davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (RI)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Honda financial account closet still showing open with charged fees after 120 days closet open again put 30 days late payment XXXX frca
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (KY)

-late rental payment ; landlord refused to accept rent -manager states we will only take your money once you move out -forced eviction -finally agreed to a settle offer and paid a reduced amount on or about XX/XX/2020 -neither the credit collection agency or the property management company would update my account status with the rental bureau would list my payment or that the account had reached a settlement offer. 
-I have had the account paid for over a year and it shows no payment as a result nobody in my area will rent to me, thereby leaving me XXXX  and sleeping in my car. 
-in my area if you have an eviction on your rental history nobody will rent to you. 
-this agency has from the time of eviction to the present date has shown an continuing form of housing discrimination and they need to correct my status and be held accountable for their actions.
Consumer complaint received 2021-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (FL)

CFPB Complaint ID XXXX - It is now over 30 days since the company replied to my complaint stating that I would receive validation of the account and I have not received ANYHTING even after sending 4 letters requesting this validation over the span of 90 days. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY REPORTS AS THEY CAN NOT COMPLY WITH MY REQUESTS OF VALIDATION. 


I have sent at least 6 letters to both the Receivables Performance Management ( RPM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX and Receivables Performance Management ( RPM ) XXXX XXXX XXXX XXXXXXXX, WA XXXX addresses over the span of 90 days and haven't ANYTHING back.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Transfer balance payment due XXXX. Deposited {$25.00} payment amount into my personal checking account at XXXX XXXX on XX/XX/27. Next step is to make the online payment to Bank of America for withdrawal from XXXX XXXX account on same day or sometimes within a few days thereafter but several days before due. Upon daily checking of XXXX account on XXXX, I saw that the {$25.00} payment I deposited on XX/XX/27 hadn't been withdrawn 6 days later and the payment was due XXXX. I called BOA to ask why it hadn't been withdrawn. Told by BOA they couldn't see any scheduled payment so I thought I had forgotten to make the online payment. I didn't want to be charged a late fee so the Phone Associate manually drew the {$25.00} payment from my XXXX  account that day to make the BOA payment on time. BOA website, payment noted as " Ext Imm Pymt Transfer '' on XXXX and states on XXXX  website payment withdrawn on XXXX. All was well until today, XXXX, when I checked my XXXX account and was overdrawn by {$25.00}. Evidently I did make the BOA payment on XX/XX/27 but it didn't post until XXXX which would make the payment late now. This time on BOA website says " XXXX BA ELECTRONIC PAYMENT - {$25.00} '' which I had already paid once on XXXX. I called BOA and Phone Associate saw the additional payment that was taken out. They reversed the XXXX {$25.00} payment, however, I was told it could take up to 10 business days for the {$25.00} to be returned to my XXXX  account - in the meantime I was still overdrawn and would be subject to a {$35.00} XXXX overdraft fee if I couldn't come up with {$25.00} from somewhere soon. I was livid! Needless to say I had to " rob XXXX to pay XXXX  '' as the saying goes until BOA refunds my account because of their mistake. What makes me so mad is BOA said " there is no record of a scheduled payment after XX/XX/27 ''. This has happened SEVERAL times before with BOA. I have no problems with any other credit cards having long posting payment issues - just with BOA. BOA needs to seriously REWORK their payment processing system now so this doesn't happen again.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IN)

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX informing me that due to my account being inactive, the account would be closed on XX/XX/ if a purchase hadn't been made by XX/XX/. A few days later I made a purchase with the card to keep it active, however they closed my card on XX/XX/. I reached out to customer service and inquired why they closed my account over a month earlier than the email stated even though I made a purchase, and they said that they closed it because I had gone so long without a purchase and I could reapply if I wanted to open an account. I then informed them that days after the email was sent, which stated that I had until XX/XX/XXXX to make a purchase, I made a purchase. This issue did not get resolved.
Consumer complaint received 2021-09-28
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 (NJ)

XXXX, XXXX AND XXXX CONTINUE TO REPORT CLOSED ACCOUNTS AS OPEN CREDIT DEBT WITH MONTHLY NEGATIVE ACTIVITY AS RECENT AS XX/XX/21 AS BEING LATE. THESE ACCOUNTS HAVE BEEN CLOSED FOR YEARS. Either included in my BANKRUPTCY, AGED OUT or AGING OUT. NOT ONLY ARE THEY REPORTING THESE ACCOUNTS WITH MONTHLY LATE PAYMENTS, THESE ACCOUNTS ALSO SHOW IN MULTIPLE COLLECTIONS. THIS HAS HAD A TREMENDOUS NEGATIVE IMPACT ON MY CREDIT REPORT FOR THE PAST 5-7 years. I HAVE CALLED, WRITTEN, DISPUTED AND PROVIDED DOCUMENTATION AND NOTHING HAS BEEN DONE. Every time I try to resolve the issue it gets worse! I have contacted your department multiple times. I have also contacted the various CREDIT COMPANIES and FILED DISPUTES AND NOTHING IS BEING RESOLVED. CAPITAL ONE CREDIT, XXXX AND ALL XXXX XXXX ACCOUNTS and OTHER CONTINUES TO REPORT MONTHLY WITH HAVING LATE PAYMENTS ON CLOSED ACCOUNTS THAT HAVE NO ACTIVITY OF ANY KIND BECAUSE THEY ARE CLOSED, IN ADDITION TO HAVING THE SAME ACCOUNTS IN COLLECTIONS. DOUBLE NEGATIVE REPORTING ON CLOSED ACCOUNTS. THESE ACCOUNTS HAVE BEEN CLOSED FOR 57 YEARS. THEY SHOULDNT BE REPORTING ANY ACTIVITY IF ANY KIND.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Account Name : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (KS)

XX/XX/XXXX called my elderly father asking questions about me and tried to get my address from him. 

Daily multiple calls to my cell phone. This debt is from XXXX and very old. 

Pandemic and Ive lost everything. I will never fully recover financially from this.
Consumer complaint received 2021-09-07
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: Experian Information Solutions Inc. (GA)

I talked to XXXX  today, they said I could not dispute my hard inquiries. They advised me to speak with the lenders. I would like to dispute my unauthorized.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I deposted a check with Captial One bank online on XX/XX/21. They informed me that the check would be held for 60 days after I made the deposit. I waited the 60 days and the funds were still held. I contacted the bank and they informed me there was a missing endorsement and I would need to have the issuing bank return the check and issue a new one. I called the issure of the check and they said the check cleared their account weeks ago and that because the check has been paid Captial One should not be holding my funds and they would not re-issue a new check or return the paid check I needed to work this out with Captial One. I now can not get Capital One to return my call to settle this matter.
Consumer complaint received 2021-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC (TX)

I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.
Consumer complaint received 2021-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (TX)

A company named Monarch Recovery called my place of employment, this a number I never give out as I work as an XXXX in a XXXX XXXX XXXX XXXX. They asked for the last four numbers of my social security, which I did unfortunately share with them. They stated that I have a large debt of about {$34000.00} from a hospital called XXXX XXXX. I live in Texas and have never been to XXXX, FL. The person apoligized to me and hung up. I then tried to recall and another person tried to ask me the same questions, but when I asked how they accessed my phone number the person hung up on me again.
Consumer complaint received 2021-09-07
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. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-20
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. (FL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;
Consumer complaint received 2021-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2021, I send a international wire transfer to XXXX XXXX  XXXX, XXXX XXXX for {$1600.00} through my checking account with Wells Fargo, For a deposit of a rental on a room in XXXX XXXX XXXX Florida. After no contact with the supposed owner, I opened a fraud with calm on XX/XX/XXXX 17 days after the the wire transfer was sent. I called Wells Fargo again on XX/XX/2021 to check statue on my clam, I was told the clam investigation was still in progress. I called again on XX/XX/2021, got the same answer. I told the Wells Fargo rep to please have someone working on the investigation to contact me, I heard nothing. I received a letter from Wells Faro dated XX/XX/2021 stating they had completed there research, and that too much time had passed before I had contacted Wells Fargo about this fraud. 17 days from the day to the transaction to the claim filed on XX/XX/2021. 
I contacted Well Fargo on XX/XX/2021 at the number I was instructed to call if I had a problem with these findings. I got the usual runaround, transferred numerous times to my call being cut off by an automated system. Wells Fargo did NOTHING to help recover these funds that were transferred through their bank! I believe Wells Fargo believe If they give me the runaround, never answer my calls, numerous inquiries, I will just accept there excuse that I waited to long to report! That is not the case which is absolutely not TRUE! Wells Fargo did nothing to help me or solve this fraud.
Consumer complaint received 2021-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Sent a Request to Validate Medical Debt. I requested two specific things 1. Please provide breakdown of fees including any collection costs and medical charges.

2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. I request full documentation of what you received from the provider of service in connection with this alleged debt.

This Debt Collector failed to answer the three questions listed above. Instead they sent a vague letter stating " ARS has verified this information with our client, and confirmed the outstanding balance of {$3300.00} '' The debt collector failed to provided breakdown of fees, medical services or treatment rendered, mover over they have failed to provide documentation that I gave permission for any medical or financial information to be provided to the current debt collector ( ARS ). 

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. ARS has failed to Validate the Medical Debt. And they are in direct violation of HIPAA laws.
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

US Bank appears to be in violation of the PMI Cancellation Act. An extra principal payment was made on XX/XX/2021 on a mortgage serviced by US Bank to reduce LTV under 78 % on a mortgage originated in XX/XX/2021. I spoke with a representative at US Bank 's PMI department on XX/XX/2021 who reviewed my account and indicated that PMI would be removed from future payments and that no further action would be required, and that a BPO  was not required. This change was not reflected in the payment due XX/XX/2021 as promised. On XX/XX/2021 I spoke with a US Bank customer service representative who indicated that the original request for PMI to be removed was denied on XX/XX/2021. I was not informed of this decision and received no explanation - after being explicitly told that PMI had been removed in the previous phone call. On XX/XX/2021 I spoke with a customer service representative who initially claimed that the request was denied because I was required to pay for a Broker Price Opinion ( BPO ) before PMI could be removed, in direct contradiction to the promise made on XX/XX/2021 - on a loan with LTV less than 78 % that originated less than 5 months before the request was made to remove PMI on XX/XX/2021... but then said, again, after reviewing my account, that any requirement for a BPO was waived and not required to have PMI removed and that no further action was needed on my part, and that PMI would be removed immediately. US Bank failed to follow through and remove PMI upon my original request on XX/XX/2021 after asserting that a BPO was not required, which I believe is a violation of the PMI Cancellation Act. In another call, a representative ( whose employee ID is available on request ) then indicated on XX/XX/2021 that PMI would be removed without the requirement for a BPO, and that the removal of PMI would be reflected in the next statement. I am documenting this failure to remove PMI when all legal requirements were met, and to verify that US Bank twice indicated that a BPO was not necessary after reviewing my account, and seeking confirmation that the failure to remove PMI after receiving verbal notification that it would be removed constitutes a violation of the PMI Cancellation Act.
Consumer complaint received 2021-09-07
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. (PA)

In XXXX XXXX  I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX class at XXXX XXXX XXXX. It was with XXXX & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my EQUIFAX & XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF ED/XXXX XXXX was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX  accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a XXXX.
Consumer complaint received 2021-08-20
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: Self Financial Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-09-07
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP (KY)

On XXXX I deposited a cashiers check for {$20000.00} for an engagement ring. I was not notified until after the transaction that the funds would be under two separate holds. I would be allowed {$5300.00} to be released on XXXX and the remainder to be released on XX/XX/15. When I called and spoke with the representative on XXXX XXXX XXXX at US bank on XXXX XXXX, XXXX Kentucky branch number XXXX. She informed me that despite it being a guaranteed check the two separate holds were standard procedure when I reached out to my loan officer with the news, she assured me this was inaccurate. She then called the bank on my behalf to verify her position with the bank and provide any credentials needed. XXXX XXXX continued to say that this was standard procedure even given the proof that the financial institution guaranteed the deposit. I have since been promised a call from the branch manager, however when I call. My calls are denied unless I call from a number not attached to me. I have reason to believe this is extremely unnecessary in this situation and would appreciate any help available. Thank you.