davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Consumer Telecom & Utilities Exchange, Inc. (LA)

I received a call from a New York number claiming to be a process serving company and stated that I needed to call another number before I was served with a civil complaint lawsuit. When I called the number it turned out to be XXXX XXXX I spoke to a young lady who claimed I had a pending lawsuit in their office. I asked how I had a lawsuit from them and she its through XXXX ( SP ). I informed her I didnt know who XXXX was and she named off various communication companies they served. I then asked her how I owed them money and she said I owed it XXXX but if I didnt want to resolve it I could just wait to be served by my county. When I questioned her about the validity of the company she hung up on me. When I called back and asked to speak to a supervisor I spoke to a XXXX XXXX who claimed to be the manager of the young lady I was just speaking to. I asked her the same questions and she told me they did not have any of the information to verify I had an outstanding debt. When I asked when this debt occurred she said she did not receive that information. I informed her that I was told they were a law office and they were the ones filing the lawsuit. I again asked her when the lawsuit would be filed because I should have the right to know if someone is filing a lawsuit against me. She said I would have to wait until I was served and hung up. The third time I called I spoke to XXXX XXXX who also claimed to be a supervisor. I also asked him to provide me with something stating the validity of the debt and he claims that it was sent out on XXXX XXXX XXXX and was scanned at my mailbox before it was delivered. I informed him that I in fact never received it and asked him to resend me something in writing and he said he was unable to do so because I didnt respond within the 30 days. I asked him when the debt was established and he said XXXX XXXX XXXX and was open for six years. I informed him that I never had any phone service active for six years and I would like to see some proof that this debit is legit. He again stated that it was delivered over 45 days ago and he would not hold my account open another 3-5 days.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I refinanced on XX/XX/XXXX with XXXX XXXX. Their servicer is XXXX  XXXX XXXX. I made my XX/XX/XXXX payment to the money source on XX/XX/XXXX. Then received a letter that my loan had been transferred to Lakeview/XXXX XXXX as of XX/XX/XXXX. 

Around XX/XX/XXXX I started receiving threatening robo-calls from Lakeview/XXXX stating that my mortgage payment was late and threatening to report to credit bureaus. I set up an online account with Lakeview, and I can see that they have not recorded my XXXX payment that I made in XXXX. They also have my escrow account at {$0.00} even though about {$5000.00} in escrow was paid at closing. 

The robocalls have continued. I can't set up my XXXX payment because it still says XXXX is due and I am afraid if I pay the normal amount, they will try to apply it to their illegal late fees. After I complained, they locked me out of my account permanently and I can't log back in, even after requesting new password, etc. 

On XX/XX/XXXX I tried to reach a human via their automated system. After going through 30 minutes of menus, I reached a point where I could leave a callback number. Two days later, on XX/XX/XXXX they called me back WITH AN AUTOMATED VOICE telling me to go through the automated system again. Finally I reached a human after a lengthy hold. I told her to cease and desist with the illegal debt collection calls because I have paid my mortgage on time. She said the system makes calls automatically and there is nothing she can do. She tried to tell me to make my payment and eventually they would sort out the late charges and apply it to XX/XX/XXXX. I refused until I am provided an accurate statement. She couldn't answer why they have locked me out of my account. I believe it is so I don't have access to the falsified statements that they are providing me and as retaliation because I have already filed a complaint with the Texas Mortgage and Savings department.
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied and received a fixed rate visa credit card from Bank of America ( BOA ) XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX ( 12 yrs ) the interest stayed at the fixed rate and never changed. XX/XX/XXXX the interest rate went up 1/2 percent on the full amount owed at than time - XX/XX/XXXX another 1/2 % hike - July again raised 1/2 % and again in XX/XX/XXXX, so you can see the pattern. This rate hike is still continuing.

Keep in mine I was never given notice of the rate hikes and the raised rate was always and still is on the full amount owed on my card.

I been calling BOA in various department asking what justification they have to do this action. The last answer I received ( while sitting in XXXX XXXX, a BOA branch employee office, that the federal government passed a law, XX/XX/XXXX, giving the credit card companies the right to raise fixed rate accounts. Not true - I call the Library of Congress to verify and no such law was passed.

The XXXX  Credit Card Accountability, Responsibility and Disclosure Act mandated that agreements worded with " fixed rate '' be fixed - also requires a 45 day notice to card of rate increase with the increase only applied to charges after the notice date.

There are 3 loop holes to this Act 1. Late payment, 2. Over Limit 3. Intro offer.

I have never been late or over my limit ( have records to prove ) and the original app ( have original ) did not state an Intro offer for 12 years. According to my research into the XXXX CC Act, BOA has violated numerous credit laws, no notice - not adhering to fixed rate - rate increase on full amount - not to mention the numerous lies and misleading information I have received from the company reps, the above example ( XX/XX/XXXX Law change ) comes with a witness, XXXX XXXX was informed of the same information from BOA Card Services.

I have contacted BOA via phone many times asking for answers with no result. I have kept records of the date called, name of rep and excuse given ( too many pages of records ).

I am asking CFPB for assistance in resolving the issue - I would like my interest rate to resume to original agreement with credit to my account on amounts over charged or a valid reason with documentation from BOA to justify raising my rate on the full amount owed with no notice.

Thank You, XXXX XXXX XXXX Contact info - XXXX XXXX
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Ordered products on XX/XX/XXXX Don't need the products anymore so I asked someone to Return the product for me Got an error returning the products that's why I asked them to give me a new return label The first week of XXXX - Got 4 new return labels Packed the product individually and return them by dropping them in XXXX XXXX Office on XX/XX/XXXX, before Lunch Packages were tagged delivered on XX/XX/XXXX - Received and Signed Got an Email on XX/XX/XXXX, about packages not containing the right products Called and contacted them about making sure and how would that happen for all 4 products Keep telling me they will investigate but still getting the same response about the package not containing the right products and will not issue a refund Been messaging them for more than 2 months Tried to dispute it in my bank but got reversed because the merchant told them they delivered the products.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

in XX/XX/2007 i took a loan out with XXXX XXXX XXXX that was canceled but they still out collections with XXXX and the doe to collect a debt took my taxes and 2 loans were tooken contact lender and they do nothing but tell me to fill out forms
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called Capital One in XX/XX/XXXX and spoke with a representaive about removing an account from my credit report after I pay it off because I am in the process of buying a new home and this is the last thing holding me back for approval. She said that after it was confirmed paid to give it about 30 days and if it wasnt removed then Capital One would then file a dispute to have it removed. I hung up after remembering I did not get her name or i.d number so I immediately called back. When I called back I talked to representative XXXX and she said that information that was given to me was false and she couldnt help me. I called back on XX/XX/XXXX and I talked with supervisor XXXX and asked her to pull up the call so that she can hear the misleading information that was given to me by one of her workers. She said she did not need to pull it up and that she was sorry for that representative giving me the false info but she can not help me get it removed from my credit report.She said that was a mistake and there was nothing that she could do even if that was promised to me by her company.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On my credit report Portfolio Recovery Associates is reporting I owe them {$740.00}. An account I guess they got from XXXX XXXX. I sent a letter asking them to verify I owe this. I was requesting a signed contract bearing my signature. I received a statement from 2012. Nothing verifying to me I owe this..
Consumer complaint received 2021-04-05
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: Bread Financial Holdings, Inc. (NC)

On XX/XX/2021 I submitted a dispute in regards to Fraudulent items that have appeared on my XXXX  and XXXX  credit report. XXXX  and XXXX  has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my True Identity Credentials and my Law Enforcement validation of my claim. After doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : XXXX XXXX XXXX  XXXX Account # XXXX
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (KY)

I had an auto loan through GM Financial in 2013. Unfortunately one month after I purchased the vehicle my husband was hit by another car on his way to work and the car was totalled. I was toldby my insurance company that the car was being totalled and they were sending the full payment to pay off the balance of the auto loan. GM financial marked my account as late during that time. 

It is now 5 years later but this account still shows the status as " 60 days late '' on my credit report. I have attempted to dispute this information through the credit bureaus and GM Financial refuses to correct the current account status. Account status should be paid in full. 

This has been negatively impacting my credit for years which is extremely unfair when I didn't even do anything wrong.
Consumer complaint received 2017-08-21
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)

XXXX XXXX XXXX did XXXX hard inquires in 4 days. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There is no reason they should have pulled my credit 4 times in the same week. This is causing a hardship and I need to have these inquiries removed. I have reached out to the company with no results. Please assist
Consumer complaint received 2021-04-05
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. (FL)

Hello I have provided the credit bureau with all of the information they needed. They still have not updated my report. I sent in letters in the mail for months and when I spoke to them they told me that they received my information and to wait a couple of days for my report to reflect the items removed. I have been waiting and calling and it has been over 50 days. I am trying to get this done it is very important to me and I have already sent in what was needed. These things need to be removed. XXXX XXXX XXXX Account XXXX, XXXX  OUTSOURCING Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX OF WO Account XXXX, OFFICE OF THE ATTY GEN XXXX, CHILD SUPPORT ENFORCEM Account XXXX, and XXXX XXXX/FLORIDA MOR. My name is XXXX XXXX XXXX. This is the only way my name should appear on my credit file.
Consumer complaint received 2020-06-30
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. (NC)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these inquiries immediately : 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 2018-06-18
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. (GA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2018-06-15
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. (GA)

These are accounts that I settled with the original creditors ... these accounts should have never went into collections ... Experian declines to forward me any proof, documents or contract proving their claim or the claim of the collection agencies ... this isn't accurate at all ... I have contacted creditors, and I was told that they did not verify these accounts for Experian ... F.C.R.A. law is being violated and so is my rights ... 



DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$860.00} {$860.00} XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-29
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: ALLY FINANCIAL INC. (AR)

In XXXX of 2019, I went in to get an auto loan. The dealership ran my credit and long story short, I left with a newly purchased vehicle. A while later when my credit report updated, I expected only to see one hard credit inquiry, but instead I saw a total of 5 hard credit inquiries added to my report for the same thing. Based on some advice from realtors and colleagues, I should be protected from multiple hard credit inquiries for the same type of inquiry on the same day. 

The inquiries are as follows : XXXX XXXX, NC XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, TX Ally Financi XXXX, MN XXXX  XXXX, TX
Consumer complaint received 2018-05-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I sent a letter to Equifax asking for validation of debts on my credit report. They received my request XX/XX/XXXX and I gave them enough time to do an investigation, but they never responded back.

I sent a second letter on XX/XX/XXXX asking for details, such as how they are verifying the debt, who is in charge of my account and what documents they may have used to verify any of the debts listed on my credit report. I also asked if they could not validate the debt, then they are required under law to promptly delete the information. They received this request on XX/XX/XXXX, but did not respond within or after the 30 days of the return receipt.

I sent a third letter on XX/XX/XXXX asking for the removal of all the derogatory items on my credit report as they did not follow validation of debt procedure and failed to respond twice. I did not ask for validation, but rather the deletion of all derogatory information that was disputed.They received my letter on XX/XX/XXXX and I still have not heard from them.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

On my one year anniversary statement, I noticed Wells Fargo charged me a returned check fee for {$15.00}. They also sent a letter that said that my most recent automatic payment was returned unpaid/account not found and that as a result, the Automatic Payment Feature on my account had been canceled. I am not aware of being enrolled in any automatic payment feature. This type of error has not occurred before on my account and I manually pay my bill each month. I called Wells Fargo and the customer service representative was helpful and told me he could reverse the {$15.00} and that it would show up as credited on my next monthly billing statement, just to pay my bill as normal.
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

I was using my PNC debit card this Monday XXXX to take my daughter to the zoo. I had all of my money accounted for and knew how much I could spend at the zoo. I only bought 1 bottle of water for {$4.00} and there was plenty of money in my account. 

I woke up the next day and saw that my PNC account was somehow overdrawn. They also decided to take all the money out of my savings account, which was about {$240.00} and placed it into my checking account, which supposedly fixed the overdraw. Even after transferring the money they then decided to charge me {$39.00} three times for a total of {$100.00}. 

I called PNC and was put on hold for about 25 minutes. When I finally was able to get a person to talk to they had no clue what they were doing and did not want to help me. I eventually just hung up on them because they were not being helpful. 

I called PNC bank and finally got a hold of someone that tried to help me. I wanted them to explain how I was over drafted and I wanted the fees refunded. They were not able to explain to me how my account became over drawn and they also refused to return the {$100.00} in fees. 

I asked to speak with a supervisor, but apparently, they did not have one available to speak with me
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

Had a truck loan thru Ally Financial. Paid off my truck loan over a month ago, received my title two weeks ago. They refuse to update the credit bureaus. They update after each regular payment, but when you pay the loan off they say they are unable to update. I've already made several complaints, and have contacted them. They say it's broken, what could be broken. I'm not the only one going thru this problem
Consumer complaint received 2020-06-29
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: JPMORGAN CHASE & CO. (AR)

In XXXX of 2019, I went in to get an auto loan. The dealership ran my credit and long story short, I left with a newly purchased vehicle. A while later when my credit report updated, I expected only to see one hard credit inquiry, but instead I saw a total of 5 hard credit inquiries added to my report for the same thing. Based on some advice from realtors and colleagues, I should be protected from multiple hard credit inquiries for the same type of inquiry on the same day. 

The inquiries are as follows : XXXX XXXX, NC XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, TX XXXX  XXXX XXXX, MN XXXX XXXX, TX