davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I refinanced my home and had a escrow refund check for XXXX mailed to me on XX/XX/XXXX it was stolen out of my mailbox, I know this because the perpetrator opened a XXXX virtual wallet account in my name using my SSN and deposited my refund check as well as 2 other checks belonging to other 's in that account and the statement 's and letter 's i did retrieve out of my mailbox. I contacted Lakeview right away before the money was withdrawn and assumed that they had stopped payment, only to find out today that this check had been cashed and no other check has been issued. I can not seem to get Lake view loan servicing to reissue another check, they have repeatably lied stating a second check was mailed out on 3 different dates, also stated they would expedite and overnight a new check. But they can not give me a check number associated with the supposed second check. However today they stated that i needed to file a police report and call XXXX XXXX which is their bank account. XXXX XXXX would not of course do anything because it is Lake view 's bank account and police told me to go to the Postal Inspector which I did. 

I can not seem to get any resolution or help with Lake view, which technically owes me this refund. 

I can provide copies of the XXXX fraud account that was opened that shows were the check and others were deposited. I also notified XXXX that I did not open this account and to close it and return the funds, I assumed that was done, however I found out today that also did not happen. I am also notifying the XXXX and identity theft .gov as well as the Federal Reserve about this matter. 

if anything furthur is needed please contact me Lakeview as been giving me the run around since XXXX I have called Lakeview and XXXX numerous times about this and have documented all dates..
Consumer complaint received 2023-01-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-05-20
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: Account Control Technology, Inc. (CA)

ACCOUNT CONTROL TECH is a collection agency collecting for XXXX University in the amount of {$4100.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and CCPA to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.
Consumer complaint received 2020-05-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (CA)

This is not a complaint. Its acually a request for help. This situation is being overwhelming for me now. This is about a mortgage account. The account information is the following : Specialized Loan Mortgage account # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$390000.00}, joint account. 

We have a perfect payment history on this account since it was opened in XXXX ; until XXXX and XX/XX/XXXX that I was marked late. XX/XX/XXXX payment was received on XX/XX/XXXX but they marked it as received on XX/XX/XXXX, and XXXX, payment was received on XX/XX/XXXX, but they marked the late again! 

The issue was that we made payments before we were over 30 days late, but the lenders system took the payments in for the next day. 

Also, I called in XXXX to get a deferment due to income being affected, and being quarantined due to Covid, but I was put on hold for hours and could never get through. 
This was lenders negligence and unfair business practices, they were giving deferments but he could never get through on the phone to get deferment. 

Finally, when I got through months later, they said that I could get a deferment now for the coming months but not the previous months. Therefore I couldnt get a deferment. They need to backdate deferement and mark my account current for months of XXXX and XXXX. We are living dificult times, and I hope to get a fair solution to this matter. I am requesting to get the XXXX late payments corrected. 

Thank you so much.
Consumer complaint received 2023-01-30
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. (AZ)

I have multiple inquiries, incorrect name spellings, addresses, employers on my credit report. I have been sending letter after letter for over one year with no help or progress. Recently XXXX responded to me and stated that no company needs permission to run my credit. Please help
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Bank of Baroda - New York Branch ()

Hello sir my name is XXXX XXXX XXXX and On XXXX XX/XX/XXXX i applied for XXXX XXXX credit card on XXXX XXXX they opened it but XXXX not say that its activation charge are XXXX that not a major problem on XXXX XXXX i made a payment on XXXX that got failed but amt charged in credit card did not reversed till now also when i using my card they unfortunately blocked my card when i contact them they says you have called and request for card blocking and this will not unblocked you have to replace your card with charge XXXX also that is not a major problem. 
I have made advance payment of XXXX rupees in advance and i closed my credit card on XXXX of XX/XX/XXXX and i mailed them from XXXX XX/XX/XXXX but till now they have not transferred my advance payment in my bank account. 
Such a worst experienced i faced from them.
Consumer complaint received 2020-05-20
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. (CA)

XXXX XXXX XXXX is a collection agency collecting for XXXX   XXXX University in the amount of {$4300.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and CCPA to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Good Morning, On XX/XX/2020 I tried to receive my free annual credit score from XXXX, Transunion, XXXX, and XXXX. I was unable to receive it due to not being able to confirm my identity despite using the correct information.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XXXX XX/XX/2020 I opened a savings account with Capital One 360 Online Bank. At that time I requested that my savings account at my local brick and mortar bank  be linked to the Capital One 360 so that a transfer of {$50000.00} could be made from my local bank. The instructions for linking and verifying my local bank savings account stated that two small would deposits would be made in the next few days to my local bank savings account and that I should report the amounts online to Capital One 360 Online Bank to verify the transfer process. 

From XXXX XX/XX/2020 to XXXX XX/XX/2020 I spoke to many ( 6-7 ) individuals representing Capital One 360 Online Bank about their inability to send those two verifying deposits to my bank. The reply many times was they were being sent. Later, on XXXX XX/XX/2020, I found out from my local bank there were no records of verifying deposits attempted to be made until XXXX XX/XX/2020. With no other choice, on XXXX XX/XX/2020, I was able to initiate a transfer of {$50000.00} to Capital One 360 Bank via other means of transfer which were not available to me until XXXX XX/XX/2020. 

When I open the savings account at Capital One 360, I applied for a XXXX for depositing and maintaining a balance of {$50000.00} in my Capital One 360 Savings account. However, Capital One is denying me that bonus based on a funding requirement maximum of ten business days that was not met. The funding requirement was not met because Capital One did attempt to make verifying deposits until XXXX XX/XX/2020. Their attempt at marking verifying deposits of {$.00} and {$.00} were rejected by my local bank because of a transaction code error on Capital One 's part. 

I believe that the above interaction between myself and Capital One 360 Online Bank may be considered a 'bait and switch ' fraud. 

Please note : As of today, XXXX XX/XX/2020, I have not been able to access my {$50000.00} in the Capital One 360 Bank to return them to my custody.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (PA)

To whom this may concern, After reviewing the updates made to my credit report. Your company is reporting inconsistent last payment dates, incorrect credit limits, along with inconsistent last dates of activity. According to my credit report, This alleged charge off is over 9 years old your company should no longer report this debt to the credit bureaus. Please delete this alleged charge off from my credit report due to inconsistent reporting, statue of limitations has passed, and lastly due to reporting on debt over 7 years in the state of XXXX 

Kind regards,
Consumer complaint received 2020-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I went to a class at XXXX XXXX XXXX Florida for as little as two weeks before dropping the class, I couldn't make the class because of work schedule changes. There was apparently an amount for a STUDENT ID that I needed to pay that I never was notified about for some reason. I then got a notification that I had a collection on my account, I contacted them immediately and was notified that once I pay the debt it would be removed from my account. I have filed a dispute with XXXX ( who is the ONLY creditor reporting it ) and the company " Conserve, XXXX XXXX XXXX, XXXX, NY XXXX '' filed to collect the debt will not remove as I was told on the phone. 

This is ridiculous that I don't even attend a college for a full semester, don't take a full class, never received mail, and now have a collection I was told was going to be removed that is affecting my finances over a student ID card that somehow amounted to {$210.00}!? Not only bad practices by a state University putting collections on, as I read online happens a lot with them, multiple students records over a Student ID card. Horrible, I can't imagine how many other students this has effected.
Consumer complaint received 2023-01-27
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. (TX)

XXXX Account # XXXX is reporting transaction history since the opening of this account and should not be. It is illegal to report transaction history under 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2023-01-27
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. (MD)

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-30
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 15 U.S.C 681 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 an account without my written instructions. 


XXXX XXXX XXXX ALSO BROKE FEDERAL LAW BY DISCLOSING TO ME ANOTHER PERSON ACCOUNT INFORMATION AND ACCOUNT NUMBER. THIS COMPANY NEEDS TO BE SHUT DOWN IMMEDIATELY.
Consumer complaint received 2023-01-30
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)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-01-30
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

According to the Fair Credit Reporting Act, Capital one Auto Finan Account # XXXX has violated my Rights. 
15 US Code 1681 c2a consumer reporting agency shall block the reporting of any info in my file that I did identify as a reusult of identity theft no later than 4 days after the receipt.

it has been over 30 days and you are in violation of this law because I am a victim of identity theft.

I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. NO Consent IS IDENTITY THEFT, As a consumer i am demanding deletion immediately
Consumer complaint received 2023-01-27
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. (NY)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tesla, Inc. (AZ)

I had Tesla install solar panels on my house. When they installed the panels I financed a loan directly through Tesla for 50 % and put 50 % down. 

I have decided to sell my house so I need to payoff the loan and get the XXXX removed from my house. 

On XX/XX/XXXX Tesla sent my a pay off quote and on XX/XX/XXXX I wired {$15000.00} as required by the payoff quote. 

Since wiring the money to Tesla they won't update my account showing I paid and they will not even say they received the money. Tesla won't acknowledge that I paid and are still charging me the month payment amount. 

I call Tesla nearly daily and they say it is processing. When I first for the pay off quote they said it would take 5 business days to process, not 60+ days. 

This is preventing me from sell my house and as of now it just looks like Tesla stole {$15000.00} from me. 

I have already had a buyer walk away because I couldn't prove the loan was paid off.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-27
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX