davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

This complaint is about Lakeview Mortgage Co, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and the law firm that handled the closing of my refinacing. 
We closed on XX/XX/2021 and I was to receive a check for {$170.00}. On or about the next following Tuesday I received an urgent email from XXXX about a closing which I had to agree to for XX/XX/2021. I responded that we had already closed and I was surprised she didn't know about it. She then told me there had been an error on her end and we needed to repeat the process. She further told me I had done nothing wrong. For the next few days I repeatedly asked about the error but got no response. On XX/XX/XXXX the person came again to my house totally unaware this was a second closing and totally unaware of the problem. He also told me he was not leaving without a check from me for {$140.00}. So their error cost me {$320.00} and I still had no explanation about the error that cost me {$320.00} and caused a second closing requirement. 
The next week I had to threaten to invoke my right to cancel before I could even get a return phone call about the error and then it was at the last minute. 
XXXX called me with an explanation about a closing violation and told me my check for {$140.00} would be returned to me and I would also get a check for the {$170.00} which I was to get from the first closing. Last week my check was cashed by your company and I have yet to receive the your check for {$170.00}. 
At the second closing the attorney that came to me home told me he would scan the documents and email them to me that night. I never received that email and had to way to reach him. A week after the second closing I got a call from the XXXX XXXX XXXX about the {$140.00} check to confirm the address. I also asked the person about getting a copy of the closing documents since I never received them. She said she would send me my copies. I received the {$140.00} check the next day but no documents. Today I called the XXXX XXXX XXXX again to follow up on obtaining my copies of the closing documents. I also got the phone number of the attorney that did the second closing and call him to find out why he never emailed me my copies. He told me he did but the file was too big and was rejected. He also told me he he zip filed it and re-sent it the next day. I received nothing from him. 
Since the second closing I have exchanged emails with XXXX XXXX several times saying her firms takes complaints very seriously and she had referred my case to her complaint department. I never have received and clear answer as to why we had to do a second closing, why it cost me {$170.00} and why I don't have copies of my signed closing documents. 
This whole matter was handled in a very unprofessional manner and I was lied to to get me off the phone and placated until the 3 day cancellation period expired Thank you for your help with this matter
Consumer complaint received 2022-06-22
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. (TX)

I have contacted XXXX  twice on incorrect credit reporting for my credit report. My mortgage statements are correct but are totally different than what is reported on my credit report monthly. I was given a {$14000.00} grant inwhich i am not responsible for paying and they are reporting to the credit bureaus as apart of my principal balance and giving me a monthly balance increase. I have attached what my authorized mortgage company reported, versus what XXXX is now reporting.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-02-10
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. (FL)

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are amongst the list. Every communication with Experian, XXXX, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Recovery Services, LLC (TN)

Absolute Recovery Service XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  {$8800.00} i went to court and the judge said that i do not owe this money and XXXX XXXX  asked for me to vacant the unit on XX/XX/XXXX and the judge agreed and i moved out on XX/XX/XXXX relocated to my current city and received a court summons for XX/XX/XXXX for the same money that Absolute Recovery is trying to collect from the same Apartment company that the judge said i do not owe. They are taking me to court with another judge because they did not like the first judge agreement who saw my receipt of paying these people {$4000.00} XX/XX/XXXX prior to moving into the unit on XX/XX/XXXX and they filed court detainer on XX/XX/XXXX to evict me from the unit after they took over 4 months in rent from me and now trying to extort over {$8800.00} from me after the judge told them that she will not make me pay them this money. they are in collections for the {$8800.00} and the courts trying to extort funds of {$3900.00} from a XXXX person who lives off {$200.00} per month in income and do not reside in their unit and have not been in XXXX since XX/XX/XXXX.
Consumer complaint received 2021-04-12
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. (GA)

AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WAS A FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. THE ACCOUNT IN QUESTION IS WITH XXXX XXXX. I HAVE ATTEMPTED TO CONTACT THEM MULTIPLE TIMES TO REQUEST INFORMATION FOR THIS FRAUDULENT ACCOUNT. I HAVE FILLED OUT NUMEROUS DOCUMENT IN ATTEMPT TO GET THIS INFORMATION REMOVED YET THEY CONTINUE TO REPORT THE FRAUDULENT INFORMATION TO ALL THREE CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE ME INFORMATION PROVING THIS FACT. AT THIS POINT THEY HAVE STOPPED RESPONDING TO MY EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. I HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS ME AS A CONSUMER TO REQUEST COPIES OF MY CREDIT REPORT AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT.
Consumer complaint received 2022-11-19
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. (CT)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-19
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 stares a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( a ) section 5 states no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.S-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 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

In my last credit card statement, Citi claims that they told me that " in order for me to avoid paying interest, I need to pay the whole " New Balance '' amount ''. 

However, I checked the statement I downloaded and nowhere does it say that text " to avoid paying interest .... pay the whole balance ''. 

I only paid {$1000.00} for this last statement since I thought there was no interest that was going to be charged, even though the minimum payment on this card at the time was {$110.00} according to the statement balance. 

Summary : Citi still ended up charging me interest for the entire balance despite the fact that their statement document did not include this anywhere on my statement. I would have made a payment for the whole balance if I knew they were going to scam and try to charge me interest.
Consumer complaint received 2021-09-24
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)

Please see identity theft report. Since earlier this year, I have CONSISENTLY disputed fraudulent accounts that are results of identity theft on my credit profile, with all 3 credit bureaus, and they HAVE IGNORED my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles!
Consumer complaint received 2022-02-10
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 (MD)

As of today, XX/XX/2022, the account balance is zero and has been paid in full as for the rest of my over 35 current active credit card accounts. However, Capital One purposely provided to XXXX and XXXX fraudulent payment history information earlier today on XX/XX/2022, which caused my perfect credit scores to drop about 80 points causing both financial and emotional harm and damages as a result of its illegal reporting to the national credit bureaus in violation of both FCBA and FCRA including the stipulations of 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ) and 1666e. 

See attached Capital One bank statement. 

The reported errors to all credit bureaus and creditors must be IMMEDIATELY CORRECTED AND REMOVED!!
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$9400.00} XXXXT XXXX {$840.00} XXXX XXXX {$300.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$750.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (CA)

I am attaching a letter that I recently wrote to Experian to illustrate how my rights protected under FCRA 611 ( a ) ( 7 ) have been violated. In this letter I requested certain information and Experian was supposed to get this back to me in writing no later that 15 days since they recieved the Method of Verification request letter. I am positive the account in question dosnt belong to me and have placed a fraud alert on my credit report. I will file a court case if need be and the information requested in that letter will be needed in the case. Experian has mailed me no such letter and didnt do a real investigaion, they simply " verified the debt '' updated the dispute, which is what I specifically asked them not to do in the letter. My letter was to get details of what methods used and It is my right to know that given by the FCRA. Because it has been over 15 days since Experian recieved my letter I kindly request that it is removed immediately from my credit file.
Consumer complaint received 2022-02-10
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)

My name is XXXX XXXX, 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 and/or bankruptcy from my credit report immediately.
Consumer complaint received 2022-02-10
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. (LA)

I received a recent copy of my consumer credit report and noticed some unauthorized inquiries that I did not authorize nor benefit from. Please block and remove this fraudulent activity from my credit report as it hinders me from moving forward in my life and also damages my general reputation.
Consumer complaint received 2018-12-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (NC)

I have tried to get Santander to verify this dept several times and I get no response. This dept is a vehicle that my deceased brother that worked at the car dealership signed my signature and my girlfriend at the time signature. Me nor my ex signed for this loan. This is badly hurting my credit as I am trying to get things in the positive.
Consumer complaint received 2021-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings (MS)

I tried to apply online. I could not log into account. In XXXX I started the loan process but did not complete it. On XX/XX/XXXX, I called in about the issue. I was told they did a business review of my account and they would not do business with me. I requested a reason why and I was informed that they would not tell me why. I told XXXX that I had a right to know the reason. I offered to provide a updated address to send the reason to me via letter. She still refused to give a reason. I requested to speak to a supervisor and I was informed one was not available. I have the right to know the reason and to know if they are circulating this information.
Consumer complaint received 2024-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fairway Independent Mortgage Corporation (AZ)

In XXXX of XXXX I applied for mortgage assistance due to being laid off from my employer, Fairway in XX/XX/XXXX and again XX/XX/XXXX. I was granted a forbearance, XX/XX/XXXX suspending my mortgage payments. In XX/XX/XXXX I secured employment and contacted my mortgage company immediately to discuss my options going forward, which a loan modification appeared to be the best solution. After numerous conversations with Fairway Loss Mitigation department, begging to stop the forbearance as I was now employed, I continually have gotten the runaround. 

Finally in XXXX XXXX, I was notified ( XXXX months later ) that I was approved for a modification and would begin my trial period XX/XX/XXXX for 3 months which I have completed. I continually ask what the next steps are and can never get a straight answer. I have been harassed throughout this process with numerous phone calls and emails for months with no resolution, no update just comments they are required to contact me. 

I feel that I am being discriminated against for being a single, white, older female and harassed for being a former Fairway employee. I have requested a complete breakdown for my current unpaid mortgage balance and current monthly mortgage payment and to date have received nothing At this point I am looking for a resolution and what to know where I stand to stop the harassment.

I have additional details, phone logs, emails to support the above should they be required.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OK)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NE)

SLS account records previously submitted in a response to my CFPB complaints of Spring and Summer XXXX, shows 90 % of the direct mortgage payments I submitted to the agency went into unapplied funds. 

SLS has a history of treating me, a XXXX, single, XXXX nurse and veteran with contempt. Indeed, I have suffered from XXXX verbal abuse and a consistent pattern of structural racism making homeownership difficult for myself as a XXXX women.Yet the current intentional misapplication and theft of my {$850.00} partial mortgage payment from XXXX of XXXX, is another illustration of how this company persists in stealing from hardworking homeowners. 

Specialized Loan Servicing took my XXXX, XXXX partial mortgage payment and applied it to the principal without my knowledge, intention or permission. 

Attached is a document from SLS showing that a payment of {$850.00} was made to principal and interest, although {$790.00} of this was from a partial mortgage payment made in XX/XX/XXXX. Bank statement enclosed with transaction.