davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The credit card issuing company reported that I was over 30 days late on a payment. It turns out that the company had switched me to an electronic payment system instead of sending a paper invoice. If I had agreed to this change it was probably hidden among other matters and not in the forefront. I really do not remember agreeing to such a change. 

When I became aware of not receiving a bill about the same time that they sent me note saying that a payment was returned unpaid. On XX/XX/XXXX I called Bank of America ( XXXX XXXX ) and was told that my payment was returned. She could not tell me why. But I specifically ask that I get a bill right away in the mail and that I wanted to pay it to avoid any credit problem. She ( XXXX ) said she would do it. Then I decided to call back and I talked to XXXX XXXX. She told me I owed {$120.00} so I gave her bank payment information and she gave confirmation # XXXX. So I thought it was paid. 

But then I finally get a paper bill that I had asked for and it showed that my balance was {$130.00} with fees charged. I had already suspended use of that card. 
( 1 ) So, Why did they return my on time payment in the first place. That account always had sufficient funds. 
( 2 ) Why when I talk to this company did they not honor my intentions and show that my payments are good and would be made. ( Never a late payment since being a customer ) ( 3 ) Why would they blemish a credit report of a long term loyal customer? 
I did send my check # XXXX for {$130.00} on XX/XX/XXXX before I had received their bill. 

I think that Bank of America should erase that late payment off my account and I should not have to pay a returned check fee unless they can show a valid reason for returning it. I no longer need or wish to do any business with this credit card company. I hope that other customers are treated a little better.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (VA)

I received a debt collection notice from Frontline Asset Strategies ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ) reporting that I had a debt to XXXX XXXX a company I do not and have not ever had an account with. I responded to them in writing as requested informing them the debt was not mine, and in return received a letter with the " information your current creditor is able to provide you '' that was a poorly photocopied form asking for a copy of my driver 's license and SS # and zero evidence that I have an account with XXXX. I contacted XXXX directly and verified there is no record of an account in my name or address, so I believe this debt collection agency is a scam attempting to collect personally identifiable information and money by threatening debt collection when no such debt exists. I have also verified that my credit reports show no open XXXX  accounts or debt in collections.
Consumer complaint received 2021-04-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (MD)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath and I depose the following facts, so be it, now present : I, XXXX XXXX entered into a consumer credit transaction with CARMAX AUTO FINANCE on XX/XX/2018. I used my credit card as defined under 15 USC 1602 ( l ) and several of my Federally protected consumer rights were violated in the following manner, thus I would like in an act of good faith in this matter please expedite my request to resolve. None of my requests about these violations were addressed but instead the company responded to the debt collection. My focus is on the many violation that occurred while in this consumer credit transaction. 

I have sent a notarized copy of an Affadavit of truth which was not rebutted with any factual components at all. According to the truth in lending and fair credit repair act, i am entitled to a response to any federal consumer violations. This case can not be closed until you address the many violations that have occured. 

These are the following violations : 15USC 1605 ( A ) 15 USC 1605 ( C ) 15 USC 1611 ( 1 ) 15 USC 1635 ( A, B, F )
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I filed some disputes with Experian around XXXX XXXX, 2022, about some accounts reporting inaccurate information on my Credit Report. I sent them a letter showing proof of discrepancies and asked for them to either update or delete the inaccurate information. 

I received a response back from Experian and noticed that nothing has changed as a result of the dispute. Therefore, I am humbly requesting your assistance in rectifying this matter, as it is having a profound affect on my credit report.
Consumer complaint received 2021-03-09
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: Experian Information Solutions Inc. (MO)

I contacted Experian in the first week of XXXXbecause I have been unable to acquirea score for months unlike the other two bureausto populate online. The first representativeI spoke with in the beginning of XXXX informed me I needed a trade line ( which at the time I had a small trade line already reported and active ) but to follow her instructions I acquiredan additional XXXX trade line that I have verified has been reported and Experian is showing the amounts on the report but not my Fico Score itself. So I contacted them again today. I have been on the phone with their " customer service '' department since approximatelyXXXXtoday. I spoke with another representative that stated if I were to enroll in Experian Boost my score would populate immediatelyso of course I did that as well. Boost populated 5 accounts with excellent payment history going back to 2019 but of course still no score was available. So I once again contacted Experian, after being on hold and hung up on twice I finally connected with XXXX who transferredme to her supervisor XXXX. I requested XXXX ID # or a reference # for the call and was refused on both counts ( the only info he stated he would provide was XXXX a membership supervisor out of XXXX XXXX or XXXX XXXX ) I was then told that ALL the information I receivedfrom the previous representatives was incorrect and there was nothing he could do to assist me. At which point I requested XXXX XXXX supervisor because I had been on the phone for hours and told at least 3 or 4 different answers none of which were accurate or helpful. XXXX refused his supervisor stating he was the highest person I was Allowed to speak with. Not only is this entire experience and lack of the representatives knowledge and customer servicefrustrating but this is hindering me from acquiringfunds trade lines and possibly my home I am attempting to acquire during a pandemic is not only unacceptable but extremely unethical.
Consumer complaint received 2021-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (NV)

ATTENTION TO CREDIT ACCEPTANCE CORPORATION I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I reached out to this company back in XXXX in regards to remove this from my file as they sent information they received to open this account which was not done by me or belong to me. I am seeking for this account to be removed from my file in the amount of {$7300.00} does not belong to me. This account was fraudulently opened through this company CREDIT ACCEPTANCE CORPORATION in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2022-05-13
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)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Has all 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Has all 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OH)

This is the 2nd time this has occurred. I made several purchases in XXXX, each time selecting 6 or 12 month special financing at checkout. The purchase XX/XX/XXXX accepted this, the purchase XXXX XXXX did not and shows on my statement as equal pay 12 mos. This increases my minimum payments and affecting how prior deferred interest payments are applied. I need the 2 transactions on XX/XX/XXXX for {$53.00} and {$460.00}, and the transaction XX/XX/XXXX for XXXX to be corrected to Deferred Interest with Payment 12 months.
Consumer complaint received 2018-02-24
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. (TX)

For about 3.5 months I have been trying to get incorrect items validated or removed from my account that are reported by the 3 bureaus. I have sent multiple letters only to get that the accounts have been verified and are to remain. They are updating my credit report multiple times per week with these accounts with different dates, as if to cause me to be ruined for questioning such. This is unlawful and needs to be stopped.
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

Please see below. I have huge issues with the handling of my current loan. How do I complain? 


XXXX XXXX, I am reviewing your file right now. It appears XXXX XXXX maintains its handling in this matter is correct and stands by its denial of your claim. You might need to consult with an attorney to discuss the option of legal action if you choose to pursue this matter further. 

With regards to the other concerns outlined in your complaint against XXXX, XXXX maintains its position and states that it has done everything it can with your claim. Further, XXXX advises that it can not compel the mortgage company to release the funds. The Texas Department of Insurance has no jurisdiction over your mortgage company and they are not obligated to respond to any of our correspondence. As such, this issue is now outside the Texas Department of Insurance 's authority. You may consider contacting the Texas Department of Savings and Mortgage Lending.
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (OH)

Received a letter  on  XX/XX/XXXX  from Pe  nnCredit Corporation st ating that I owed {$59.00} for  XXXX  magazines ordered from  XXXX   XXXX   XXXX  on  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . I contacted  XXXX  and after an extensive search they found no orders on my account for any magazines at any time and that my account balance was at  XXXX .  XXXX  sent me an email confirmation stating that my account balance was  XXXX . Contacted PennCredit and they insist that I still owe the money. I will return the letter they sent me along with a copy of the letter that  XXXX  sent me but obviously PennCredit is attempting to defraud me by sending me a false letter of debt collection.
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (GA)

I have a near {$1000.00} XXXX debt which is impossible because Ive had XXXX for a decade and the initial charge came up when I was trying to buy a house and wouldnt have opened any kind of new credit. I began the home buying processing in XXXX and bought a house in XXXX and again I already have had XXXX why would I open a XXXX account and not pay!!?! XXXX was NO HELP!!! Im infuriated nothing about my credit history even lined up with this! My credit was so high nearly XXXX before all of this Im ruined!
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (NM)

I did not receive a bill for my outstanding credit card debt with Wells Fargo. This is hurting my credit score and it is very tough to make payments with the global pandemic happening. I owe them close to XXXX $ and I haven't been able to pay since XX/XX/2020due to financial hardship.
Consumer complaint received 2020-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

I have been harassed by Citibank & XXXX from last six months. It was on XX/XX/2019, there was fraud transaction using my Citibank credit card worth net amount XXXX. I raised the dispute immediately after I received the message with Citibank as well as XXXX. To my surprised even after logging in dispute with Citibank the bank cleared the payment to XXXX through which the fraud was done. 

I had been writing to Citibank at every possible level and the only response it gives is that it was an OTP transaction and it was secured one. I never received any OTP and I had been reinstating on this again and again. 

Please help.The complaint number with Citibank is XXXX XXXX XXXX
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

The balance on my statement does not reflect the balances in the system with JCPenney. My XX/XX/2019 statement reflects a balance of {$2400.00}. The breakdown of my balance that appears on my XX/XX/2019 statement is {$1900.00}. I continuously have problems with the payment application process at JCPenney. Their billing practices are unfair, deceptive, and predatory. I have never been late or missed a payment. I frequently pay more than the required payment. I am willing to provide my billing statements as proof.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found on my credit report. I believe that these items are inaccurate and should be removed from my credit file immediately. 

Firstly, regarding the account with XXXX XXXX XXXX ( Account Number : XXXX ), I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Secondly, with regards to the account with XXXX XXXX ( Account Number : XXXX ), it is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

Thirdly, the account with XXXX XXXXXXXX ( Account Number : XXXX ) has been charged off and should not have any payment history associated with it. Therefore, I request that you delete this account immediately. 

Fourthly, the account with XXXX XXXX ( Account Number : XXXX ) has been removed from the other bureaus ' reports, yet you were still able to verify it. This account is inaccurate, and I request that you delete it immediately from my credit report. 

Fifthly, the account with XXXX XXXX ( Account Number : XXXX ) has been removed from the other bureaus ' reports, yet you were still able to verify it. This account is inaccurate, and I request that you delete it immediately from my credit report. 

Sixthly, I want to bring to your attention that the following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX. This address belongs to someone else, and I request that you delete it from my report immediately. 

Seventhly, the inquiry from XXXX - XXXXXXXX XXXX on XX/XX/XXXX is not authorized, and I do not remember giving permission for this inquiry. Therefore, I request that you remove it from my credit report immediately. 

Eighthly, the inquiry from XXXX - XXXXXXXX XXXX on XX/XX/XXXX is not authorized, and I do not remember giving permission for this inquiry. Therefore, I request that you remove it from my credit report immediately. 

Finally, the inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX is not authorized, and I do not remember giving permission for this inquiry. Therefore, I request that you remove it from my credit report immediately. 

I appreciate your attention to this matter and request that you investigate these items promptly. Please inform me of the actions taken to correct these inaccuracies. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AZ)

On XX/XX/XXXX a refund check was sent to me from XXXX XXXX because I obtained a new homeowners policy with XXXX before the XXXX XXXX policy expired. XXXX XXXX without authorization issued another policy which caused this financial hardship. The COVID19 Pandemic started adversely affecting our home financially, but once it was understood of the mix up we have made every attempt to resolve the matter amicably. XXXX XXXX sent the matter to Credit Collection Services ( CCS ) in the amount of {$1300.00} of which {$99.00} has been paid leaving a balance of {$380.00}. The Pandemic is still affecting out family financially, but have been paying {$120.00} every month and only have 3 more payments of {$120.00} left to pay. Now ( CCS ) has placed a negative account on my credit report to make our families financial situation even worse when we try to recover financially after the Pandemic. The refund is clearly not our error and XXXX XXXX is receiving a direct deposit from me every month. There is also FALSE information on CCS statement XX/XX/XXXX it states we canceled the policy with XXXX XXXX in XXXX that is FALSE because we never requested a new policy
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

I found out my XXXX  child have a credit t with this company and i am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my XXXX child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL
Consumer complaint received 2019-04-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I am a XXXX XXXX XXXX-XXXX XXXX veteran. My property taxes are tax exempt. My mortgage company, Shellpoint Mortgage, who is also New Rez Financial, increase my mortgage from {$1300.00} to {$2500.00}. They claimed that they did not have my documents that show I am tax exempt. I know that is not true because when I bought my home XX/XX/2017, my note was over {$1700.00} per month. After I received my XXXX XXXX VA XXXX rating, I sent my paperwork to XXXX XXXX who applied the exemption to my mortgage. My note dropped {$1300.00}. 

I have sent this new mortgage holder my paperwork again, and they have failed to readjust my note. I have a VA backed note, and I am going to report this to the VA.