davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XX/XX/XXXX, I signed an FHA COVID-19 Modification for pandemic relief, that included attorney fees {$47000.00}, On XX/XX/XXXX, XXXX, cease sending me monthly statement to accurately reflect current balance, or payment history. On XX/XX/XXXX, I begin to receive a monthly, statement from Lakeview who is also a servicer of the loan for an amount of {$13000.00} indicating mortgage payment indicating that in the Delinquency Notice section that " you are late on your mortgage payments '' failure to bring the loan current may result in fees and foreclosure, with the possibility of losing your as of XX/XX/XXXX, you are 45 days delinquent on you mortgage loan. When I called on XX/XX/XXXX spoke with XXXX agent # XXXX and ask why they are sending me late notice when my account is current with XXXX I was told lakeview is collecting attorney fees and corporate fees and attempting to foreclosure on my home if I do not request another covid-modification. In addition, to filing this complaint XXXX, indicated on XX/XX/XXXX, in complaint XXXX to the CFPB the total amount to be paid included fees and charges to the CFBP but is unwilling to make the FHA Covid-19 Correction as stated in their XX/XX/XXXX, letter of response causing CFPB to close the account.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. The last company is listed as Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.
Consumer complaint received 2021-10-01
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: Experian Information Solutions Inc. (NY)

The following accounts are being incorrectly reported to belonging to me XXXX {$220.00} Charge off XXXX {$500.00} Charge off Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed. These accounts are fraudulent and must be the result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.
Consumer complaint received 2021-10-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XX/XX/2020 XXXX XXXX and Mazda Financial Services presented me with a false and deceptive piece of documentary evidence presenting itself as a Consumer credit transaction. I proceeded with the transaction only to find fraud committed against and my Consumer rights violated pursuant to the Truth In Lending Act, Fair Debt Collection Practices Act, Fair Credit Reporting Act & the Equal Credit Opportunity Act.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (VA)

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, and XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish my rights account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, they made a purchase with my capital one credit card for XXXX dollars, i recieved the notification through this bank app and immediately called to report the fraud. the bank said they were going to investigate.On the XXXX aat XXXX am i received XXXX notifications, the first that they have finished teh investigation and that i was not responsible for that, the second one said that im responsible for that charge. i called an i fight, its not fair, i have been with good credit for 5 years, making my payments on time, never late and they just not investigate like they supposed to do, they are liying to their clients with the XXXX dollars fraud responsibility.
Consumer complaint received 2021-10-01
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: Experian Information Solutions Inc. (PA)

I have asked for proof of debt from all three companies and it has been almost four months and I have not received any response. I have already informed them that they are violating my rights by reporting false accounts. I feel like I am being taken advantage of and I feel like the bureaus have knowing allowed these violations to go unfixed.

FDCPA section 807 violation misleading information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00}
Consumer complaint received 2021-10-01
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: ACIMA CREDIT, LLC (TN)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Please remove this account pronto.
Consumer complaint received 2021-10-01
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. (PA)

I have asked for proof of debt from all three companies and it has been almost four months and I have not received any response. I have already informed them that they are violating my rights by reporting false accounts. I feel like I am being taken advantage of and I feel like the bureaus have knowing allowed these violations to go unfixed. 

FDCPA section 807 violation misleading information Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00}
Consumer complaint received 2021-10-01
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)

I have asked for proof of debt from all three companies and it has been almost four months and I have not received any response. I have already informed them that they are violating my rights by reporting false accounts. I feel like I am being taken advantage of and I feel like the bureaus have knowing allowed these violations to go unfixed. 

FDCPA section 807 violation misleading information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00}
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

On XX/XX/1921 I paid my XXXX account in full. To a XXXX balance. I just realized that XXXX has now charged me two {$1.00} interest charges on a XXXX  balance and these charges have now caused me 2 late payments of XXXX so my balance is now XXXX on an account I paid in full. And its reporting late to ky credit I called XXXX told me because my payment didnt post till the XXXX there were interest charges. Offered to waive one but woupd not waive them both and correct my credit. I have closed my account but feel like I should not owe anything
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Heartland Resolution Group, LLC (TX)

I received a letter from Heartland Resolution Group on XX/XX/XXXX intending to collect a debt that was already charged of as the original date of service was XX/XX/XXXX. I then started to receive calls from XXXX that lead to them. I called back and spoke to XXXX and I told her that I would be filling a complaint. I specifically asked not to contact me any longer. I just had to block the number as they called again after asking them not to do it. It seems like they're buying old charged off accounts that surpass the seven year mark and trying to submit it as new. The information on this letter is the account number they assigned of XXXX with an original account of XXXX. The original creditor is TX XXXX XXXX and date of service was XX/XX/XXXX. The letter stated that they purchased the account from XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-10-01
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. (MD)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2022-05-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (IL)

Items that were not on the initial loan estimate were subsequently added to following closing cost details and settlement statements. The services and amounts charged kept changing and I was denied the opportunity to fill out my own loan application for an amount that would include repairs and upgrades. I was charged for items that should have been covered by the seller or lender and told the sellers credit was being applied to those fees, despite the addendum stating that credit was for repairs left unfinished by the sellers. The closing cost continued to changed and there are false charges to the Broker and a Pest company for septic/sewer/trash services. I was charged multiple times for the same taxes and recording services. I was never refunded or credited my earnest money deposit and my principal and interest payment change on the payment schedule despite having a fixed rate. When I questioned these things I was told by my mortgage officer that the VA required these changes or they wouldnt approve the loan. The closing package does not have all the documentation regarding fees paid, invoices for services, or even my credit reports. Im addition the deed states SINGLE WOMAN by my name. I brought these concerns to my agent, the title company, and my loan officer to no avail. I will upload all the documentation I have detailing my complaint.
Consumer complaint received 2022-05-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # 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.
Consumer complaint received 2024-01-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: American Credit Acceptance, LLC (IL)

XX/XX/XXXX my car was repossessed from my gated driveway. In the middle of the night I heard the tow truck and when I went outside he was trying to tow my car, I firmly objected to the repossession in person. He then proceeded to still take my vehicle out of my gated driveway, he hit another vehicle and the gate as he continued to tow the car. On another instance, the tow driver said that we can do this the easy way or the hard way. This is a direct breach of peace committed on multiple occasions by this company and by the recovery companies that they hired. 

See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2021-12-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft XXXX  of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (AZ)

I received a letter today from XXXX XXXX , XXXX threatening me if I do not notify them in writing within 30 days to dispute this debit they will assume the debit is valid and they will proceed with a judgement against me and take legal action against me for the disputed amount owed. I do not recognize this debit or is Beyond the Statue of Limitations. I have sent them a formal letter of dispute & to cease all contact with me in regards too. This disputed debit does not appear on any of my credit reports as being in a collection status.
Consumer complaint received 2021-12-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

My student loans are through the federal government and I was assigned the company, Aidvantage. I have set up Autopayment with them to take out the full amount of my student loan payment every month on the XXXX. I keep receiving letters that I'm missing payments and have payments past due from the XXXX XXXX XXXX. Checking with them, it currently says my payment went through on the the XXXX and it also says my payments are past due for the XXXX. Talking with them these are their responses : " If the due day falls on a weekend or holiday, payments will be effective on the due date but may not post on the account until the next business day. '' They also said " It looked like last month was a different scenario. I saw that last month 's payment was reversed and then resubmitted. '' My bank account is accurate, and works perfectly on other websites, my autopay is current and accurate. When I asked why this keeps happening the response was " General that happens when your bank is unable to locate your account, based on the account number provided. I see that this same thing has been happening since XXXX. '' I explained all of the things I were accurate and work perfectly on all other sites. My conversation was terminated. I fear in the future my standing with my loans will be effected and I may not be eligible for student loan forgiveness despite paying all my loans in a timely manner. Thanks
Consumer complaint received 2022-05-26
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: WAKEFIELD & ASSOCIATES, INC. (FL)

My name isXXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-05-26
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. (AZ)

In accordance with the fair credit reporting act. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 




15 U.S.C 1681 section 602 A. States I have a 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
Consumer complaint received 2021-10-01
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. (TX)

The XXXX XXXX XXXX is reporting two late payments back in XXXX and XXXX of 2020 which is incorrect. I received an alert from a credit monitoring service that a late payment was reported. I immediately contacted customer service and inquired why they reported a late payment and I was told they had placed an annual fee on my account and I had not paid it. I explained to the representative that account was closed and that I did not even have an active credit card on that account because it was closed months before. The annual fee and late fees were removed from the account and the account was closed again. I asked if they would correct the late reporting on my credit report and she said she couldn't because I was late. I asked how I could be late for something I did not owe and that was removed from my account bringing my account to a XXXX  balance. I reported to the credit bureau and I believe I was retaliated against because they changed the late reporting from thirty days to sixty days. The facts are this account was with XXXX XXXX  and I closed it The XXXX  XXXX XXXX  placed a annual fee plus late fees when it went unpaid. I contacted them they removed all the fees but refused to update my credit report.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (FL)

XXXX Account with BMO Harris Bank was fraudulently opened online w/o my consent XXXX Upon discovery of the fraud, I filed with Identitytheft.gov and placed a Security freeze with XXXX. I contacted the credit bureaus. I provided to BMO Harris a Notice to Furnisher, as well as a copy of the FTC Identity Theft Report informing them of the fraud. They were also notified by phone and promised to close the account. 

XXXX After receiving a statement reflecting the account as still open, I wrote again asking them to close it and provide me written proof of doing so. I called, as well, and was promised this would be done. 

XXXX After continuing to receive monthly statements reflecting the account as still open, I wrote again asking them to close it and provide me written proof of doing so. I called, as well, and was promised this would be done. 

XXXX I received another statement showing the account is still open and active.