davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

My home in XXXX XXXX< Florida was badly damaged in Hurricane Michael, after hiring a Public Adjuster I received my final insurance settlement on XX/XX/2019. I mailed the checks to Lakeview loan servicing XXXX, ( XXXX XXXX XXXX ), who bought my V A loan. I began the process to repair the home. I submitted contractor information and invoices, all were denied with no reason given, I hired a GC, Licensed roofing contractor, that all the other homeowners in my quadraplex agreed on, paperwork was denied. The contractor has done the work for all of us everyone else had no problem getting payment approved. I paid for emergency services, right after the storm, claim denied, local licensed contractor. I applied to the SBA Disaster Assistance Disbursement center, was granted a relocation loan to pay off the balance of the mortgage and borrow the money to buy a new home, I notified the mortgage company in writing of this transaction from the beginning, after 6 months of hard work on the part Mr. XXXX XXXX, and Ms XXXX XXXX of the SBA Disaster Assistance center, we made arrangements to finalize the loan, XXXX XXXX denied us access to escrow money ( {$230000.00} ) from my insurance settlement, they have blocked and denied all efforts to pay off the loan, and now insist that we pay {$270000.00} to close out the loan? I just want to be free of these criminals, I have been homeless for a year, I am a XXXX Veteran and this is a V A loan, how can they keep the money, offer no co-operation to the SBA and just behave as if this money is theirs? I have been lied to so many times I can't count them, have sent documents from the SBA and many faxes requesting closure, all denied, the SBA and myself started the closure process with a conference call on XX/XX/2019, the company is still stonewalling us, sent me an email saying that this has been resolved, no documents, one phone call, saying that they did not know how things got this way. I have sat down with the Veterans Justice Outreach Program, and spoken with an attorney, have filed a complaint with the Florida Office of Financial Regulation, as suggested, know I ask you please help, these people are doing the same thing to a lot of other people, XXXX XXXX service members, Veterans and many more, check them out on XXXX site, lots of complaints. Thank you for any assistance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX " XXXX XXXX '' XXXX XXXX XXXX XXXX, FL C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX< FL XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Consumer complaint received 2019-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a call from a Bank of America representative, the day right after my credit card payment was due. This was on XX/XX/XXXX and she had told me that the bank was going to close my account. I had asked them the reason and the associate had told me that they didn't have a reason to do so. I had kept the account in good standing. I then went to my local Bank of America branch and spoke to an associate there who called the Account closure line and we spoke to a very rude employee who said that they were going to be closing my account for no reason. The associates had said that my account had been closed due to account with XXXX   which is a popular stock trading app downloaded by thousands of users. I have done nothing to have my account closed and would like this resolved.
Consumer complaint received 2019-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (CA)

XX/XX/2019, I noticed a collection account placed on my credit report. 
Prior to this being placed on my report, I never received any letter informing me of any debt owed or right to dispute. 

XX/XX/2019 A letter was sent to this company asking them to remove this item. I still have not received a repsonse from this company. 

letter attached
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is a complaint against EXPERIAN, to ask that you please eliminate any accounts that were opened under fraud without my authorization or permission. In this particular case without my presence, I also ask to remove all inquiries that are reported in my credit report, that were also solicited without my authorization. EXPERIAN knows very well, that I am a victim of identity theft, for many years I have sent over police reports and complaints and new accounts keep appearing on my report. This complaint I'm making is because I have new police reports, with new accounts that have been opened under my name under fraud. This is the best and most effective way with all the documents that I will upload to dispute all the negative accounts that were opened. The accounts that I am going to dispute under fraud is 1 ) XXXX/XXXX, ACCOUNT # XXXX, 2 ) XXXX  XXXX XXXX # XXXX with balance {$730.00}, 3 ) XXXX XXXX XXXX ACCOUNT # XXXX with balance {$95000.00}, 4 ) XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$62000.00}, 5 ) XXXX/XXXX ACCOUNT # XXXX, 6 ) XXXX  XXXX  XXXX ACCOUNT # XXXX, 7 ) XXXX  XXXX XXXX XXXX ACCOUNT # XXXX, All of these complaints that I am making for being a victim of identity theft, are backed up by a police report I made XX/XX/2019, two days after I came back from XXXX. I left this country XX/XX/2019 and when I came back I came back to all these accounts that were opened under fraud. I am following the federal law, that will protect me against this Identity theft that I was a victim to, supported by the police report and Identity Theft Victims ' Complaint and Affidavit. Also, I am in contact with all of the other companies that have accounts and inquiries under my name which were opened under fraud because of my identity theft. I am making this complaint because I'm blocked from making disputes online, and I'm also mailing you my documents. I appreciate the support and good customer service you guys have given to solve this huge problem I've had at this time. You are the best company that helps people with these problems, I hope this issue get fixed promptly, thank you.
Consumer complaint received 2019-05-23
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've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX   XXXX
Consumer complaint received 2019-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

After using my US Bank debit card for purchases at a liquadation warehouse sale items {$26.00} purchased were defective, and did not work. Contacting US Bank with the details by phone opening a dispute with bank several times via telephone fax and letters US Bank did not dispute my charge as requested. 

The dispute department continually asked for documents repeatdely. I submitted the faxes with documents three times each time the US Bank invented a another request. 

Now after repeated submissions the bank did not reply with the outcome nor provide copies of merchant receipts. I would like assistance as US Bank has taken ther approach that they do not have to protect their clients from unscrupoulos merchants!
Consumer complaint received 2019-11-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

i have tried to have this incorrect reporting resolved for the past several months with no resolution it is still reporting inaccurately. This account has been reaged and is a violation. please delete this immediately.I have attached a copy of my credit report as proof XXXX is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX XXXX  is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX Equifax is reporting date of last active as XX/XX/XXXX and date of last payment as XX/XX/XXXX As you can see this account XXXX XXXX XXXX has been re-aged in is a violation please delete this from my report now
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I obtained a copy of my credit report and noticed multiple hard inquires that I did not authorize. I reach out to the credit bureau and they were unable to help me. Please remove these unknowns inquires as it is hurting my credit.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b.

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: REGIONS FINANCIAL CORPORATION (KY)

I moved at the beginning of XX/XX/2019. I changed my address and my cards all worked fine -- even my new zipcode worked at the gas pump. My address was correct on the account displayed on the website and I changed everything properly and timely. 

I was married on XX/XX/2019. On my way to my honeymoon, I stopped to get gas and my card doesn't work. My audible subscription trial doesn't work for the roadtrip. I spent 2 HOURS on the phone on my HONEYMOON to rectify the problem ( I had booked all the events on my Regions Credit Card ). I spent more hours fixing reservations until the card was cleared. 

Why was it locked? Because REGIONS put my street address down INCORRECTLY and the statement returned to the billing center. This apparently is policy. No TEXT, EMAIL, ONLINE WARNING, PHONE CALL was made to let me know that my card was locked. 

I incurred late fees on utilities and a myriad of other complications ON MY HONEYMOON. 

Region 's solution : " Well, I do apologize for that. If you have any fees that were incurred on your card, we can reimburse you. '' However, my fees were through the utility company and I switched payment methods. 

Thus, I canceled my credit card and soon plan to cancel my checking account with Regions ( 20 years loyal ). 

I was offered NO REAL RECOURSE. NO REAL RECOMPENSE. NOTHING. 

THIS PRACTICE IS NOT STATED EXPLICITLY ANYWHERE IN THE BILLING STATEMENT. " IF MAIL IS RETURNED, CARD WILL NOT WORK. '' OR " IF OUR BUSINESS MESSES UP YOUR ADDRESS, YOU HAVE TO BEAR THE FINANCIAL AND TIME BURDEN TO REMEDY OUR MISTAKE. ''
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (LA)

XXXX XXXX, XXXX XXXX I have contacted both companies and told them these are not my accounts I never opened them, never received goods for the collections they are reporting, I have asked for proof numerous times. I have disputed this for a few Years. Someone opened these accounts and received goods and Im being penalized for it. XXXX says I opened the account in XX/XX/2017 it shows an address of a P.O. Box in XXXX Louisiana, I was living in XXXX XXXX la with my ex husband bc he worked for XXXX in XXXX XXXX. XXXX XXXX I have no Idea where that came from bc I never opened it I have disputed this through XXXX XXXX, XXXX, and XXXX  and nothing. I can print copies of all disputes. The amounts change with every dispute so it says XXXX XXXX , XXXX , now today XXXX . XXXX XXXX says XXXX $ past due XXXX $ credit limit both companies say account confirmed and bump the dates of opening the accounts up and then the dates to fall off are now increased by 2 more years. I dont know what else to do they wont send proof I opened nor who opened it. They keep transferring companies and just keep reporting bad marks on my credit report. Its not fair bc it isnt mine. I work so hard trying to build my credit and this is tearing it down.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (TX)

I am a Senior Citizens that was diagnosed with XXXX XXXX and treatments limited my monthly funds. My funds was cut in half so I continued to pay this company. Now I no longer work because the XXXX metastasized and treatments are harsh. I am waiting on a decision for my Social Security that will much less that a salary. I want to make payments on items I purchased not someone else.

I've had several notifications of a Breach of Data where information was compromised. Colony Brands was initially helpful I placed a Fraud Alert on all credit bureaus and it worked for a period of time but accounts started again. I went back to place a Freeze on all credit reports but there had been additional purchases on the Colony Brands accounts. Initially, it was their practices to contact me before approving any new purchases but they stopped. As i explained to them, I thought it was strange my other creditors did not have any account issues.Most of my creditors worked with me in resolving the issue and notified me each time there were purchases or an attempt to open other accounts. I've been trying to resolve issue with Colony Brands without success. I spoke with XXXX XXXX in which I thought we came to an agreement about the accounts. XXXX was more concern with me paying off the account without removing unauthorized charges and any related finance charge. I've had difficulty with other stores within Colony Brands I filed a report with Federal Trade Commission for Identity Theft and found this company is having issues with unauthorized purchases. Now they want to hold me responsible for the unauthorized purchases and demanded the money. 
My experience with Colony Brands have been they will tell XXXX  what they will do but later tell me something different. They said they were sending the a FTC Affidavit for Identity Theft but never sent it. Later I received a letter stating I need to pay the entire amount whether I purchased or not it came to me. I would not know that anything was purchase because they did not confirm it was me placing the order. It is on all my credit reports that states not to add purchase or open an account without contacting me.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

SAGE STREAM ' REFUSES TO CORPORATE WITH CONSUMER MAILED A CERTIFIED DOCUMENTS WITH US POAST OFFICE WAS RECEIVED AND SIGN BY SAGE STREAM OFFICE PERSONAL, COMPANY NEVER RESPONSE BACK TO CONSUMER.
Consumer complaint received 2019-11-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

XX/XX/2018 - my apartment was subleased out. 

XX/XX/2018 - the subleasee left one month early without paying the rent. 

No notice or anything from apartment complex. 

When I saw it on my credit, months later. The apartment complex said that the collection has been already sold, and there was nothing they could do to remove this anymore so I would have to dispute it. 

I have tried to dispute it three times, and Im not sure if Im technically legally responsible still or what the case is. I cant get an apartment until this is paid off. I called the collection company in hopes I can at least negotiate it or make payments. After two days of attempting to reach the representative that Im assigned to with no luck, I went online to make a {$50.00} payment - thinking I could at least do my own payment plan by myself. After no email or anything regarding my payment, I figured I would try calling one last time. I surprisingly got a hold of my representative. Weird, she couldnt return any of my voicemails but okay. I told her I didnt receive a copy of my receipt and she told me it isnt in their policy to do so. Im extremely uncomfortable paying {$1000.00} to company who doesnt even give proof of payment. Nor do I even know if Im even legally responsible.
Consumer complaint received 2019-11-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have submitted several disputes to Equifax to fix the errors they are reporting. I have provided my passport and drivers license to confirm my identity. Every time I call or dispute Equifax has multiple excuses as to why they are breaking the law. This organization is criminal. Federal law says that information must be accurate. They continue to not fix the error. They are reporting XXXX inquiries on my credit report causing my score to be lower and me to be denied credit. I did not authorize these inquiries. 

They have my personal information incorrect as well. They lied and said that XXXX XXXX validated the information. When I contacted XXXX XXXX they said they could not match me with the information being reported and Equifax does their own internal matching and it is their responsibility to fix it. I have a recorded statement from a supervisor at Equifax admitting it is their responsiblity to remove the incorrect information but she was unable to assist me because she couldn't confirm my identity. 

This is the last chance before I file suit in federal court they have to correct this information.