davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I have called multiple times and attempted to get escrow amount corrected. I have a homestead on my house that clearly shows the discounted amount, but Lakeview has continued to give me the runaround.

I have been calling for two weeks after uploading the documents they requested. After getting off the phone today and told they are still working on it, I received am email ( ref XXXX ) told that they cant adjust until the end of the year. 

This means they expect me to pay over $ 100 month extra unnecessarily. I am in the middle of a refinance and do not want this affecting me because Lakeview refuses to get account corrected in a timely fashion per FCRA. 

I have made several attempts to get this resolved so I can make this months payment with nothing happening.
Consumer complaint received 2020-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

PayPal has not only locked me out of my account without cause for over one year, it has also illegally kept my money ( for that amount of time as well. One of their XXXX  male customer service reps representatives was talking to me lower than an animal and I didn't stand for it, so he cut off access to my account WITHOUT CAUSE. I didn't violate any of their Terms of Service. I have tried in numerous ways including going to small claims court to get them to refund my money that he ( and other Paypal reps ) admitted that was going to go back into my account to no avail. I now have to file it in District Court but due to the coronavirus, I have to wait to do that. When he shut my account down, it stopped the transfer of the funds going back to my bank account, so they have been in illegal possession of my money for over a year ( even their TOS says any hold will be no longer than 6 months ). 

Paypal also let a scammer ( XXXX XXXX ) keep money ( {$170.00} ) of mine even after I told them I didn't receive the services I paid her for. Other people have been scammed by her and Paypal refunded their money, but due to the above situation, they won't refund mine.
Consumer complaint received 2020-05-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

When XXXX XXXX and XXXX  XXXX XXXX reported incorrect balances it took my credit score down 85 points. When the bureau updated they gave me 2 points. I would like ALL of my lost point restored. I am trying to purchase a home and dont have much credit anyway, so my credit it very important to me. XXXX reported a late payment after they gave me an extension due to COVID and I have the letter. I want it removed and the points taken for that restored as well.
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Admin Recovery, LLC (MA)

Company called my cell phone which I did not answer. Immediately they called the house phone where I am staying with family. It is not my house or my phone line. Called twice that went unanswered. Back to back. Immediately called again and call was answered and hung up. They immediately called back and were told not to call that number. They immediately called back again and after I told them they had just repeatedly called multiple times they didnt call back.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
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: EQUIFAX, INC. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX Late Payment from XXXX  XXXX XXXXXXXX Late Payment from XXXX XXXX XXXX Late Payment from XXXX XXXX XXXX XXXX Bankruptcy I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2020-05-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Associates (VA)

1 ) XX/XX/XXXX responded to allegations from Piedmont Credit & Collection Services, XXXX XXXX XXXX, XXXX VA with Notice of First and Final Warning, requesting, in part, they cease all communications with me, and a Notice of Final Payment for the alleged account along with a money order. 

2 ) In a letter dated XX/XX/XXXX Piedmont Credit & Collection Services declined my offer and returned the money order stating they would cease further communications with me regarding this account ( see attachment ). 

3 ) Contacted again by phone in XXXX XXXX by Acct Rep. XXXX XXXX regarding a collection. Requested she mail it to me to look over. Same collection notice as before. Responded with a copy of their XX/XX/XXXX letter and again requested they cease contact. 

4 ) Contacted by phone or about XX/XX/XXXX by unknown acct. rep. who stated she had been trying to get in contact with me. Noticed she stated bills were from XXXX. I was confused and asked her to mail it to me to look over. Then I questioned her about the dates and started to write them down, but she suggested just mailing them. Received letter postmarked XX/XX/XXXX with same account, same dates but with with higher amounts and a newer one added. 

5 ) Responded XX/XX/XXXX explaining everything once again and requesting they cease all communication with me. 

6 ) Over six years of periodic contact after stating they would not contact me..
Consumer complaint received 2020-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

This nightmare happened when I got locked out of my online account. I believe something is wrong with the site, because the security questions did not allow me to gain access, And I know I answered some of them right. But still didn't allow me to gain access. 

So after a number of attempts the site automatically locks you out, and tell you to call the company and you have to speak with agent to have them reset the account. 

I have been calling BSI since monday, leaving messages, e-mails multiple times a day and I get no call back, no e-mails. 

BSI uses the same number for everything ... .For example, I found a number on their website for " Sales '' XXXX it sends you to the same dead-end phone tree. 

Now, I must mail the payment over. I do not like to send my payment through the mail : 1 ) I don't own checks so I have to pay for a money order 2 ) I have to spend time , drive wait in line at the post office 3 ) Pay a higher fee so that the check can reach them on time They said if they don't get the check before the XXXX I will be charged with a late fee? 
how can that be fair that they can charge that? I am trying to gain access to my account ... .they have the power to unlock the account, but nobody is working. 

Also no real indication on what they are doing through the crisis. Nothing telling the customers about the lack of resources ... or other options to pay, If you want to pay over the phone it sends you to the same dead phone tree.
Consumer complaint received 2021-10-28
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (DC)

This debt is not mines, I have no knowledge of this debt until it was posted on my credit report. Please remove from my credit report. Provide a signed contract from myself, proof of validation. Please I will not email you. I want all communition done between CFPB and this company done via this complaint. This is my second attempt to have this removed from my credit report. I provided enough information for you to do a thorough research. I have uploaded what I have of this debt that is reporting on my police report. Maiden name is XXXX
Consumer complaint received 2020-05-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-05-13
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: Rocket Mortgage, LLC (NV)

On XX/XX/2020, I received a voicemail from Quicken loans @ XXXX XXXX. Stating my account needed an upgrade. I called back the number XXXX and the number went to a generic voicemail. I then called Quicken loans directly because I have my home loan with them and was concerned something was wrong with my home loan. I was transferred to a woman named XXXX who requested confirmation I was the individual calling and she preceded to update my personal information. We discussed refinancing and I specifically told her NOT to run my credit that I was going to go to my local credit union and discuss rates within with them in the next two weeks. I hung up. A few minutes later I received a email stating my credit report was run. I contacted Quicken Loans dispute center and explained I absolutely did not give my permission to run my credit. The complaint department, spokesperson XXXX stated because I gave her my ssn that implied I gave consent. I gave my ssn because she requested it to verify it was me and stated she needed to update my information. I am almost XXXX years old, working full-time and caring for my XXXX husband. I depend on maintaining a good credit score in the event of needing credit. This has caused my credit score to go down. They never had my consent to run my credit score. They will not remove the hard inquiry. It stays on my account for 2 years. I have no other choice but to bring the complaint against them now with consumer finance.

They totally duped me from the first call under the pretense that I was missing information and then ran my credit score without my permission hurting my credit score. Please help me.
Consumer complaint received 2020-05-13
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. (GA)

I have sent all required information into all 3 credit reporting agencies ... .XXXX is the only bureau that followed Section 605B of the FCRA ... ... EXPERAIN IS STILL REPORTING 2 FRAUDULENT ACCOUNTS : XXXX, XXXX # XXXX {$2300.00} XXXX XXXX ( XXXX ) # XXXX {$840.00} AND 2 INQUIRIES : XXXX XX/XX/2019 AND XXXX XXXX XX/XX/2019 XXXX   CONTINUES TO REPORT 1 FRAUDLENT ACCOUNT : 11 XXXX ( XXXX ) # XXXX {$2300.00} notice how 2 of the accounts have the same account number but different creditor names ... .these accounts are fraudulent ... ..I will attach the original ID THEFT AFFIDAVIT that was submitted and the 3 report comparison and you can see the major discrepancies ....
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (NJ)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX  XXXX XXXX. Account # XXXX Account name : XXXX XXXX  XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX  XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX  XXXX. Account # XXXX Account name : XXXX XXXX  XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX  XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 section 602 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 or 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 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OR)

I called Equifax to check on a problem with my credit score and history reporting not being accurate. They asked me to use an authentication app and submit pictures of my ID and a photo of myself. They received my picture info and told me they couldn't verify who I was and that I could not re-submit my picture or try again. 
They said that the only way to get info from them now, was to write a complicated letter including pictures of me and my ID. This is going to be a very time consuming process and I shouldn't be forced to do this by a company that has a complete monopoly over the nation 's credit reporting information. 
It is very possible the problems with my credit report was caused by Equifax but all of the burden for resolving the issue is on the customer.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

On XXXX XX/XX/2020 @ approx. XXXX I called IQ Data International, Inc and spoke to Mr XXXX XXXX . This call was regarding an account they have for me from the requests of another organization. I explained to Mr. XXXX that the information that was provided to his company from that company was based off of fraudulent information and asked him what his company needed from me in order to have this account deleted. I explained that I had documentation that would dispute that company 's claims. He then rudely tells me that he " doesn't care ''. He then goes on a 2 min rant on how the eviction process works and that he hears stories like mine multiple times a day. When I told him that what he just explained wasn't true in my case he said " so I just wasted 2 mins of my life and you weren't even listening '' And when I told him I was but the information he was given wasn't correct, he said again " you weren't listening '' When I calmly asked him why he was speaking to me that way he begins his rude and disrespectful tone with me again. I then asked to speak to his Manager, and he said " no ... my manager trained me ''. At that point, I decided I would no longer accept his verbal abuse and said " ok '' and hung up as he started in once again. I believe when Mr. XXXX first got on the line he said " my Supervisor is ... .XXXX  extension XXXX '' but he was speaking so fast I couldn't understand clearly. I understand this company is in the business of collecting a debt but does it do so knowing the information provided wasn't accurate?? I'm not sure but I believe this may be illegal. Harassing people over false information and then refusing to accept the truth. He just simply dismissed everything I said as lies, not ever telling what I needed to provide to him to prove my case. But regardless, to speak to someone in such a harsh demeaning manner, especially when unprovoked, is mind boggling to me. I believe this call was recorded
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc. (RI)

- I am currently making monthly payments to a hospital directly which are being accepted. 
- I received a notice from Credit Collection Services dated XX/XX/XXXX looking for payment. 
- I sent a cease and desist letter via certified mail which was received and signed for on XX/XX/XXXX. 
- The cease and desist letter was ignored and I received another collection letter dated XX/XX/XXXX. 
- The collection agency also attempts to call on a regular basis, going against the cease and desist letter.