davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Lakeview services llc has made a negative report during the covid19 pandemic while my account was in forbearance status. During the forbearance status, i did make payment to my accounts. The incorrect report was made on transunion from the month of XX/XX/2020 through XX/XX/2020. I have recently spoke to the representative of lakeview service, they instructed me to perform this complaint. From my understanding, that during the covid19 pandemic, there should be no negative report is to be reported while affect financially during that time.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AZ)

I received a debt collection bill in the mail XX/XX/XXXX from Enhanced Recovery Company for the amount of {$410.00} for XXXX XXXX XXXX XXXX XXXX, I reached out to the company and its for someone who used my social security number and my name but in XXXX XXXX Michigan. I live in Arizona and have never in my life even been to XXXX nor do I know anyone there nor did I give anyone permission to use my personal information. I also see another charge for XXXX on my credit report from the same company Enhanced Recovery Company. Both accounts show they were open in XXXX of XXXX. These do not belong to me and this is fraud.
Consumer complaint received 2020-10-05
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. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2020-10-05
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (NJ)

I noticed that {$8.00} have been constantly removed from my account for a long time over 6months. Initially I thought it was my children using my card with my permission to purchase games with XXXX XXXX I noticed a {$53.00} debited and I didn't authorize that neither did my children purchase anything. 
I called wellsfargo immediately and they shut down the card and not too long I saw they credited my account from XXXX to XX/XX/XXXX to Approximately XXXX plus. 
Then with new card they sent which I never activated, I saw a debit for {$8.00} for XXXX whilst I activated the card on XXXX. 
I called the back XX/XX/XXXX and complained how was that possible and I was told by XXXX that XXXX has the digital number and they approved it and I asked how was that possible that I thought once a card has been termed fraudulent by the bank everything is deactivated and she said she can only explain in general terms for me and that by the way ; the provisional approvals on the past claims for the same issues that I made was declined and they removed the credits that was issued before. I was shocked and said I was never notified on anything. She said it will come in 9 to 10 business days. She transferred me to a fraud specialist and I explained what XXXX told me and the specialist XXXX said that XXXX has the jurisdiction WITH VISA TO BYPASS ANY HOLD AS LONG AS THEY TELL THE COMPANY THAT THIS IS THEIR REGULAR CLIENT AND THE COMPANY VISA WILL APPROVE. which was why I was still charged despite it was not active. I asked the agent that I thought once your card is changed that it Is the customer that notifies and updates her new card number. Herself. That this is another new information I was so frustrated that when she said she was shutting down my card again i asked her why because if XXXX can bypass the blockage the charges are forever going to be occurring and she said I should call XXXX and cancel the subscription. I have been calling XXXX and the last person asked me what subscription and I said I did not know. She transferred me to a department that ought to help and i was waiting for 1.30mins and none came on. I had to end the call. I recieved a letter from wellsfargo on sat the XXXX of XX/XX/XXXX stating the reason for the decline was and I quote'Our investigations shows that the transactions is consistent with the way you've used one or more of your wells Fargo accounts in the past. Based on this we've determined that the transactions is valid. 
See, if a card that has not been activated by me is used why wont it be consistent. 
Please help me. 
Sincerely XXXX XXXX
Consumer complaint received 2023-07-13
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. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Idaho Housing And Finance Association (TX)

XXXX XXXX  which is the same company as Homeloanserv which was paid off in XXXX of XXXX have lost my patience with this company placing negative information on my XXXX account and XXXX is allowing it.Every other week they are sending fraudulent information that I am delinquent on an account that was paid off on XXXXXXXX XXXX accepted a check from the title company on both loans they had opened in my name and one of the loans was a XXXX XXXX.Why are you all allowing both of these entities to place fraudulent information on my credit reports? I provided proof to you all the loans was paid in full. The title company has provided information, so my question is do I need to hire an attorney and file a lawsuit against someone in order to get this negative information off my credit report? Its sad when innocent consumers are battling against these predatory companies.Everytime I apply for a place to live that false information is hindering my ability to move forward with my life.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (PA)

I am writing to you due to a big issue that I am going through with Comenity Bank and really need your help. I have been affected enormously in my personal life and have lost a huge opportunity because of this situation. 

I have a XXXX XXXX, recently switched from XXXX XXXX XXXX  and got taken over by Comenity. I was getting mail statements from XXXX XXXX didnt and receive any comenity statement. I was not aware of what was going on with my statements, I was quarantined DUE XXXX and did not receive any NOTIFICATION from none of the companies that I was being switched. 

What I need is to get the late payments reported on XX/XX/2020 and XX/XX/2020 corrected or the entire tradeline removed from my report. 

I didnt know it had switched. Didnt get any notices of late payment insertion, which is a violation under the FCRA. 

Account Info : Account # XXXX Date Opened, XXXX XXXX Account Limit : {$300.00}
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Dear Sir or Madam : I am a victim of identity theft. My XXXX XXXX XXXX account ending in XXXX was having unauthorized funds withdrawn from it via online access. Upon discovering that my account was compromised XXXX transferred my balance of XXXX into a new account which ends in XXXX and restored my funds. The old account was suspended but not terminated, this allows for the automatic bill pays to still be made from this account. Long story short my above account for XXXX XXXX XXXX XXXX was paid but later reverse due to the account being frozen, fallout from the identity theft ( paperwork included ). I was not aware of this payment reversal and the next month payment was taken to cover this reverse payment. This happened for a couple of months. I was making the payments thinking they was on time when I was paying the last months note. This finally resulted in a XXXX late payment. I was alerted by XXXX XXXX  that I was 30 days late on my payment. I called XXXX XXXX XXXX XXXX and they explained that I had a reverse payment and they took the following payment to cover that payment. I quickly made a double payment to rectify this account. Keep in mind the amount of funds in my account. I opened this account in XXXX of 2021 and have had a perfect payment history up until this point. 
I am requesting that this late payment be removed due to the fallout from the online identity theft. The Identity Theft Report FTC Report Number XXXX and proof of my identity is enclosed with this request. I have also enclosed a copy of my old bank statement from XXXX where the account was suspended, and funds transferred to account ending XXXX. Bottom line if my automatic payments had not been uninterrupted by the criminal act of someone compromising my account the payments for this account would have continually been made in a timely fashion. 

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ). 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. 

Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, Experian and XX/XX/XXXXare in violation of my rights and is subjected to a law suit under these laws/
Consumer complaint received 2023-01-06
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. (MD)

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 2020-10-05
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. (MS)

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party.

Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, XXXX  and Equifax are in violation of my rights and is subjected to a law suit under these laws/
Consumer complaint received 2020-10-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical & Professional Collection Services, Inc. NC. (IN)

On XX/XX/XXXX I contested alleged debt because Plaintiff refuses to provide anything in writing. The Plaintiff 's attorney yelled, harassed, bullied me, and told me I could not dispute " so close to the hearing '', which is not true. 
I made her aware this is also beyond the statute of limitation. 
In XXXX, a judgment for {$11000.00} was granted on debt I am still unaware of, I was not properly served and did not know about this hearing. Plaintiff is now alleging I owe {$19000.00} and refusing to validate the debt. No hospitals have any debt on record under my name.
Consumer complaint received 2020-10-05
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: AMERICAN HONDA FINANCE CORP (MA)

My dispute is with Honda Financial Services. Account Information : Account # XXXX XXXX XXXX   VIN:XXXX XXXX In XXXX of this year, we moved from XXXX XXXX XXXX. to XXXX XXXX XXXX XXXX MA, XXXX. 

I called and reported my move to Honda Financial Services in late XXXX. By the time I called and a bill had been resent, the account was overdue. 

I received a call from collections sometime in XXXX/XXXX  about the delinquency of the account. Collections requested a payment over the phone. I explained that I was not going to give my credit card information out to anyone over the phone, that I had moved and to please send me a bill and I would pay immediately. 

While no bill had come in the preceding week, I took it upon myself to create an account with Honda financial services and paid over the internet. I have had the lease for 3 years and have never paid late. 

This delinquency caused my credit to drop significantly. 

So i called Honda and explained the case. They said that bc collections called me then they were absolved from any dispute. I explained that I pleaded with collections to send a bill immediately but no bill was sent. That the forwarded mail as well as the XXXX/XXXX   statement arrived yet the account was already overdue. 

Collections for Honda does not send account statements out and I was uncomfortable making a payment over the phone. They believe that just bc collections called me and I answered then I was responsible for the bill as well as reporting to the credit bureau.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

In XX/XX/2020 ; Wells Fargo placed my primary residence and an investment property into a CARES ACT COVID-19 Deferral. This was done without my consent or my approval. They would not allow me to make payments while on deferment as I wanted to at least cover the escrow amounts. In XXXX ; I was asked a pivotal question, Did I want to pay back the past due amount or balloon the balance onto the 360th payment. As an investor I took the opportunity to balloon the payment to redirect funds into an investment. I began making payments as of XX/XX/2020 according the normal schedule. Wells Fargo held their word that the account was never reported late or past due and has that the account is current. The problem is that the remarks and comments section mentions that account is actively in deferral. I can not secure credit from anyone because every lender believes that my mortgages are in an active deferral. Wells Fargo has responded to my complaints that the lenders are not interpreting the credit report correctly. However, every lender is interpreting the credit report this way. I need this comment removed as I can not secure any credit despite having an XXXX credit score and actively making payments. 

Please note that I am not attaching any documentation because I fundamentally do not have any documentation to attach. I did not complete any forms for the deferral ; I did not receive anything saying I was not in deferral so I have nothing to provide.
Consumer complaint received 2019-12-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hillcrest Davidson & Associates (FL)

On XX/XX/XXXX at approximately XXXX XXXX. I received phone call stating that I need to call a number with a reference number and there is legal documents waiting for me so I called the number gave them a reference number and they said I had a medical bill in the amount of {$910.00} and and are sending legal documents and if take care of this matter I am subject to wage garnishment property seizing tax garnishment Etc
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (OR)

XX/XX/2020 - XX/XX/2020 hehehehe this non sense bank blocked my checking account but still they processed the 2 ach deit transfers from the external linked account, a total non sense, why they do not simply block the funds and retirn them to the original bank account, instead of their wasting of time non sense procedures now they have blocked my account with a {$120000.00} balance transfreed from my external checking account with out my authoization i have answered to their non sense questions both to the automated phone system and to the agent but they still say that they will not refund the not authorized ach transfers to the original bank account, and they want to keep the account blocked until i will send them paper documents, that in fact i do not have they ask for a document id that contains the adress that i have indicated on the discover checking account and the social security number as well this request is a non sense since  i'm a XXXX XXXX of this country, but i'm a XXXX  citizen, so i have a XXXX  pasport the XXXX passport does not contain the XXXX adresses or the social security number i asked if they will keep the funds blocked and their answer was " well good question, yes until you send us all the required paper documents, the funds and the checking account will remain blocked, for a unlimited time '' i have my XXXX  passport and the social security card but i do not approve their request for a copy of the passport and ssn card, since i do not send my document id here and there by fax, only because their security procedures are a non sense if they recognize a not authorized ach debit transfer from the linked external account, they must simply cancel the ach debit transfer and they do not have to wait until the ach debit transfer clears or otherwise if they can not cancel a not authorized ach debit transfer, then can bock the account temporarily until the funds are cleared and then refund the funds to the original bank account, instead of wasting the customer valutable time with their non-sense procedures i also want to clarify that they advertize the discover checking account as a online only checking account and when i signed up for the online/web discover checking account nobody told me ad there were no indicationsm that they send sms codes and request paper docs for a online only checking account a non sense a normal bank can confirm identity by sending a code to the registered email on bank account discover likes sms and smartphones, not the internet/web but they do not indicate that on their website they are not compatibles with the internet/web but still they insist with their online only checking account, that works with a sms, a fax or a paper document i suggest them to transfer their bank activity, including their so called online account by sms and their ach transfers funtionality, from the web/internet to a normal blick store, because discover isn't compatible with the internet
Consumer complaint received 2020-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Per Customer service Bank Of America CHANGED Program and  they only taken out minimum payments. I have for the last several years had additional money taken out towards principal. After new programs installed by Bank Of America. Tried to resolve this issue since XX/XX/2020 to date it has NOT been corrected. Try to contact CUSTOMER SERVICE AND THE BANK no one seems to know how to resolved this issue.
Consumer complaint received 2022-11-09
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: Paradigm Assets, LLC (MD)

JHPDE Finance I LLC has open a collection account on all my credit reports without verifying the accuracy or contacted me prior to open this account against my name. I have contacted JHPDE Finance I LLC on multiple occasions for the validity of this account but I got no response. JHPDE Finance I LLC, XXXX, and XXXX refused to investigate the validity of my disputes along with removing it from my account. I eventual settled the account because this collection account is impacting my employment. After settling this collection account with the request to removing it from my account, JHPDE Finance I LLC still refused to close and remove the account from XX/XX/2022.