davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IA)

On XX/XX/XXXX I closed on a mortgage refinance with Lakeview Loan Servicing. They had sent ( I believe ) a third party to my house to sign the closing documents. I believe this was a third party because she could not answer any questions I had for her. She did inform someone would be in touch with me regarding my payment information. 

This was a refinance of a loan that I already had with them. They had my loan after my local bank sold it to them. On multiple occasions, I have checked my online account with them. I could only see my old loan information. I contacted them on XX/XX/XXXX but was not given any answers to the questions I had regarding my account. I was told that I have a new loan number, but was not given the loan number. I was told that my payment is due at the XX/XX/XXXX of the month, but have not been given an amount to pay and no way to pay it. I asked about getting my online account fixed but they told me that I needed to add my new account number to my account. As well as not knowing the new account number, it seems as if my account is locked. I am unable to access my account online, I can only log in and see the old information, but am unable to open any of the menu options. I am also unable to make a new account, as it recognizes my information when I try. 

I explained this to Lakeview Loan Servicing on multiple occasions. I was told on XX/XX/XXXX that a representative would reach out to me. I have not received any information from them since that email on XX/XX/XXXX.

I am trying to pay my mortgage. I want to pay my mortgage, but I am afraid they will not contact me and will only send me a notice when they can charge me late fees and hurt my credit.
Consumer complaint received 2023-03-30
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. (OH)

I filed a dispute with XXXX for a bankruptcy that was reported on my credit report and was notified by XXXX that this dispute was received and opened on XX/XX/2023. There were also 2 additional disputes that were opened for accounts that were listed as included in this bankruptcy which was XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX. 

The bankruptcy was removed from my report on XX/XX/2023 and the XXXX XXXX  account was removed as well. The XXXX XXXX  account should have been removed as well as the XXXX XXXX account. 

If the account is showing that it was included in bankruptcy and the bankruptcy has been removed then this account is reporting inaccurately, and illegally and needs to be removed immediately. 

I demand that this account be removed from my credit report immediately due to was reporting in bankruptcy and the bankruptcy was removed.
Consumer complaint received 2023-03-30
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-06
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (UT)

IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed IC Systems was reporting this debt but this is not mine. I never received any notices, calls, letters or correspondence from them about this debt. This debt has never been verified to me and this violates my 30 day right to dispute.
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

On XX/XX/2022 I called Truist Customer Service to request my PMI payment be removed. I had received correspondance from Truist and other lenders stating that my property value had increased and was able to take cash out of my home. I DID not want cash out but to me this meant that my PMI could be removed. The customer service representative instructed me to submit a request via their on line Chat option which i did on XX/XX/2022. On XX/XX/XXXX I received a letter from Truist DECLINING my request stating I did not have 80 % Loan to Value. However, the letter stated they had completed an AVM and the AS IS Value of my property was XXXX my unpaid principle balance was ~ {$520000.00} which means my LTV is 68 % which is WELL below 80 %. The letter for the decline said my LTV was 92 % ... the calculation did not add up. I called customer service, was on hold several minutes, she validated the letter and the AVM and Unpaid principle balance noted in the letter and recommended I send an email dispute to " XXXX '' I sent an email as directed. On XX/XX/XXXX I received a more than rude reply that stated " there is nothing to dispute '' and told me I would receive a letter, which I noted in my email that I had already received and was disputing... a copy of the email correspondence is attached to the bottom of this form complaint. If it were not COMMON knowledge that the average property value in the US has gone up 40 % and even more in XXXX XXXX XXXX where my property is, then I could see maybe they would want to do a BPO, however, the value in the AVM is more than sufficient to prove my property Loan to value is substantially less than 80 % ( the AVM is as is value ) Not only is the customer service unacceptable, the lack of accuracy prior to sending me the letter is unacceptable. Bottom line is my property is LTV is substantially less than 80 %, my investor is XXXX and this is clearly an abuse of my rights to have the PMI removed.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX night, I tried deposit {$2000.00} cash into my checking acount, at Bank of America, address is XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I use the drive thru ATM, I counted {$2000.00} cash both are {$100.00}, then machine just eat {$800.00}, returned {$1200.00}. 
On XX/XX/XXXX, I walked into that bank talked to staff and manager, they said I will get temporary credit within 2 business days. 
On XX/XX/XXXX, I walked into that bank, talke to the manger and staff again because no one dollar get into my account. Then they ask me to call the service line, the service line staff told me I can get temporary credit within 2 business days. 
Yesterday XX/XX/XXXX, I walked into that bank again, because I still get nothing. The manager ask me to call the service line again, I called, there is a lady on the line, she said I can not get credit until XX/XX/XXXX! She said my account balance is too small, my claim is more than my account balance, she lied, in fact my saving acount have {$7000.00}. And her attitude is not respectful at all, when I said please speak slowly my English is not good, then she made weird noise, I have the phone records.
Consumer complaint received 2020-12-03
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: CITIBANK, N.A. (NY)

I have been disputing this Authorizer user account with XXXX  XXXX and XXXX MACYS XXXX multiple times. I already sent letters directly to XXXX XXXX MACYS XXXX, XXXX  , and XXXX requesting removal from this derogatory account. I already sent a total of 5 letters just for this request. I am not responsible for this account but it continues to give a negative impact on my credit score. I did all my resources to fix this issue with them. But the only response that I received reporting this account as valid in my credit report. 

I am not responsible for this debt. Please remove me as an Authorized User and delete this from my credit report. Filling a complaint would be my last option for making sure that XXXX XXXX XXXX  would do my request. 

1. XXXX  XXXX XXXX  XXXX MACYS XXXX
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

In XX/XX/XXXX, I paid an additional {$2200.00} as the company said I was short on escrow by that amount. This is due to the fact that in XX/XX/XXXX, they paid me out of the escrow $ XXXX in error because they did not calculate properly. 
On XX/XX/XXXX they paid my homeowners my homeowners never received the payment On XX/XX/XXXX, they paid my homeowners again. 
XXXX in the escrow dept said that the homeowners refunded the double payment, but my escrow account was not credited the {$2300.00}. Only the withdraws are showing. 
On my mortgage statement, it shows {$4700.00} paid to Homeowners On my statement, it shows my YTD Escrow payments as {$5900.00} My escrow balance is showing {$2900.00}. 
If I made a {$10000.00} payment to principal and my XX/XX/XXXX payments are {$760.00}, then how is the PAID YTD on my statement only {$16000.00} which does not even include XXXX - XXXX payments. 
with all of their errors i feel like I am playing the shell game with my money and trying to find it.
Consumer complaint received 2020-11-20
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. (FL)

I am submitting this report in hopes of fraudulent account removal from my credit history. I have attempted to search for the school that was shut down due to fraud and unfortunately someone used my information to attend this school and now I am being held financially responsible for a loan or tuition for a school I never attended. I have also noticed accounts for banks and credit cards that I am not understanding is tied to me in any way. I am hopeful that this will be resolved so that I can build my credit for myself to financially take care of my personal life and responsibilities.
Consumer complaint received 2022-07-12
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. (MT)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these item are being reported correctly? Who verified these account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date opened XX/XX/2015 XXXX {$0.00}
Consumer complaint received 2022-02-03
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: CITIBANK, N.A. (FL)

Re : Identity Theft Notification To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my ID and social security card as proof of my identity. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : - XX/XX/2020 XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-08
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: EdFinancial Services (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-11-20
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. (OH)

XXXX account on my credit report needs to be removed as I am no longer on the account, as an authorized user, and it is affecting my credit score. The account needs to be removed from XXXX  and Equifax. I have enclosed the letter from XXXX XXXX. 

Thank you in advance for your assistance.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I received a call from my mom, she was crying and a man told me he had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Long story short and 8 minutes later, I had been forced to send a XXXX and XXXX transaction to this man for {$1000.00} each. After texting my mom 's phone confirmation of the payment, my mom, very confused, called me to tell me she was completely fine. 

I immediately notified Wells Fargo and XXXX. XXXX prevented the transaction from completing within the day and confirmed they did so because it was not considered an " authorized '' transaction. 11 days later, Wells Fargo refused to refund my money and stated it was because I authorized XXXX to make the payment and that XXXX was a third party, one that Wells Fargo was not responsible for. I appealed the decision with Wells Fargo Executive Offices and was refused twice. I also requested documentation of the decision but have yet to receive those documents. When I asked about the fact that Wells Fargo OWNS XXXX and created XXXX from XXXX XXXX XXXX XXXX XXXX ( a corporation created by the major banks ) they did not provide me an answer. I also appealed the decision on the grounds that the Electronic Funds Transfer Act requires financial institutions to refund customers that were forced to withdrawal money from ATMs while under threat/duress and this situation is no different. Again, no response from Wells Fargo. 

I understand I only lost {$1000.00} but I can not accept the fact that Wells Fargo told me it was my fault for using a third-party money transfer company which they own, they endorse on their app and they allow their customers to continue to use despite admitting there are signifcant issues with the program. XXXX is their scapegoat which allows them a loophole to avoid compliance with the Electornic Funds Transfer Act. This further does not make any sense when a company like XXXX, was far less resources, was able to address the situation swiftly.
Consumer complaint received 2022-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IN)

I sent a certified letter on XX/XX/2021 to Navient asking them to stop contacting me about my student loans. They continue to call me, at least once a month, including calling family member 's whose numbers I never gave them. They are also reaching out via email to multiple email accounts. The phone calls and emails have been increasing in frequency ( now at least weekly ) in the past month. I have told multiple representatives that I do not want to be contacted about this debt, that I am aware it exists but am unable to pay. I have told them that I sent a certified letter asking for them to stop contacting me. I told them to stop harassing me and my family. I would not be surprised if they are reaching out to old employers as well, as they have in the past. I received another call today, less than a week since I spoke to the last representative.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX  is the only one, well XXXX  as well that is showing wrong information accounts that do not belong to me, that is why Experion delated them. They are also letting 3rd party reports appear on my credit report, which according to the guide lines of the fair credit act is against the law. There are also soooo many inquiries that they won't remove. I have not one clue why they are there. I have spent 3 years trying to clean up the messes I found once I knew what to do. why on this earth would I apply for anything knowing I do not HAVE ANY CREDIT. the say they wan na help but XXXX. does what they want. I AM SICK AND TIRED OF THEM NOT ABIDING BY THE LAW AND GETTING AWAY WITH IT.
Consumer complaint received 2018-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

I have applied for the Public Service Loan Forgiveness program with regard to my student loan. In XX/XX/XXXX I called to check on the status. They said that I was paid ahead and that I was not eligible. They did fix this. They then proceeded to tell me that within 90 days, I would be able to see the status of my qualifying payments that are applied to the PSLF program ( to have your loan forgiven there are stipulations, along with 120 payments ). After 80 days I called, they told me it hadn't been 90. After over 100 days I called, they still didn't have the information, I called again recently and they still didn't have the information. Its been over 200 days since the initial inquiry. Before XXXX took the loan over from XXXX, I had applied for PSLF ... all in all, its probably been over a year since anything has been reported to me. Recently I sent in my recertification of employment, however, this is not required to be done ... just a good idea. In the end, I would like to know how many of my loan payments have qualified me since I have been making payments for almost 10 years now. I don't suspect I have made 120 qualifying payments quite yet, however, I know its far greater than 0, as it indicates.
Consumer complaint received 2023-02-14
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 accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bank : account # XXXX XXXX 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 2021-10-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (TN)

I obtained items using credit through acima lending in XXXX. 
The pandemic nearly cost us everything and we faulted on this debt. Acima leasing told me that the debt was closed on XX/XX/XXXX. On XX/XX/XXXX they charged my debit card XXXX. The card they charged ( which is a new card ) they never had any information about. I never gave them the new debit card information or the new bank it was from. This information was obtained by them through possible illegal methods. I have the bank record to show that the charge date of XX/XX/XXXX. 
My best guess they are doing illegal activities to obtain this information without a court order. The main issue is that I am 100 % positive my new debit card information was never given to them ever.