davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I've sent notices multiple times to the Credit Bureaus regarding Fraudulent accounts and they've yet to remove accounts. FTC Report was filed and submitted along with proof of my identity to XXXX, XXXX, & XXXX. XX/XX/22 and XX/XX/22. As a consumer I'm supposed to be protected and they have violated my rights. Due to their inability to remove items I've been denied a mortgage loan for me and my family. My next step is to file a lawsuit against the credit bureaus for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance 15 U.S.C. 61681n ]
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (MS)

I received notification from diversified adjustment that they were collecting a debt on behalf of XXXX. I contacted XXXX because I transferred services from XXXX to XXXX XXXX XXXX in XX/XX/2021. I paid my balance in full after my transfer was complete. I requested that XXXX provide me with detail billing. I didn't hear from XXXX but was contacted by Diversified Adjustment. The letter from diversified ( attached ) stated that if I write them for validation before XXXX they will stop collection and validate the debt. ; I requested detail proof. 
I have attached : 1. letter from Diversified 2. Certified Mail Receipt from two request XXXX and XXXX 3. Confirmation of payment to XXXX : XXXX paid XXXX XXXX. Confirmation of payment to XXXX : XXXX paid {$120.00} my last payment I have been with XXXX XXXX XXXX  since my transfer in XX/XX/2021 XXXX
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (FL)

Was supposed to relieve reimbursement from XXXX XXXX They used a company called Wise. They did the transfer 10 days ago and the money never hit my account. No one responds to inquiries via email and chat. Also you can not call. I think the whole operation is a scam.
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2022-06-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I had a second mortgage with XXXX XXXXXXXX XXXX on property in XXXX, XXXX XXXX I filed for bankruptcy XXXX  years ago Had an agreement with XXXX  XXXX XXXX to pay {$100.00} towards the loan until completion. 
I have paid {$100.00} a month according to agreement for almost the last XXXX years. 
I paid XXXX XXXX XXXX XXXX months for XXXX {$1600.00} ( Attached ) XXXX XXXX XXXX sold to XXXX XXXX 
I paid XXXX XXXX for XXXX  months XXXX {$2500.00} ( Attached XXXX XXXX XXXX sold to Specialized Loan Servicing. ( SLS ) I paid SLS XXXX XXXX {$3100.00} ( Attached ) SLS acting as Loan sharks, by start of COVID-19 demanded more money, started extortion by harassing, terrorizing elderly ( I am close to XXXX XXXX XXXX ). with threats of " XXXX '', foreclosure, short-sale ...., .. creating such a stress that I developed XXXX XXXX and was XXXX 
I was forced to offer a settlement agreement of {$10000.00} ( borrowing from HUD and others ), the loan shark SLS counter offered {$11000.00} that I paid ( Attached ) The second mortgage is closed, mute. 
But the XXXX  SLS is after XXXX again that is equal to a XXXX XXXXXXXX 
I hope that the XXXX  organization be stopped before endanger our lives.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had did a stop payment on a bill due to I had a more important bill due that couldnt be missed. During this time everybody XXXX near broke in America the only way you guys are willing to refund a fee is if we sick or unemployed. I been with you guys about XXXX yrs now I only ever did like XXXX refunds and all these refunds just started happening while we in the pandemic and now prices of food gas everything expensive. I would like to have my {$30.00} stop fee refunded please. Also your workers should ask if theres anything else they can assist us with instead of sounding like we being rushed off the phone
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 — Account information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/2021 : XXXX XXXX XXXX reported account closed XX/XX/2021 : XXXX  XXXX XXXX reported account closed - again - duplicate information no debt of any kind, account in perfect standing ( see attachment )
Consumer complaint received 2022-07-08
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-12-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-07-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services (GA)

REF XXXX, Lendmark has violated the Equal Credit Opportunity Act and has discriminated against me. I exercised my right in good faith under Title 15 by stating the various ways that that Lendmark has violated Federal Law and then I pull my most recent credit report and they have charged off the account which is now another negative mark. This constitutes discrimination and they are liable to violating yet ANOTHER Federal Law.
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (VA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX*Balance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$920.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3500.00}
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

OnXXXX I received a text from what said to be Bank of America asking if I authorized a XXXX  payment of {$3500.00}. I responded no ans immediately received a phone call from Bank of Americas XXXX number. The person on the phone said he was from the banks fraud dept and he was going to help me reverse the transaction of the XXXX  payment someone from XXXX ga illegals made from my account. He verified lots of information just like the bank does when you speak to them then he told me in order to revere this and get my money back I would have to XXXX  the money back to Myself. XXXX accounts are made/ used with your phone Number so I did just that like he said I only had {$1600.00} in my account so he said that was the ammount I had to revere so I was coached on how to revere this which was going into my app to the XXXX part and sending my self the {$1600.00}. I was then told I would get new banking credentials since my account was hacked. About an hour later when I realized I never received them and then saw all of my money was gone I called the bank. I was scammed out of my entire account. I made a police report that same day XX/XX/XXXX. Bank of America advised me it would take 10 days to resolve. I called after 8 days on XX/XX/XXXX I was told my money would be refunded back to my account within 48 hours which would have been XX/XX/XXXX. No funds so I called again on XX/XX/XXXX I was told no decision was even made so he wasnt sure why the rep on XX/XX/XXXX told me I would have a refund by XX/XX/XXXX. This rep told me it had been escalated and that I would have a decision by end of day XX/XX/XXXX. I never heard back so I tried calling on XX/XX/XXXX bank was closed until XX/XX/XXXX. On XX/XX/XXXX I called and was told that the decision was made in my favor to refund me the money and I would have the refund my end of day XX/XX/XXXX. I made plans that day to go purchase a vehicle because my vehicle was recently totaled. I did this based off the information I was given by Bank of America. I never got the funds on XX/XX/XXXX checked again early XX/XX/XXXX no funds so I called again at XXXX on XX/XX/XXXX rep tells me no decision has even been made yet. I would have to wait for the decision so she cant even tell me if Ill get the money back at all. I requested to speak to a supervisor I was told Id receive a call back from a supervisor or manager but have not heard back.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

XXXX, XXXX successfully accepted and applied all payments made on XX/XX/XXXX, through XX/XX/XXXX. I have attached the full payment history to date on this recently closed mortgage loan. The payment history reflects my payments made on XX/XX/XXXX but applied on XX/XX/XXXX through XX/XX/XXXX. I intended to pay ahead until I catch up to being half a year in advance of my mortgage payments, while also paying more on principal each month. Unfortunately, that same day it looks like they reversed some payments but misapplied them on the second round. On XX/XX/XXXX at XXXXXXXX XXXX they sent an email that looked spammy/phishing alerting me that my loan was past due. I am anxious that this will reflect negatively on my payments on time section of my credit report and put me at risk of default and foreclosure on my home. My desired resolution is for them to adjust this payment misapplication and error immediately given the severity of financial harm to me if they do not. I would also like for them to take corrective action and establish a permanent fix for the tech they are using to apply payments. I made payments on XX/XX/15, but they weren't applied until the XXXX. This could also harm someone's credit. Please work with this mortgage servicer to ensure they are not intentionally attempting to harm consumers via mortgage servicing late fees due to misapplication of payments.
Consumer complaint received 2022-07-18
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)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$620.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I have disputed these inquiries as fraudulent and Exquifax refuses to remove them XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Orion Portfolio Services, LLC (TX)

I believe this to be a legitimate scam. I received a letter in the mail on XX/XX/2022 from XXXX ( XXXX XXXX XXXX ) I've never heard of them or the Creditor : Orion Portfolio Services. Several of the phone numbers i found to contact both companies, don't work and the one that does, goes to a very suspicious routing system and i never get a person or resolution. The letter says i owe {$1100.00}.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

In XXXX we were noticed by Loancare that they had not rec 'd our mortgage payment, we immediately contacted them that the payment, check XXXX for {$460.00}, was mailed XXXX XXXX. At any rate we mailed a check immediately in the amt. of {$980.00} via registered mail to cover the paymt that had not arrived and for the next month 's payment plus the late charge. We then learned that Loancare had noticed the credit bureau that we were " delinquent '' resulting in the deminishment of our credit rating!!! Fast forward to present ... On this month 's bank statement that we use solely for the property I noticed a check XXXX for {$460.00} had gone thru. Our current payment w/loancare is now {$500.00}, but I remembered the amt. as that of the former paymt. 
Loancare did not contact us stating the XXXX XXXX XXXX check had been applied. 

The {$460.00} check showed up in our statement. We went to our local bank to obtain a copy of the check, the one dated XXXX XX/XX/XXXX the reverse side shows it deposited XXXX XXXX XXXX this also confirmed by talking to a Loancare person. We received no information as to whether/how this amount would be applied to our acct. Loancare would not provide us with any information on when they received the payment, nor how it was processed. Loancare should have a record of when they received the payment, by copy of the envelope and copy of the payment notice sent by us as required. 

However that person seemed to imply I needed to " prove '' where the check had been all this time... I told that person they needed to prove it was not mishandled in their office! AT any rate we feel we have been wronged in that Loancare did not notify us about the " errant '' check arriving nor did we have any say how that overage was to be applied. Loancare has an email address for us because we have asked affirmation of payments rec 'd due to the former mishap. This is mention to illustrate how easily we could have been informed in this matter. Only we have made contact tho " loancare seems to put responsibilty on us for cleaning up their mishandling. Upon receipt of that " late '' check we should have been notified, we should have had a say in how that amount should have been distributed. I would have preferred those funds be applied to the escrow account. I feel Loancare should retract the report to the credit bureau so our rating can be refurbished, I feel Loancare should reimburse our late charge. We were not remiss in payment as our payment history w/that company can establish. Our current bank statement shows that we are currently writing checks in the XXXX 's, quite a discrepency from the XXXX. We have gone to great lengths to try to have Loancare clear our names in this matter but they say it is our responsibility. 

Please contact us and let us know what additional information is needed, if any, to help you in the complaint.
Consumer complaint received 2022-07-08
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)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. This item is inaccurate or incomplete because the account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 

Please conduct another investigation on these matters and delete the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX
Consumer complaint received 2022-07-08
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)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. This item is inaccurate or incomplete because the account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 

Please conduct another investigation on these matters and delete the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX CARD XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

My credit score had been dropped significantly due to incorrect account information. Im in the process of mortgage loan modification with santander bank after 18 month Covid forbearance. I chose loan modification as my repayment option and resumed monthly mortgage payment ( starting with three month trial payment ) right after 18 month Covid forbearance and never missed payments since XXXX. however, outsourced santander banks loss mitigation dept is keep delaying loan modification process and never finalizing nor updating the status of my loan account. Seems like, loss mitigation dept and Santander bank are not communicating each other, As a result, santander bank reported my mortgage account as delinquent. How can i revert back my credit score? Santander bank eliminated their mortgage dept. couple month ago and outsourced mortgage service to other company and outsourced servicing firm is not finalizing my loan modification document. They supposed to finish modification process last XXXX after three month trial payments. Please help me.
Consumer complaint received 2022-07-08
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. (GA)

After a thorough research of the accounts I Im responsible for I contacted Experian to verify the accuracy of my report and the inaccurate data reporting for months to possible years In accordance with the Fair Reporting act Experian member Id XXXX Has violated my rights 15 U.S.C 1681section 602 A. States I have a right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions