davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Effective XX/XX/2019 my loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. When I received no documentation from XXXX XXXX XXXX I was provided their information via XXXX XXXX XXXX. 

I called to inquire how to make my first payment and I was directed to the website where I registered and successfully made my payment on XX/XX/19. I attempted to make my payment today XX/XX/19 and their website reflects my account as past due.

They have the payment due as XX/XX/19 and as such flagged it as past due. Because of the account disposition I am unable to do an auto draft and when I try to make the payment online they are trying to charge me a {$10.00} payment fee. I called customer service, which was closed. The automated system allowed the option to pay for a {$12.00} fee. 

My account is not past due as they have reflected as of today 's date ( XX/XX/19 )  under the terms of my mortgage " If your payment is more than 15 days late, your lender will charge a late fee of 5 % of the overdue monthly principal and interest payment. '' I have yet to receive any documents, statements, nothing from this lender. I believe it is a deceptive practice to lock an account as past due in order to charge a processing fee. Florida statute is clear about the " late fee '', but this lender is intentionally bypassing that by prematurely locking down the account as past due in order to charge a " processing fee '' - this is deceptive and fraudulent.
Consumer complaint received 2022-12-01
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. (TX)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

IN XX/XX/XXXX i WAS SUPPOSED TO RECIEVE THE AMOUNT OF XXXX FROM XXXX XXXX XXXX XXXX A CUSTOMER OF WELLS FARGO BANK AND IT WAS A AGREEMENT AMOUNT PER OUR CONTRACT. XXXX XXXX XXXX KEPT PROMISING TO PAY THE AMOUNT SINCE XXXX OF 2017 AND WROTE TWO CHECKS THAT BECAME NON SUFFICIENT FUNDS TO SETTLE THE AGREEMENT. 
HE STATED THAT HE WOULD GIVE ME MORE DUE TO THE FACT THAT HE WAS LATE IN PAYING THE AGREEMENT. I ATTMEPTED TO CASH THE CHECK AGAIN WITH WELLS FARGO AND REPORT IT TO WELLS FARGO BANK AND THEY DO NOT HAVE A BAD CHECK RESOLUTION DEPARTMENT AND THAT I CAN NOT ATTEMPT TO CASH THE CHECK ANY LONGER AND THAT I HAVE TO CONTACT THE PERSON WHO GAVE ME THE CHECKS. I DEPOSITED ONE OF THE CHECK INTO MY BANK ACCOUNT XXXX  XXXX XXXX AND IT CAME BACK NON SUFFICIENT FUNDS. 
THIS AGREEMENT BETWEEN XXXX XXXX AND I WAS TO DO A FINANCIAL INVESTMENT WHICH NEVER OCCURRED AND HE ALSO, WROTE BAD CHECKS TO MY FRIENDS IN MORE AMOUNTS AND THEY TO WERE NON SUFFICIENT CHECKS. THE POINT IS THAT WELLS FARGO WILL NOT INVESTIGATE THIS MATTER AND ITS THEIR CUSTOMER AND THEY LET XXXX XXXX CONTINUE TO HAVE A CHECKING ACCOUNT AND WRITE BAD CHECKS AND NOT CLOSE THE ACCOUNT TO SUSPEND HIS PRIVILEGES. I DID REPORT IT TO THE XXXX XXXX XXXX POLICE DEPARTMENT BOTH INCIDENTS BECAUSE WELLS FARGO WILL NOT TAKE ACTION. THIS OCCURED IN XXXX XXXX XXXX FLORIDA WERE XXXX XXXX LIVES AND DOES BUSINESS WITH THE WELLS FARGO BANK ON XXXX XXXX AND XXXX XXXX. 
THATS MY COMPLAINT.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I have been with Paypal for over XXXX years with no issues or hiccups. Out of random i received an email on XX/XX/2021 at XXXX PM that my account was closed and that i was unable to use paypal anymore due to filing cases with the XXXX XXXX XXXX contrary to the terms of the user agreement. This came as a surprise because i received no warning with paypal or any issues with my account and the last dispute was done XX/XX/2021 Paypal had the last say in the disputes and approved them all so why am i being penalized as if i did something wrong
Consumer complaint received 2022-12-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARC Management Group, LLC (GA)

ARC has knowingly furnished false credit information to the credit reporting agencies as a means of collecting on this extension of credit through unlawful extortionate means. I have reasonable cause to believe that ARC had prior knowledge that punishing a consumer for the nonpayment of an extension of credit by engaging in unlawful extortionate means was a violation of the RICO act. ARC has not attempted to lawfully validate this alleged debt prior to furnishing this false tradeline to nonaffiliated third parties. I did not and I do not consent to the furnishing of this false tradeline to any credit reporting agencies. ARC is to provide documentary evidence such as the books of accounts or any evidence as described under 15 USC 44 that this in fact a legitimate debt. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and my financial reputation and move to file suit for the intentional infliction of emotional distress I received on behalf of these unlawful extortionate means. 

If ARC can prove this extension of credit is in fact a " debt '' as they claim, I would like to know what legislative branch granted your enterprise the right to collect debt in the United States. If your enterprise does not have prior approval from any legislative branch of government in the United States, your company is knowingly in violation of the false claims act. 

If this account turns out to be an extension of credit, ARC is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028A and a violation of the RICO act 18 USC 894.

Although your enterprise may have " lawfully purchased this debt '', you are not exempt from any legal consequences that your actions have caused. In accordance with the FDCPA, you should also be aware that your company is equally, if not more, at fault for engaging in these unlawful extortionate means as there is no innocent purchaser for value. 

This is a demand to cease and desist all illegal collection activity and remove this fraudulently furnished tradeline from my credit report immediately or I will follow up with a complaint with the FTC and my state 's attorney general along with moving to file suit in federal court.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Byrider Franchising, LLC (LA)

I have a car loan with CNAC in XXXX, LA and there were some legal issues with them and I was required to start making payments to XXXX XXXX XXXX  in XXXX XXXX, LA. I started making those payments to XXXX XXXX on XX/XX/XXXX and since then my credit CNAC has not been posting that my payments have been made. My credit report shows I am 30-59 days late currently and that is incorrect. This still stands are a dispute with XXXX. I have made all my payments in a timely manner. I have all payment receipts from XXXX XXXX XXXX  in email.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I sent a certified letter to Equifax to remove a Inquiry I did not authorize ... 
On XX/XX/XXXX. 2019 Equifax did give a response that the inquiry was factual without providing any documentation to display I authorize this unknown inquiry from XXXX XXXX. 

I then contacted XXXX XXXX  as suggested from Equifax to contact the furnisher directly and spoke to a representative that could not provide details to how the inquiry was initiated, nor did the representative have any factually sound documentation with my signature to show I personally requested services of any kind.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX I contacted Bank of America thats my account has been used overseas to withdraw money as well as used to transfer money overseas I contact to make a claim and representives didnt th file all the transactions have call repeatedly to do several claims because they cant do there job! clear this out one person say I should have a credit by 10 Business day if no resolution now other person is saying no are rules are different them other banks and investigation can take months so soneone Can used my account and Bank of America Can take Days months to fix my account am no provisional credit because other bank rules dont apply to them I sent police report I didnt authorize this transactions I need my money back I have read stories they dont even investigate they just brush it off and we the consumers ones that Pay the price!! Everyone blames the last representative they talk to me I dont know why they cant just fix my issue
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The consumer agencies known as TransUnion, XXXX, & XXXX are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies listed within the account. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$3500.00} {$0.00} {$3500.00} Credit Limit : {$2900.00} {$2900.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by XXXX XXXX Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received an alert from my bank of a new account opened under my name with Bank of America on XX/XX/22 I contacted Bank of America to confirm an credit card account was opened. I have no knowledge of this account nor did I authorize a new credit card.
Consumer complaint received 2018-05-04
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. (GA)

In XX/XX/XXXXmy car was financed thru XXXX XXXX and my last payment should have been in XX/XX/XXXX. However, I disputed the amount XXXX XXXX tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by XXXX XXXX at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount XXXX reported as owed was in error, I never again heard anything from either the Collection Agency or XXXX XXXX. EVER. Not one single word.

In XX/XX/XXXX I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by XXXX XXXX XXXX agent of choice ). This was done and in XX/XX/XXXX, I contacted XXXX XXXX to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from XXXX XXXX in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after XXXX XXXX received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I sent a certified letter to Transunion for the removal of unauthorized inquiries and Transunion did not respond in the 30 days outlined in the law. 
I received a response on XX/XX/2019 complaint XXXX # XXXX I requested Transunion investigate the fraudulent inquiries on my account that cause me to place a fraud alert on my reports on all three credit bureaus for unusual activity. 

Inquiries I requested for removal in XX/XX/XXXX letter are : 1 ). XXXX  XXXX. 
2 ). XXXX XXXX XXXX XXXX 
3 ). XXXX XXXX XXXX Even after submitting a direct letter from XXXX   XXXX XXXX stating for the record that they believe the inquiry with fraudulent and will request it to be removed on all credit bureaus reports. 

XXXX  immediately removed XXXX XXXX XXXX after acknowledging the letter. 

Transunion has yet to acknowledge this direct notification and remain to allow this fraudulent inquiry to impact my credit profile.
Consumer complaint received 2019-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

In XXXX, my mortgage loan servicing changed to Loan Care, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. I canceled the ACH payment with the old company and sent a BillPay payment to the new servicer. Unfortunately, both payments were processed. When I called to get the extra payment reversed, I was told they had applied the extra payment as a principal curtailment. I have called numerous times and have been assured it would be fixed, but it has been almost six months now. I continue to get delinquent notices each month now because they keep showing me one month behind and I believe my credit has been negatively impacted too. I can not afford two {$1500.00} mortgage payments in one month on my tiny fixed income. I had to borrow money to get by. I am an XXXX year old military widow and I am trying to get my finances secure to move into a rest home because my XXXX are failing. I need the principal curtailment reversed, like I have been promised since XXXX. I will not be paying my XXXX payment with the expectation you will finally get it done.
Consumer complaint received 2019-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (PA)

North Shore Agency has sent me a collections bill for a debt that I don't recall even making. According to them, I allegedly owe XXXX dollars for some book that I never ordered. The book is supposedly titled XXXX XXXX XXXX XXXX XXXX. I don't remember ordering any book in my entire life. If this is the result of some kind of identity theft going on, then I have every intention on finding out who stole my identity.
Consumer complaint received 2015-05-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (SC)

I have both Federal and private loans ; fortunately, the income-based repayment for the federal loans requires a reasonable payment ( XXXX-time ever I am grateful for a XXXX ), but the private loan will not consider the fact that with its MASSIVE payment requirement, over half of my monthly salary goes towards student loans. It is crippling and because of the amount of loans in the XXXX place, they will not approve me for a consolidation or refinancing in order to lower the payment. They have absolutely no options for people who are being suffocated by student loans, and let 's face it, the education industry is n't exactly going to yield XXXX.
Consumer complaint received 2022-02-02
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. (AZ)

I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I dont know how to delete it from my name
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (VA)

A collection agency ( Jefferson Capital ) says I owe money from an account I never had. They say I had a card from XXXX XXXX  XXXX XXXX. I live in Virginia and have never been to Delaware. I checked online and this " bank '' was shut down by the Feds for fraud and money laundering. Apparently, they stole my info and opened a line of credit in my name. Now they no longer exist and Jefferson Capital says they bought the debt and want their money. This is all a big scam. How can I fix this?
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

[ XXXX XXXX ] [ My XXXX XXXX account number is XXXX but at this time my bank account s closed ] [ Born on XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ] Re : The dispute error was points being deducted from my score when after I was told it would not drop my score Dear [ CFPB, ] I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ My  account number for XXXX XXXX is ( although the account for it is currently close ) is XXXX and my credit card number for XXXX XXXX is XXXX good thru XX/XX/XXXX cvv XXXX Dates associated with item being disputed : [ The date associated for the credit score deduction is XX/XX/XXXX. The date for the very first dispute of an unauthorized transaction was around XX/XX/XXXX or XXXX XXXX at around XXXX ] Explanation of item being disputed : [ I was told that the dispute of the unauthorized transaction of XXXX was going to be disputed and that XXXX XXXX flagged it and was going to refund the money. I and here is the reference number an agent gave me XXXX. I even asked if my credit score was going to drop and the answer was no But today it did drop. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Dispute 2 [ My Credit Score went from XXXX to to XXXX and my credit over limit that became over its limit due to the unauthorized transaction is {$330.00} it went over its limit by {$34.00}. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]