XX/XX/18 and was informed that I could take advantage of some sort of automatic debit program if I was late making payments. As far as I know, I have not been late in making a payment. The calls are harassing. 
In addition, Discover repeatedly contacted me to transfer a balance from another credit account and when I did, Discover reduced my credit limit for absolutely no reason. 
These are misrepresentations, harassment and the Discover company needs to be reined into proper business practices. 
Thank you. 
XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-08-20
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. (GA)

XXXX XXXX Opened XX/XX/2018 {$150.00} Original creditor : 11 XXXX Was settled with original creditor, and TransUnion will not remove it ... yet XXXX and XXXX has ... 
You must provide 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. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Please see complaint # XXXX " Notwithstanding, we have placed this account on hold and requested verification of the account from our creditor-client. It will be sent to Mr. XXXX if and when it is received. We trust this resolves your concerns. '' XXXX XXXX XXXX. 


I have waited nearly 55 of the 60 day feedback period. I have received none of this information. Again, I have received no phone calls or letters and would like to see proof of phone contact and any previously dated postmarked letters. 

The burden of proof lies on XXXX XXXX and no documentation has been produced. I have patiently waited another 55 days for the promised follow up and have received nothing. Not too mention the several months of damaging improperly filed collections. 

My previous complaint went nowhere. I wish to resolve this and discontinue filing complaints. However, I will not cease until this matter is resolved. An ideal outcome would be the erasure of this illegal reinsertion of a previously defunkt collection claim.
Consumer complaint received 2018-08-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

We have been working with Ocwen Ombudsman Office since XXXX. I have submitted to home modification requests, both times they say they never received them. I have asked them for a reinstatement amount owed. They refuse to give this to me. We basically have no information to go on and they have no interest in helping us resolve this. We called our state Florida regulatory agency and they told us Ocwen is the worst to work with and they face many legal challenges. They said that they may not even want to work out even taking they payments from us, that's why they refuse to give us a reinstatement amount. They say they have been under scrutiny for some time and it's easier for them if I just go away. I don't want to lose the house. I just want to know how much is owed, we may be able to pay it today. I want to have a chance to modify. I asked Ocwen if they are unwilling to modify what else are my options, they said we will foreclose on your house we do thousands a day. This isn't fair. I just want a fair resolution and them to actually do something honest. I may be asking for to much. What other options do I have to force them to comply with the law.
Consumer complaint received 2018-08-19
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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (FL)

on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXX andXX/XX/XXXX but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXXI dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.
Consumer complaint received 2018-12-10
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: EQUIFAX, INC. (FL)

Equifax is out of line. First they cause this massive data breach and offer to give a bogus identification theft program the CEO couldnt even face congress and weeks later he stepped down with his  Millions in severance personal payments knew about the data breach and before he sold his stocks before making contacts with congress or the American People! They refuse to block items that are Fraudulently placed on my credit bureau ( Equifax being the only one not cooperating ) XXXX XXXX and XXXX have been fantastic. Equifax needs to be held to a higher standard of removing the Fraudulent Accounts. I believe this is XXXX XXXX on Equifax part and they are out of compliance.
Consumer complaint received 2018-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I disputed two different accounts from two different companies ... seperate letters ( placed in the same envelop ) that are being handled by Portfolio Recovery Ass. These letters were sent via certified mail USPS on XX/XX/18 and were delivered and signed for at Portfolio listed address on XX/XX/18. One account they state has an outstanding balance of $ XXXX..the other account they state has an outstanding balance of {$1000.00}. In both letters I clearly ask for vaildation of any signed documents by me that state anywhere where I owe/agree to pay them any amount of money. More than 30 days have passed and they haven't responded to my request for this very specific documentation. Also they have failed in that same 30 day time frame to report these accounts as disputed with any of the 3 agencies they are reporting to. These are clear violations of the FCRA, whic is in place to protection us from companies like this. All the information is inaccurate with these accounts. They even list these collection accounts as " open '' with 2 of the 3 burenas..this is just wrong. I want both of these accounts deleted ASAP from all 3 credit reporting companies, as well as them agreeing not to sell these bogus accouns to another agency. They have failed to do the easiest things.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

when I review my statement I found the transactions blow XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX   XXXX XXXX CA {$2800.00} XX/XX/XXXX XXXX XXXX XXXX CA {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$4100.00} I did not made those transactions On XX/XX/XXXX I filed a frud claim to Bank of america and they told me that the transactions will remove from my account But on XX/XX/XXXX I found the transactions again in my account I called bank of america many times but no answer I filed a claim with CFPB Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Someone from bank of america called me and told me that they will review my case Yesterday XX/XX/XXXX I received a letter from bank of america that my case is denyed I moved from my old address ( XXXX XXXX XXXX, XXXX XXXX ) before these transactions I did not made these transactions and I did not receive anything from this company and even I do not have XXXX account I should have no liability and I am secure with the credit card
Consumer complaint received 2018-08-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (MO)

The company Has not yet responded to me. I spoke to a representative who said I would get a call back the same day so my account can be closed and the interest can stop being charged which is over 300 % interest. I Want to pay my debt but since Ive been laid off I can only afford to pay my principle balance, over {$300.00} in interest is being added to my account every 2 weeks. They have no responded as of yet..I sent the email to them that is below. 




Account # XXXX URGENT XXXX XXXX XXXX XXXX Dear XXXX XXXX, Recently due to unforeseen circumstances I was laid off from my position as a XXXX XXXX  in the XXXX XXXX. I have very little money available at this time to keep up with bills including credit cards, loans, cash advances. I will have just enough money to keep the lights on and feed my children. Per the Fair Debt Collection Practices Act, Federal Trade commission, and the Consumer Protection Bureau I hope we can come to fair terms in regards to repaying my outstanding debt. I would like to pay off my debt completely within a set time period with freezing the amount of interest being charged so I can put every payment towards my principle balance. I would like to start paying immediately. At this time if you could please stop any ACH withdrawn or Debit withdraw from account ending in # XXXX and card ending # XXXX as I do not want to attain any fees from NSF. 

Please, your co-operation is appreciated and Im hoping to repay my debt with set payments over a set time period without any additional interest being charged or added. I look forward to hearing back from you as I am trying to take care of my responsibility with XXXX. Please email me at XXXX or I can also be reached at XXXX. I will get back to you as quickly as possible. 



Thank You XXXX XXXX XXXX Acct # XXXX