davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

Last summer, I found out by attempting to set up internet services with XXXX XXXX XXXX in a new apartment that someone had set up a fraudulent account under my social security number with XXXX XXXX XXXX ( but with wrong accompanying information such as birthday ) to secure XXXX XXXX  services at XXXX XXXX XXXX in XXXX XXXX, XXXX  XXXX - account number XXXX. 

I have never lived in the state of Louisiana, purchased XXXX XXXX services, or authorized anyone in the state of Louisiana to purchase anything on my behalf. 

I worked through the fraud process with XXXX XXXX XXXX last summer, culminating in sending a letter to what I thought was a collections agency that they implied over the phone would close the process. 

I'm currently buying a house, and through the mortgage application process have discovered that despite the process last summer, XXXX ( separate from XXXX XXXX XXXX I guess ), sent the same collections debt ( {$610.00} ) tied to the fraudulent account above to a collections agency, Creedence collections, in XXXX and it went into collections in XXXX. 

This is now driving up my mortgage rate more than a percentage point ( several hundred dollars a month for the next 30 years ). The lender I'm working with is saying all they need is a letter from the collections agency stating that once the charge is confirmed as fraud, it will be removed, or to complete the process in 10 days. The collections agency is refusing to do either.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX, I successfully refinanced my property with XXXX and paid off the outstanding debt owed to XXXX Mortgage. My first payment on the new term commenced on XX/XX/XXXX. I made XXXX payments in XXXX towards my mortgage payment of {$1400.00} before the end of the month. Then in XX/XX/XXXX, I paid the full amount owed on the XXXX of XX/XX/XXXX to avoid a late payment. Since making my first full payment for XXXX and also XXXX I have not seen my mortgage payments reflect on my XXXX credit report nor other credit reports. My DTI ( debt to income ) ratio has taken a big hit. In XX/XX/XXXX, I asked XXXX to place my account in forbearance due to XXXX job loss which they verbally agreed over the phone on XX/XX/XXXX when I spoke with an agent named XXXX XXXX. XXXX has been looking for a way to repossess my property by negatively reporting or labeling the account as delinquent inspite of the fact that two additional payments were made towards covering my principal and interest in the amount of {$950.00} on XX/XX/XXXX and XX/XX/XXXX. These payments were made on my behalf by a XXXX  program sponsored by my county for people affected by the pandemic. Furthermore, my account has a surplus payment as XXXX never refunded the difference of the amount it withheld for my XXXX property taxes. They erroneously overcharged my account twice for the same XXXX XXXX XXXX. I have made multiple inquiries with them and they keep saying that it is under review. They sent me the wrong forms for mortgage assistance which I understand ought to be completed only after a covid-19 forbearance elapses. By XX/XX/XXXX if they do not roll over the excess payments in my account to cover XXXX 's mortgage and/ or place my account in the COVID forbearance, it would negatively report as a delinquent account and this will harm my credit worthiness. XXXX is purposely doing to damage my credit and to find a devious way to possess my property if not stopped. I have never failed to make payments on my mortgage or been in this precarious situation.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I received a credit alert from XXXX XXXX stating I have a new alert. Someone opened an account in my name from Citizens Bank on XX/XX/2022 that I didn't apply for. The credit limit of {$5000.00}, high balance of {$3100.00} and available credit of {$1800.00}. I don't know this company and never applied for any line of credit from this company so I am filing fraud.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CT)

Mortgage company : Community Loan Servicing 1. I had my mortgage with XXXX XXXX  since I bought the house in XXXX. I applied for the forbearance due to COVID related issues. I did not pay my mortgage for about 7 months in XXXX. I started paying for my mortgage in XX/XX/XXXX and I was in the process of applying for the mortgage modification. During the process my mortgage was moved to Community Loan Servicing. I've been paying for mortgage regularly and on time as I was in the " trial '' period. The amount I paid per month was $ XXXX. I completed my trail period and made my last payment on XX/XX/XXXX. I received a load modification documents telling me that going forward I have to pay {$2400.00}. That's not the amount I agreed to or was told to pay the last XXXX months. I have 10 days to sign the documents but I'm refusing to because ( once again, that's not the amount I applied for or was told I'm going have to pay ). I contacted them multiple times and I've been on hold for about XXXX minutes and no one picks up the phone. the contact information provided on the documents is wrong ( wrong phone number and wrong e-mail address ). 

2. The Community Loan Servicing also reported me to the credit burau and my credit score dropped XXXX points. I contacted them ( once again ) and they are telling me I missed a payment, but it is not true. I've been paying on time each month, and I have my bank statement to prove it. Unfortunately, I am also in a process of buy a new car so this impacted me significantly.
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (DE)

My name is XXXX XXXX and I applied to Lakeview Loaning which is my current mortgage company, to refinance my home. I've done extensive research on FHA refinancing with cash out and I discovered that the statement of denial from Lakeview Loaning Servicing LLC, explanation they provided was incorrect. This mortgage was purchased from XXXX a few years ago and there has never been a late mortgage payment submitted as of today 's date by XXXX XXXX. XX/XX/2022, we completed the application process Loan # XXXX, for refinancing with {$40000.00} cash out. For several months XXXX XXXX and XXXX XXXX submitted financial information, tax returns and several other pertinent information as requested. The next process was the Disclosure e-sign and document review which were signed in a timely matter and submitted, at this point the loan process moved to the next step which was the underwriting department along with scheduling an appraisal XX/XX/2022, for the property. All these steps were a false indicator on Lakeview Loaning Services, LLC 's behalf that the refinancing process would be finalized. 

XX/XX/2022, we received a statement of denial from the underwriting department stating FHA would not allow refinancing with cash out. THAT WAS NOT A TRUE STATEMENT. The information about FHA should have been disclosed prior to the application completion if it were true. I have contacted several mortgage brokers and companies that are processing FHA refinance loans with cash out. We have consulted with an attorney and we believe that Lakeview is using discriminatory practices based on race and is not an equal opportunity lender. 

Lastly, the appraisal scheduled was never canceled by your company, we contacted the XXXX today and he was surprised and unaware of the changes, which further proves there is deception on your Lakeview 's part. We will be filing a complaint with Consumer Financial Protection Bureau, media and other outlets. The public should be aware Lakeview Loaning Services, LLXXXX, has discriminatory practices and they will allow clients of XXXX to presume that their loan process will be approved and then Lakeview gives you untrue information as to why the loan could not be processed.
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (LA)

I am really appalled and disturbed by the actions of this company yesterday during their attempted collection call. I am wrote to notify them that their actions were detrimental to me and that their firm has made multiple violations of the Fair Debt Collection Practices Act. 

Please take note of the following violations that occurred yesterday XX/XX/2022 at XXXX. At the beginning of the call, I notified the representative XXXX XXXX that the time of the call was inconvenient to me since I was currently driving and running errands during my lunch hour. At this point the employee should have scheduled a more appropriate time for the call. The employee then became loud and aggressive, continuously cutting me off and being flat out disrespectful. He knew or should have known that the abusive and aggressive behaviors displayed toward me during the call were oppressive, inappropriate, and potentially damaging. During the call he told me that the case is in pre-something, and that if I did not pay during the call, I would be sued and my wages would be garnished. This is a blatant violation of my rights since the FDCPA states that you can not imply that non-payment will result in garnishment of my wages. The representative completely failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at the firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

In XXXX of 2022, I contacted the student loan service department concerning accounts showing as late payments and was assured this was not from their reporting. My actual account information from the loan servicer shows the accounts are in National Emergency Forbearance Act and never late. However, the credit reporting sites continue to have this erroneous information on my report. I have requested it to be removed to no avail. Please correct this information as it is causing emotional stress to me. 

Warm regard, XXXX XXXX
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian you state you verified this account I need order from judge or a Notary Republic that this is verified because it is not under the law state and federal Ill wait your decision before I take you to court for fraud 30 day no more, you have lied on you investigation when you state it was accurate and even now it is not I fell you need to be taken to the wood shed on this,
Consumer complaint received 2022-02-14
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I walked into the dealership on XX/XX/2022 to make a consumer credit transaction for a car. However, on XX/XX/2022 I didnt leave with anything but inquiries on my credit report. My credit report was pulled by Capital One and inquiries were put on my report saying that I applied for a loan from them, when all I did was go to the dealership and try to purchase a car. I have no idea how they got my information and why they pulled my credit report. They also received compensation from pulling my credit report and I received nothing in return. That is an unfair transaction per the truth in lending act and per 15 u.s.c 1611 and 15 u.s.c 1640 they are criminally and civilly liable for the crimes they have committed.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

It has been brought to my attention that Experian is not reporting correct information to my credit report. My FICO score and my XXXX XXXX monitoring score are completely different. Also, I have incorrect and inconsistent information reporting on my report. I need my score as high as possible and it is unfortunate because many items are preventing positive scoring. This is affecting me as a consumer negatively. 

I have contacted Experian and they can not and have not helped me. This is the only credit bureau negatively affecting me and preventing me from the higher score that I have worked hard to maintain. 

I have XXXX credit cards and XXXX secured loan not reporting on my Experian bureau at all. 

XXXX as an authorized user opened XX/XX/21 @ {$18000.00} is not reporting on my Experian. I also have this address listed on my credit report. 
XXXX opened XXXX XX/XX/21 @ {$500.00} is not reporting on my Experian. 
XXXX XXXX opened XX/XX/21 @ {$200.00} is not reporting on my Experian. 
XXXX opened XX/XX/21 @ {$600.00} is not reporting on my Experian. 
XXXX secured loan opened XX/XX/21 XXXX @ {$500.00} never reported to my Experian. 

I need these XXXX good history accounts to report to my credit immediately to boost my score and help me secure my financial goals. This is preventing me from receiving the benefits and hard work I have put into my credit to pay my bills on time. This is affecting me very negatively.
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MA)

Once again this pig of a bank decided to change their website without warning and are now preventing me from logging in. I went to log into my accounts today the EXACT SAME WAY I have always logged in and their useless website takes me to a page to activate my card. I don't have any card that needs activating. I called their useless, untrained outsourced customer lack of service and they kept asking me about an ATM card or debit card I do not have, have never had, and have ZERO need for. I tried entering my credit card info on the website and it told me it activated and then brought me back to the same screen asking me to activate my card. I have no way of accessing my XXXX accounts, credit card or Savings. Their customer service kept me on hold for an hour, but was otherwise useless. This bank is disgusting and pathetic. They continue to make ridiculous unexplained changes to their website without notifying the customers and prevent us from access or using our account due to their incompetence
Consumer complaint received 2022-04-22
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T ) 23826****, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made XXXX following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.
Consumer complaint received 2022-08-01
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. (MO)

This company continues to violate my consumer rights and the law but telling u that they are doing there job and following rules which i proof multiple time with document of how they just put all the accounts in dispute on XX/XX/XXXX but now it comeback as updated but they will tell u that they doing there job.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

In chronological order of events : XXXX. Through my Bill payer service, I sent full pay-off amount of {$40.00} to Commenity Bank XXXX XX/XX/2021, which was XXXX days prior to the due date. XXXX sheet attached. 
XXXX. Commenity Bank alleged they did not receive payment for app XXXX weeks. I was charged a {$35.00} late fee plus {$2.00} interest, resulting in a new balance of {$77.00} XXXX. Sent my first letter, dated XX/XX/2021 which disputed the balance and late fees. Received no response. XXXX sheet attached. 
XXXX. I continued to receive monthly bills adding new late fees [ {$35.00} each month ] & interest each month. 
XXXX. I sent a XXXX letter, certified with return receipt, to Commenity Bank, which they received XX/XX/2021. I again disputed the entire balance. I provided a copy from my bank 's Bill Payer service documenting my payment of {$40.00} [ which paid off my account ] was sent on XX/XX/2021. 
XXXX and XXXX sheets show copies of the letter I certified with return receipt. 
XXXX sheet attached is a copy of my Bill Payer service printout. I use XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Received a letter from Commenity Bank, dated XX/XX/2021 - they were researching my dispute of the charges and they requested XXXX days to research and respond to my allegations. 
XXXX sheet attached. 
XXXX. It has been over the legal allowable XXXX day time frame which Commenity Bank has to resolve a complaint. I am requesting intervention from XXXX XXXX XXXX XXXX to get this issue resolved. 
XXXX. The XXXX sheet I attached is my most recent bill, showing a balance of {$110.00}.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I am a natural person who knows there rights. Not a third party. 

CCS is in violation of the FDCPA AND HAS WRONGFULLY DISCRIMINATED and violated my privacy right. They paid to provide me a debt validation and continue to collect on the alleged debt and I was not given the ability to dispute the debt. 
1. 15 usc 1692b, they stated I owe a debt to the CRAs 2. 15 usc 1692d, they are continuing harassing about a alleged debt they claim I owe.

3.15 usc 1692f, they are reporting the debt to my consumer report and discriminating against me 4.15 usc 1692j, they are furnishing false information about me stating I owe a alleged debt.