davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (AL)

I am a first-time home buyer and purchased a mortgage with XXXX XXXX  in XXXX of 2020. My first payment was due and made on XXXX XXXX, 2020 for its full amount of {$940.00}. Soon thereafter, my loan was sold to Specialized Loan Servicing ( SLS ). When I received my second bill in the mail, it was from SLS in the amount f {$1800.00} ( exactly double my loan amount ). I called SLS Customer Service department and was advised that my first payment probably had not been sent over from my prior servicer yet. I was instructed to make my normal payment amount and that once the payment was received from XXXX, it would be applied to my account. So my second payment that was due on XX/XX/2020, was made in full for the amount of {$940.00} on XX/XX/2020. I found that the issue was still not resolved and called XXXX XXXX ( my prior servicer ) and was given a wire reference number # XXXX that was made from XXXX XXXX  to SLS on XXXX, XXXX 2020. I gave this information to SLS and they opened a claim to try and find the missing wire. I continued to make my payments on time as if the issue didn't exist ( XX/XX/XXXX and XX/XX/XXXX ), in order to stay on top of my payments but unfortunately, since the initial payment is what is " missing, '' my payments are being applied a month in arrears. This claim has been open for two months now and the wire still can not be located and it doesn't even seem like anyone is trying to locate it. I've been told that a manager will call me back six times now and have not received one phone call. I have called SLS a total of eighteen times in the past two and a half months hoping to get this resolved, and have even had my prior servicer reach out and none of it has gotten me anywhere. I am now being charged late fees and will be taking a hit to my credit if this is not resolved soon, even though I have made my payments early each month and SLS can not /will not locate the wire made to them from XXXX XXXX  on XX/XX/2020.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I have been paying my mortgage for 10 years. Bayview loan serving acquired my mortgage years ago after the bank, XXXX XXXX went out of business. Last year I had XXXX XXXX  and became no more than 2 months behind on my payments before then I never missed a payment. I began the Bayview process of modification after finding out I would not be returning to work and had to rely on Social Security XXXX XXXX. 
The woman assigned to me, XXXX I believe said if I provided her with bank statements, proof of SS and expense statement that I would pay a lower amount, {$620.00} or so for 3 months on the XXXX of XXXX through XXXX my loan would be modified and the would have to sign the paperwork. My original payment prior was I believe {$840.00} or so. I paid the {$620.00} for 3 months. I was sent a XXXX  the last week of XXXX to modify my loan to the modification and the amount was {$780.00} a {$34.00} difference from my original mortgage payment Bayview wanted starting in XXXX. I told XXXX XXXX that was not the agreement and was not given enough time to go to the bank for witnesses and a notoriety and I couldn't afford the payment. I did pay XXXX for the lower amount. I was sent another XXXX the last week of XXXX saying sign and pay the modification for XX/XX/2020 by the XXXX for the {$780.00}. I called on XX/XX/XXXX but was continuously hung up on by the phone system. Unable to pay online or by phone by Bayview I am now filing a complaint. 

XXXX XXXX
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (TX)

I began disputing an item on my Experian credit report that was previously under the name of " XXXX XXXX XXXX' on XX/XX/XXXX. That item was deleted from my Experian credit report on XX/XX/XXXX. A few months later, the once deleted item ( reporting under XXXX XXXX ) was reinserted on my Experian credit report on XX/XX/XXXX. I IMMEDIATELY submitted a complaint to the CFPB on XX/XX/XXXX regarding the prior deletion " and '' reinsertion of the item ... .the item also was reporting a " new account open date '' of XX/XX/XXXX. A few months later, the XXXX XXXX collection was removed however, recently, the account was reinserted under a new collection agency now reporting as XXXX XXXX. I have notified all 3 agencies ( Experian, XXXX XXXX and XXXX XXXX XXXX about the wrong reporting via written disputes as well as I have sent 623 letters to XXXX and XXXX XXXX with no reply. I am tired of Experian holding my credit hostage and I need resolution.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (MI)

XX/XX/XXXX XXXX statement generated for the amount of {$200.00} due XX/XX/XXXX. I made a {$500.00} debit card payment on XX/XX/XXXX. I checked my XXXX credit report on XX/XX/XXXX and noticed Fortiva credit card monthly status reflected " late ''. I spoke with a Fortiva representative that day and the conversation goes as followed : Myself : " why is the company falsifying that I was late 30-days for the month of XXXX if in fact I made my payment 6-days past the due date not 30. '' ( In addition, made another payment of {$75.00} XX/XX/XXXX. ) Representative : " our billing cycle generates on the 15th of each month and is automatically reported to the bureau. Since you made a payment of {$500.00} you don't have to make a payment for XXXX. '' Myself : " come XXXX once the billing cycle generates again then the month of XXXX and XXXX should reflect as paid and in good standing. '' Representative : " yes. '' This incident did not sit well with me so I contacted my financial advisor and she recommended me to this site to file a complaint. I am in the process of trying to purchase my first home and this particular incident is impacting my credit score and can potentially hinder me from being approved for a mortgage loan. 

Thank you for your time, patience, and effort
Consumer complaint received 2024-11-13
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. (PA)

I am seeking your help with the false account being shown on my credit report. This has impacted my reputation as a customer, and I require your support. Please remove these accounts, as they are reported inaccurately and harmfully.
Consumer complaint received 2021-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX  opened on XXXX XXXX XXXX  with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (TX)

Several days before the deadline I had attempted to submit my application and was running into technical issues. Every time I would hit my submit application button I would get a spinning wheel letting me know the submission was completely but it would never take me to a completion page. 

I received marketing on the XXXX, XXXX, and XXXX of XXXX to complete my application and every time I tried to, I couldn't get it to complete. 

As a last resort I contact Simple via XXXX and let them know that I was having them problem. I contacted Simple via XXXX  at XXXX CST on XX/XX/15 and they were aware of the issue because they had a concise answer and recommended I remove or disable any browser extensions, which they responded an hour later ( XXXX CST ). Once I turned off my popup blocker, my application was submitted and approved instantly. 

The problem I realized today was due to this technical difficulty that Simple was aware of I had not met the time deadline for the promotion although I had met all of the other requirements.I think a fair resolution would be to give me the {$400.00} for the promotion I had signed up for.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I am writing to formally file a complaint against Chase Bank regarding their failure to properly investigate and handle a dispute that I submitted on XX/XX/year> related to a transaction with XXXX. 
I attempted to return an item purchased from XXXX multiple times, but my return was not accepted as per XXXX return policy. Due to this issue, I submitted a valid credit card dispute to Chase Bank, along with all necessary documentation to support my claim, including proof of the return request and communication with XXXX. 
Despite providing comprehensive evidence, Chase Bank has failed to adequately investigate the dispute or resolve the matter in a timely fashion. I have reached out multiple times to inquire about the status of my dispute, but I have not received a satisfactory response or resolution. 
The lack of proper handling of this dispute has caused me significant frustration and inconvenience. I believe that Chase Bank is not adhering to the required protocols for investigating credit card disputes, as mandated by consumer protection laws. 
I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Chase Bank fulfills its obligations in handling disputed charges effectively and fairly. 
Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2020-06-04
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2023-03-14
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)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : ( XXXX XXXX ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (WA)

On XX/XX/XXXX was denied credit for a truck loan by XXXX XXXX  XXXX, CT. 
Wanted credit report from " Sagestream llc ''. 
Sent in all required forms and info which included, Name, birth date, address including zip, phone number and Social Security number. 
They refused in a call back by saying " Doc '' was expired which it was not. 
Doc was a temp Drivers License printed out page with the expired date of XX/XX/XXXX. Can not reach them by phone. 
Something is not right.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-03
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. (MI)

I submitted this request for a reinvestigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update/correct the following accounts from my file. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX XXXX Balance : - {$0.00}
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent in a dispute letter XX/XX/XXXX and havent received a response. Im disturbed by the incorrect information on my profile. Payments are not up to date and i have missing and inaccurate information on there. Which is all explained in my dispute letter. However it been over 30 day and I havent received a response.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XXXX of XXXX Lakeview Loan Servicing LLC paid to XXXX County two payment of taxes after audit from XXXX. the amounts they claim they paid were XXXX and XXXX. To my knowledge, the XXXX was paid in error, and not owed, yet is was taken from escrow account. Further investigation shows that XXXX county never received the XXXX, although they did receive XXXX on XX/XX/XXXX. I brought this discrepancy to the attention of Lakeview Loan Servicing LLC on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX - who said it would be looked at by XX/XX/XXXX. After getting no response I brought it up with supervisor XXXX on XX/XX/XXXX and again with XXXX on XX/XX/XXXX. I still did not get a response so I brought it again to supervisor XXXX XXXX on XX/XX/XXXX. He said he would escalate to Tax dept. On XX/XX/XXXX I received an email from customer support stating that they would respond in another 3 days, and then on XX/XX/XXXX another email stating they were still investigating and would respond within 3 days. After hearing nothing more, I called again on XX/XX/XXXX and spoke to supervisor XXXX. He said he would escalate to tax dept. After explaining we had already been down that road, he transferred me to Leadership member XXXX. While once again explaining everything to XXXX, who seemed to understand the problem, we were disconnected. I called back and no one was able to transfer me back to her. They stated that the notes showed that the check for the tax was sent and they would, once again, have to investigate. I have let everyone know I have documents showing tax history and that the XXXX was never received. 
I believe Lakeview has been giving me the run around and has not seriously looked into the issue since originally brought up midXXXX, XXXX 1/2 months ago.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (MA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous INQUIRIES on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$360.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 ( Original Creditor : XXXX XXXX  XXXX XXXX ) Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Acct # : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MI)

Issue : Elan Financial Services ( Comerica/US Bank ) reported late payments to the credit bureaus, even though they told me before that I can skip the credit card payments On XX/XX/2020, I submitted a request through Elan Financial Services ( Comerica/US Bank ) online portal saying that I have a hardship due to COVID19. On XX/XX/2020, they replied saying that they will remove the late fees for the next 30 days so that there will be no issues for me to skip this payment. Therefore, I did skip this payment, thinking that they will not harm me in any way based on their reply. On XX/XX/2020, I was shocked to see a late payment reported on my credit report because I already reached an agreement with them and they did not tell me that they will report a late payment to the credit bureau. Also, I would like to add that I have contacted many credit card companies and they waived the late fees and no one reported a late payment to the credit bureaus, I am super angry because they reported a late payment to the credit bureaus without telling me that they will do that. I can attach a screenshot of my conversation, if required. I called them multiple times after I saw this late payment on my credit report, but they told me they can not do anything about this reporting of the late payment. Also, I asked to speak to a supervisor for 2 times and I was hang up on at the 2 times. In one of my calls, they told me that I can dispute to one of their departments about this issue by mail. I did mail this department and they responded to me saying that the information they reported to the consumer reporting agencies is correct. Therefore, I wanted to report them and how untrustworthy they are. I hope that you can take actions against them not just for me, but for many people. You can see the many people that reviewed them badly on XXXX : XXXX : XXXX