davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I was in forbearance with LakeView XXXX XXXX  due to the pandemic. I was able to get back on track and stated that I was ready to stop the forbearance further. 

This was supposed to be stopped in XXXX for a total of 6 months, but they decided to extend this to XXXX. A monthly payment of XXXX to the lean and instead of it being XXXX, they included the additonal two months which increased the amount in the lean to XXXX. 

I accepted the partial claim and this is why the lean was created. What happens is FHA/HUD pays the lender this amount and then the amount is set into a leaned account. I was told by FHA that it was supposed to stay with the same lender, but XXXX decided to put this to a completely different provider which is not allowed in the cares act. 

What the results of what happened are as follows : Im rounding down so the figures are easy to understand. 
my origination loan amount was XXXX currently my principal is at XXXX because the months I paid went straight to principal. ( Even though they stated to start paying in XXXX and not XXXX ) XXXX put XXXX against a lean, which is fine. 
But, what about the XXXX that XXXX got from FHA/HUD? 
Where did that money go? Sure didnt go to my principal or account. 

I should not have a total principal amount due that is greater than what my loan origination started with in 2019. 

Now the total amount that I owe is XXXX I called FHA, and the example they provided is if you have XXXX in principal due. You go on forbearance for 6 months at XXXX per month. Then once the partial claim is processed, an amount of XXXX will be in principal, and XXXX in the lean. 

This makes sense as the origination of the loan did not go up. But this is not what XXXX  is doing. Since they did this to me, then I know they are taking advantage of other customers that had no choice but to get help during this pandemic. 

The cares act was not designed for people to owe more money than what they agreed to loan for the purchase of the loan. They did not move money from one account and then put that amount in the other. They did a debit on my principal when it should have been a credit. 

Additionally, in the payments made, shows my principal in the payment section to be XXXX. Yet, the statement shows XXXX. This is completely conflicting and further proof that XXXX is not properly handling partial claims or something else is happening with the money that they are given from FHA/HUD. 

Lastly, I have requested XXXX management to call me on four separate occasions. I have yet to hear from them. Then, the last time I called, I was finally able to get someone to understand the scope of this who stated " this is not right ''. She then messaged her manager who replied to her who then told me " our hands are tied and we can not do anything for him, and the only way to resolve this would be to file a complaint. ''
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

I am a victim of ID Theft with Synchrony Bank / PayPal Credit. I have submitted a police report and other information to verify my identity and they are refusing to close this as fraud. Every time I call Synchrony Bank / PayPal Credit to get a status update they keep giving me false information and making up excuses as to why they aren't closing this as fraud. I most recently called them on XX/XX/2021 and this time I was told by XXXX that they didn't get the documents I sent them back in XX/XX/2021, so that is why the fraud claim was denied. I am frustrated with this Bank, they don't listen and they don't understand fraud/ID Theft. This account was not opened by me and Synchrony Bank XXXX PayPal Credit needs to rectify this situation.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I went to visit the XXXX XXXX  about 3 times. The 2nd time I went to the XXXX  I was told I needed to fill out an application and I did. And she assured me they would not run my credit until I was ready to move forward. After I viewed the apartment she called me and said that I owed them {$35.00}. I didn't understand why she said that cause I was not ready to move yet. It was probably a month latter when I went back for the 3rd time. My girl friend went and spoke with the same property agent looked at 2 different places at the property and called to tell me to go look before making my final decision. I called and spoke to the same property agent who told me she would show me the property as long as I paid the {$35.00}. I went and I spoke to the agent gave her the {$35.00} money order. and then she said I still owed {$75.00}. I needed to pay that before viewing the apartment I told her I was not paying that because I was not ready to move there. Then she told me that if I didn't pay it they would send me to collections. I told her I haven't said I was ready to move in or even submitted a full application neither have I given you the go ahead to run my credit. They have not ran my credit but they sent me to collections with all 3 burrows which has affected my credit score. I found out cause I had to buy a car last week and the rate was hire because of the collection
Consumer complaint received 2021-10-21
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: SYNCHRONY FINANCIAL (TN)

I have disputed this account that appears on my XXXX and XXXX credit file with SYNCB/BP multiple times. Each time they respond that the account is being reported accurately across multiple credit bureaus which is totally incorrect. Some details : XXXX I disputed I was never late on this account and they in turn Updated Paymt History, Modified Add'l Info, Scheduled Paymt, Last Activity, Acct History. 
XX/XX/23 I again disputed and they in turn Modified Add'l Info, Actual Paymt, Scheduled Paymt. 

I have since noticed the payment is being reported as Late 60 Days across a variety of sources and listed as Variable/Adjustable Rate in comments which is incorrect. Account type listed as " revolving '' on one and " charge card '' on another.

It is not my job as a consumer to find this companies errors. 

I have disputed this account multiple times with all three credit bureaus and they have failed in correcting the erroneous information. Since they continue to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, as a military service member I demand deletion of this account as this violates Fair Credit Reporting Act, FCRA section 611 and FCRA section 1681. Request your assistance in ensuring this action takes place. Thanks.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have reached out to this company in which they have assured me that they no longer have this account. I have paid the original creditor in full, therefor the following account is not owed. 

XXXX XXXX. Account # XXXX
Consumer complaint received 2022-10-29
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. (NY)

XX/XX/2019, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 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 According to 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 2021-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 over 60 days ago I mailed a letter to this debt collector that showed on my consumer report due to identity theft. I have tried to resolve this matter by mailing in the necessary paperwork but my request are being ignored. Under FCRA it stated that request would be done within 30 days this is well past that time and my patience.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (TX)

To Whom It May Concern, I am writing to file a formal complaint regarding my experience with Credit Karma Money Spend Account. I have encountered several issues with my account, which have not been resolved despite multiple attempts to rectify the situation.

1. Locked Out of Account : On XX/XX/2024, I was locked out of my Credit Karma Money Spend Account without any prior notice or explanation. Upon attempting to regain access, I received a message stating that multiple incorrect codes had been entered and to wait before trying again. Despite waiting for more than 48 hours as instructed, I am still unable to access my account.

2. Inability to Conduct Instant Transfers : Additionally, I have encountered difficulties in conducting instant transfers for funds from my Credit Karma Money Spend Account. This has caused inconvenience and has restricted my ability to manage my finances effectively. 
3. Unable to Access Virtual Card Information : Furthermore, I have been unable to access essential information regarding my virtual card, which is necessary for online transactions and other financial activities. This lack of access has hindered my ability to use my account efficiently. 

I have made numerous attempts to contact Credit Karma Moneys customer support team to resolve these issues, but I have not received satisfactory assistance or resolution. These ongoing problems have caused significant frustration and inconvenience, and I believe they constitute a violation of consumer rights.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (LA)

XXXX XXXX I pulled my credit report and noticed it had a collection account from national credit adjusters for an amount of XXXX. The report says the account was made on XX/XX/XXXX. I wrote a dispute letter to the 3 bureaus stating that it had to be the result of identity theft and sent in the ftc identity theft report as well. On XX/XX/XXXX I received a call from XXXX with national credit adjusters threaten me to verify myself asking me personal questions and went as far as telling me someones social security number which I know is illegal. He said the debt was from XX/XX/XXXX. I told him I never heard of XXXX XXXX and never applied for an account with them and he went on and on. I told him to cease all contact to me because they had the wrong person. On XX/XX/XXXX I received another call from the same number and when I instructed the call was being recorded and I told XXXX yesterday to cease and desist contacting me they cursed me out and hung up in my face. On XX/XX/XXXX I received a letter from the company providing a contract between them and someone else with that persons bank information ( XXXX XXXX ) on the contract and I think that has to be illegal when I specifically told them they had the wrong person already.
Consumer complaint received 2021-10-21
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. (CA)

I have try fixing this problem but I have had no luck. Back in XXXX I submitted disputes with all three bureaus. XXXX did their job the two other have not. The dispute that is still on my report is XXXX XXXX XXXX XXXX. This is over 7 years old and needs to be remove from my report. I was under the impression that they automatically come off in 7 years was not aware that I would have to fight so much to have this remove. Not only did I send one but I sent two and still nothing is done. I hoping you can help me this and get this item remove.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX and XXXX Credit Bureau is reporting inaccurate information on CONVERGENT OUTSOURCING. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC (NY)

I contacted Harvard Collection, the collection agency that took over the XXXX account number XXXX, on XX/XX/XXXX via phone number ( XXXX ) XXXX ) upon becoming aware that I had a derogatory report on my credit. I explained to the representative that they were pursuing me wrongfully as I was XXXX between XX/XX/XXXX and was not release by the XXXX XXXX XXXX until XX/XX/XXXX. I agreed to settle the bill, nevertheless, for approximately half the amount of {$1900.00} ... that is {$970.00}. As part of the settlement, Harvard Collections would provide the satisfaction to the credit reporting company. The payment was to be paid in 3 parts of XXXX on XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX by auto pay from my chase checking account. 

On XX/XX/XXXX, I decided to call Harvard Collections to inquiry whether the satisfaction has been sent to the collection agency as agreed, but to my dismay I was told that i did not fulfilled the parameters of the agreement. They said, specifically that the XX/XX/XXXX auto pay from my chase checking account payment was not made. 
In addition, the representative said agreement made on XX/XX/XXXX was longer valid, and I would need to make a new deal that would consist of me paying over {$600.00} ... more than {$300.00} more than we had agreed upon. 
I immediately called XXXX and asked if an attempt was made from Harvard Collection on XX/XX/XXXX to withdraw the the XXXX, and if the payment was rejected for some reason. XXXX confirmed that the account was in good standing on XX/XX/XXXX and continue to be in good standing. 

My contention is that Harvard purposely and deceptively did not submit the final payment in order to claim a violation of the terms of our agreement and renege on the deal in attempt to extract more funds. 

I am hereby appealing to your agency to encourage Harvard Collections to comply with our original agreement. It is an atrocity that Harvard Collections would take such an underhanded route given the conditions that we as a society are living in -- we are going through a pandemic, and people can no longer claim ignorance to the struggles ex-prisoners go through in order to rebuild their lives.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX
Consumer complaint received 2019-09-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery has consistently reported that I owe them {$2300.00} to the credit bureaus. I have disputed them multiple times and asked for validation and they only send a copy of a bill. That isnt considered validation of debt. This has been ongoing since 2016.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On Tuesday XX/XX/2021, I received a text message claiming to be from Wells Fargo saying that there was a fraudulent transaction on my account at a XXXX. It said to text back yes or no if I approve this transaction, so I texted back no. Then I received a phone call from a number that is a wells fargo branch in XXXX XXXX, fl, and they knew my name, username and other personal information and asked me about this fraud transaction. In the past I have received fraud alerts from Wells Fargo. They also said there was a pending wire transfer, and I said no it was not me. They proceeded to gain access to my online account by sending me codes to my phone and having me read them to them to verify my identity to reset my password. These codes were sent by Wells Fargo. After that, they added a fraudulent email address to my account and somehow proceeded to make this {$5600.00} wire transfer without my knowledge or prior notification. That afternoon I noticed the funds were gone from my account, and then proceeded to call the wells fargo fraud claim line to open a claim and to explain what happened. They told me to go into the local branch as soon as possible to prove my identity. It was after XXXX on Tuesday so it was closed but I went first thing on Wednesday XX/XX/2021 and I talked to the banker about what happened. She ensured me this fraudulent transaction would be taken care of and I would get my money back. The banker and I called the fraud claim to ensure this was escalated and to reset my username and passwords. I left feeling better about the situation. 
I proceeded to call the fraud claims line of wells fargo and I finally got an update on Thursday XX/XX/2021. They said my claim was denied because the scammer had they information they needed to approve this wire transfer and since it was wired the money is gone. They recommended I go to the authorities and theres nothing else they can do.
Consumer complaint received 2019-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted Transunion several times by phone in the past 6 months but whenever I call I am transferred to a vm. I am told that my file is being handled in a certain department because I am a victim of ID Theft. With that said, I never receive a call back and the fraudulent items remain on my credit. 

I had received an alert about two accounts from the same company that had been placed on my credit. I contacted the company and sent them a copy of my police report and they said they closed the account and could tell it was fraudulent. Transunion still reports the accounts on my credit as closed as well as two other accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiry XXXX XXXX
Consumer complaint received 2021-10-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

In or about XXXX 2015 I had lost my job and was unable to make my Mortgage payments, that were roughly $ XXXXFor ten months I wasn't able to pay so I applied for a home retention loan and was approved by ( Housing and Urban Development ) .As I mentioned earlier I fell behind 10 payments.H.U.D agreed to bring my mortgage current which should've been no more than {$18000.00} since the loan was interest free.Lakeview Mortgage Company some how came up with the conclusion that I had to pay over {$62000.00} to satisfy a Partial Loan Claim.I need to know how this number ( {$62000.00} ) was come to.I never signed any documents with that amount.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have sent out plenty of letters and emails to companies requesting information to be removed and updated yet no one has done anything. I have also tried to work with these companies myself to come to some sort of resolution to no avail! These things are interfering with my ability to move forward and its really frustrating! I have been irresponsible before as we all have but I really want them to correct these issues and let me go about my life!