davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Allied Collection Services, Inc. (Nevada) (NV)

I have spoken to the company on a few occasions in regards to the one account that was supposedly billed to me by the XXXX XXXXXXXX XXXX I wrote a letter to them sent it certified and return receipt request asking that they provide me with the documents from the original creditor showing my signature and proving that I had accepted the debt because I have never been to the hospital that is requesting payment and therefore the account is fraudulent. I received a paper back with what is very obviously a forged signature. I called the company asked for a manager and explained to the manager that if they compare the signature to the signature on my ID you can clearly see that they do not match at all. I was told by the manager it looks like your signature to me and then was hung up on. After that I then sent another letter requesting the same that I had requested in the first letter and I received a contract that had nothing to do with the XXXX XXXXXXXX XXXX  that I was requesting it was a contract from XXXX XXXX XXXX XXXX  and they were claiming that the account was unpaid and I owed in the amount of {$5200.00}. The original debt was {$1500.00} and was paid in full by cash two days following the signing of the contract. How this collection agency has any knowledge of this account is beyond me as this account was never late or owed it was paid in full two days after signing it which is how the person was bailed from jail. At this point Im not sure what they are trying to accomplish but I am being lied to every time Im in contact with them and they are playing games and I believe their actions are illegal. I also believe that the manager may have been the one who forged my signature on the paperwork of the XXXX XXXX XXXX  I have provided to this company on a couple different occasions proof of my being a victim of identity fraud and still they ignore anything I provide to them. The account from that hospital has actually been removed from my account before and then added back on. It is on all three reports and is seriously negatively affecting my score and I feel helpless at this point against them. They have also added the made up bail bonds account to my husbands account. Any help with this would be greatly appreciated as I believe Ive tried everything within my ability to get them to correct these things and they are clearly not playing by any rules.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXBalance : {$1400.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-12
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. (CA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3100.00} ), XXXX ( XXXX XX/XX/XXXX, Credit limit {$3100.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX, Credit limit {$2500.00} ), XXXX XXXX  ( Opened XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$2500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-03-03
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. (CT)

In accordance with the Fair Credit Reporting act. The Listed Account below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681 US DEPT OF EDXXXX XXXX Account Number XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$12.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX : {$230.00} XXXX  XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original XXXX : XXXX ) XXXX : {$230.00}
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I submitted my PSLF for my yearly submission early XX/XX/XXXX through Fedloans, I received an update on my qualifying payments on XX/XX/XXXX. I did not hear back from fedloans about qualifying payments updates until XX/XX/XXXX. But this was not a completed process and no other information was provided by fedloans about my PSLF. I was then notified on XX/XX/XXXX about transferring to new service provider ( MOHELA ) and then a partial update on PSLF status was received on XX/XX/XXXX but still not a complete process. Between XX/XX/XXXX and XX/XX/XXXX the transfer process had started from fedloans to MOHELA. I was able to access the portal for MOHELA and it showed that my PSLF was processed on XX/XX/XXXX but all payments were not updated for PSLF. I then waited as it stated my app was pending at that time and then updated to processed but try count did not reflect accurate numbers. I emailed, on XX/XX/XXXX, MOHELA for the status of this and they stated ( on XX/XX/XXXX, in a long email ) Thank you for contacting MOHELA, We apologize for any confusion. MOHELA is currently in the process of updating payment counts under the limited PSLF waiver. Therefore, your payment counts may not reflect the actual count until all of the updates are complete. Which has been confusing and frustrating since there has not been any other updates or progress with my account. I would like for this to be resolved as soon as possible.
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Acceptance is reporting an inaccurate negative autoload on my credit reports that I have been disputing with them for quite some time. Credit Acceptance is verifying inconsistent and inaccurate information regarding this debt. 

This account is being verified that there is a monthly payment of {$0.00}, however there are multiple late payments reporting. How can they report this account late if there is no monthly payment due? 

They are also verifying inconsistent last payment and activity dates with each bureau. It is illegal for a consumer reporting agency to verify and report inaccurate information on a consumers report. 

Their inaccurate reporting has caused me to get denied and a lot of distress as I have been disputing this inaccurate account and I am not able to get any resolution when they are clearly in violation of the FCRA. I am demanding that this account is deleted from my reports now!
Consumer complaint received 2023-03-03
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: CLGF Holdco 1, LLC (CA)

someone applied for a feb destiny card and it got approved and they maxed out the card and went over credit limit. We called company they wouldnt give us an address where they mailed it, and they said our address didnt match. Looks like this company ran my credit on XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

HI, my name is XXXX XXXX, dob XX/XX/1956. 
I rented a car from XXXX rent a car from XXXX The rent was {$750.00}, rental agreement XXXX. I used my Wells Fargo Credit card, and I had like {$2000.00} available credit limit on my card. Before the rental was closed, Wells Fargo decreased my credit limit from {$4500.00} to {$2500.00}, so when the rental agreement was closed I went with {$600.00} over my credit limit. Wells Fargo also demands to pay in full the {$600.00} over my credit limit. This puts me in financial burden and hurts my credit score. 
I called Wells Fargo Bank and tried to solve the situation without success. I was told, nothing they can do. 
When acting so, Wells Fargo should take in consideration outstanding preauthorized charges, so those outstanding charges wont bring my account over limit. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My sons and I all had accounts under my name at Bank of America. XXXX XXXX had his account for some years with no issues. XXXX # XXXX, XXXX XXXX XXXX, had his account for a few months and reported his ATM card as missing/lost, and a replacement was being sent. In the interim, I noted activity in the account BOA was notified, and the account was to be closed. Despite the request to close the account BOA continued to allow transactions to occur. There were multiple transactions that were being disputed and investigated, but none of the claims involved a return of funds. The last letter stated they believed I made the transactions. Note a police report was opened related to these items as well. 
XXXX dollar charge to XXXX XXXX XXXX XXXX XXXX XXXX ( This is a utility bill of which they should be able to find out whose account benefited from this payment ). There was a check deposited for the amount of {$1800.00} in the name of someone not connected to the account but not questioned and somehow cased out of a teen account. There was a {$300.00} atm withdrawal, and 2 XXXX XXXX XXXX 1 for {$150.00} and 1 for {$200.00}. 
The biggest question/issue is Bank of America closed XXXX # XXXX account as they should have given the fraudulent activity that was occurring but moved the negative balance to son # XXXX account rendering his account negative and removing all access he had to his funds and still has not returned and continues to be at a negative balance as we try to figure this all out. It has been nearly impossible to speak with anyone at Bank of America regarding this incident, and not this is an account that I have had open and in good standing for over 25 years.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd (TX)

XXXX XXXX has closed my account by saying that this account is risky and held my funds by saying that you are a victim of fraud, I completely agree with everything. 

I just want my money to be released by the company to me as a cashier check to my address. 

they have no rights to held my fund for so long, If company doesn't release my funds, please help me to file a legal complaint against the company and take my funds back. 

They are stealing people money by closing the account and saying you could be a victim of fraud. 

If i am a victim of fraud, who gave you right to kept my money, you are the one who did fruad with me.
Consumer complaint received 2020-05-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AP)

My husband and I have a home mortgage that is serviced by Loancare. Our mortgage payments are automatically drafted, so we are up to date and our loan is in good standing. The problem is, for the past month, we have been trying to make a large principal payment to our account. I have not received a statement ( which includes the payment stub for additional principal payments ) from Loancare since XXXX ( almost 2 months ). I tried paying on their website, but their server has been unavailable for over a month. Every link associated with www.myloancare.com comes up as " server unavailable. '' I've tried accessing the website on different devices, different browsers, and different times of day in case it was due to high web traffic. Always the same results : " Server unavailable. '' I've tried reaching them via phone with the same results. I'm sent in circles by the automated phone system, kept on hold for 6 hours or more, then the line disconnects. 

I believe Loancare has an obligation ( both legal and ethical ) to be available to their borrowers. I'm glad I have auto-draft on my regular payments, but I have the right ( and should have the ability ) to make additional payments on my mortgage any time I choose. I can't imagine how infuriating this must be for people who are behind on their loans and Loancare is making it impossible for them to pay. The company seems to have abandoned all pretense of customer service, or even providing reasonable means for borrowers to make payments.
Consumer complaint received 2023-01-12
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: Frontline Asset Strategies, LLC (TX)

I am a consumer, and I am fully aware that Frontline Assett Strategies has violated my protected rights by furnishing an inaccurate account to Consumer Reporting Agencies without my explicit consent. As of XX/XX/2022 I have noticed that Frontline Assett Strategies began furnishing a consumer report on my behalf claiming that I allegedly owe Frontline Assett Strategies {$2600.00} which has caused a significant decrease on my consumer report. I have never provided Frontline Assett Strategies any written instructions to furnish anything on my behalf, I have never given Frontline Assett Strategies consent to share my non public personal information, nor have I ever received any initial communication from Frontline Assett Strategies which covers the requirements of 15 USC 1692g. As a result of it trespassing upon my protected rights, I have been significantly damaged as my character has been defamed and my XXXX XXXX has decreased which is causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as I am unable to receive housing due to the decrease in my XXXX XXXX!
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (WA)

THIS IS A MONKEY SEE MONKEY DO LIE BECAUSE XXXX DELETED/REMOVED THIS ACCOUNT, AND SO DID XXXX RECENTLY IN 30 DAYS BECAUSE WHEN I DISPUTED THIS ON MY XXXX CREDIT REPORT. XXXX XXXX XXXX OVER WHERE THIS WAS PUT IN COLLECTIONS IN ALL THREE CREDIT BUREAUS WHO HAD TO FIGHT, DISPUTE GRIEVIOUSLY TO GET THIS REMOVED/DELETED. I AM SAYING THUS TELLING, THAT THIS ITEM NEEDS TO NOW BE PERMANENTLY REMOVED FROM MY XXXX CREDIT REPORT ESPECIALLY ON THE COLLECTIONS SIDE FOREVER. THE ACCOUNT IS TOO OLD FOR ONE WHERE ALL IT DID WAS RUIN MY CREDIT SCORE OF XXXX XXXX XXXX XXXX FROM XXXX, AND XXXX XXXX WHO GIVES OUT YOUR FREE SCORES RELATING TO XXXX, AND XXXX. XXXX XXXX REMOVED XXXX POINTS, AND XXXX POINTS OFF MY CREDIT REPORT DUE TO THESE COLLECTIONS, AND NOW THEY ARE DELETED/REMOVED FROM THOSE CREDIT REPORTS, AND NOW XXXX NEEDS TO REMOVED THIS INACCURATE DEPICTION OF AN ACCOUNT OFF MY CREDIT REPORT BECAUSE ONCE AGAIN ALL MY XXXX LOANS IS PAYS AS AGREED, AND WITH ONE PAST CREDIT CARD & STORE CREDIT CARD , WHICH HAS A XXXX BALANCE ON THEM. NOW I HAVE A FREAKING XXXX ON XXXX LOSING XXXX PLUS POINTS OR MORE WHERE MY BANK SAID MY XXXX WAS AT XXXX XXXX XXXX, AND NOW BETWEEN XXXX, AND XXXX I GOT A XXXX, AND A XXXX, WHICH IS A BUNCH OF XXXX WHERE ALL MY CREDIT SCORES SHOULD BE WELL OVER 700 PLUS. 


XXXX Total balance : {$450.00} LVNV FUNDING LLC Original creditor XXXX XXXX XXXX XXXX XXXX  Balance {$450.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late dates from this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (RI)

I deposited XXXX in cash to my bank account on the ATM at XXXX XXXX XXXX XXXX, XXXX Rhode Island. The machine processed the money as always but after getting my money inside the machine just kept the door where it received my money open gave me a receipt without any amount. I complained to the bank representative, which came and saw the machine open and gave a 1800 number to call. For the last two days I spoke with two different reps and no solution is given. My account came overdrawn as result of this situation and I can not pay my bills. 
Chase Claim Reference # XXXX
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with an account listed under Portfolio Recovery Associates , LLC and validation was requested on XX/XX/2022 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from the creditor to validate this account is correctly belonging to me. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account legally and the account continues to negatively affect me. Also, XXXX is reporting a different account number form the other two credit reporting agencies. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (PA)

I received notice that the collection agency received a document for an old lease I cosigner back in XXXX. I was removed from the lease as of XX/XX/XXXX when a new company took ownership of the property. The collection agency has all of the supporting documents as well as a statement from the property manager and they still refuse to remove me from the collection. The property manager keeps sending the paperwork and the collection agency keeps saying they " never received it ''.