davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

This is my second complaint regarding XXXX. The first one was closed out as they responded, however, this remains on-going as they have not RESOVED the matter. I have been attempting to remodify my loan since XXXX 2021. In the early part of the year I was told a number of times I needed to sign a Power of Attorney. This was clearly untrue as I am of sound mind. Eventually this was resolved and I was sent a second set of documents. On XX/XX/XXXX I spoke to a woman named XXXX on the phone. She stated that the last two times paperwork had been sent to me that they had not received Partial Claim/Promissary Note paperwork back, indicating this was the issue. I informed her that this document had never been sent to me and I had copies of all the documents as proof. I informed her that I had every intention of signing this paperwork, wanted it immediately, as I have wanted this resolved since XXXX, 2021. On XX/XX/XXXX she stated new paperwork was being sent out. OnXX/XX/21I still had not received this paperwork and spoke to someone name " T ''. He informed me that the paperwork had again not been ordered or sent. He claimed it would be sent that day. At that time I requested to speak to a supervisor. I spoke to XXXX XXXX who told me he would now be my " case manager, '' and would be handling the resolution of my case. He emailed me and told me I could email him anytime to check the status of my case. XXXX XXXX stopped responding to my emailed after I contacted him twice. Please take note that the customer service reps do not provide their full names and it is impossible to speak to the same person twice. I have contacted customer service through the email portal on loan care and receive a ticket and no follow up is given. I find it difficult to believe your bank is unaware of their poor service as after investigating this, there are reports of this all over the internet. I have included the second and last email response on XX/XX/XXXX, from XXXX below. I was told by XXXX that a mobile notary would be coming to my home with paperwork on XX/XX/21. When I called over a week later, it had not even been sent out until XX/XX/21. I received a call yesterday telling me the paperwork was sent out and asking if I was going to be sending it back. I informed the rep. I did not receive the paperwork! She confirmed the notation regarding the notary and was uncertain if it had actually had been sent out to them yet and said it had to be escalated, yet again, which would take 3-5 days, AGAIN! Nobody ever has an answer, including so called supervisors. As a reminder, this has been on-going since XXXX/21.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a account with Bank Of America from 2018, they decide to close my company account and my personal account ( checking both ) for two supposedly check fraudulent deposited in my account in the texas state, they sent me a letter informing me that the will report this to XXXX XXXX causing me a big damage over my person and company, because they said that we will not open a new account for 5 years, this situation was a scam over my company and me is not fair the behaviour of BANK OF AMERICA over my company and I when i was a victim, inclusive i was to the bank and they had a actitud over my person like i was a criminal
Consumer complaint received 2024-12-01
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Over the past XXXX weeks, I have attempted to access my credit file and score due to a drop in my score from XXXX last XXXX to approximately XXXX now. I've been addressing errors and undertaking general credit repair. TransUnion has denied access to my credit file and score during this period, citing system errors/issues, and most recently, a lock on my credit file with a specific code due to missing files. I've requested corrections since XXXX or XXXX of this year to challenge the accuracy of my file and the legality of some reported items. I've also asked for accurate reporting of my address, phone number, and employment, with the removal of all others, along with other FCRA-related items to rectify the sudden issues with my credit file. Despite resetting my password, I now face difficulties accessing my credit file at will. I suspect TransUnion is deliberately preventing access to my credit report, which I believe is a breach of the FCRA and other laws.
Consumer complaint received 2021-07-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a letter previously XXXX XX/XX/2021 XXXX, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my second-time requesting 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 XXXX XXXX XXXX XXXX  Balance : {$83000.00} ; XXXXXXXX XXXX XXXX Balance : {$1.00} XXXX XXXX XXXX XXXX Balance : {$54.00} ; XXXXXXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$83.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Consumer complaint received 2021-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( XXXX, TransUnion, and XXXX ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this Transaction from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Good Morning, I have being battle this issue since XXXX and this XXXX. This issues still haven't being resolved. I reached out to TransUnion multiple times to dissolve this issue. I sent this letter 30 days ago and NEVER received any information back. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LA XXXX XXXX XX/XX/1991 XXXX I see that you have reported inaccurate information on my credit report, and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Creditor : XXXX XXXXXXXX Account : {$2500.00} Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions.

I need some information asap. This getting very stressful and unbelief to handle Thanks, XXXX XXXX XXXX
Consumer complaint received 2018-11-14
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: Avant Credit Corporation (CA)

On XX/XX/2018. I applied for a credit card and somehow it became a loan application. So, today XX/XX/2018 I called into the company and made a request to cancel the application because it was not what I thought it was ( credit card ). I also asked for the hard inquiry to be deleted from the credit reporting agencies. I spoke with XXXX who said he would transfer me to his supervisor XXXX in verification dept who would delete the hard inquiry. Now, XXXX says she can not remove the hard inquiry from my report. 

I thought I was applying for a credit card yet it was a loan instead, very misleading.
Consumer complaint received 2021-10-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (GA)

CONSUMER ADJUSTMENT CO. HAS FRAUDULENTLY PLACED A MEDICAL DEBT ON MY XXXX CREDIT REPORT Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX, Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account.

Proof that you are licensed to collect debt in the state of Georgia.

Your licensed numbers and Registered Agent or Agent of Service.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S (WA)

I picked up a certified letter today on XX/XX/XXXX. Upon review it appears to be a wage garnishment from a XXXX XXXX. for {$1500.00} ( with Suttell & Hammer, P.S. as the attorney/debt collector on file ) - It indicates I must respond within 28 days to the Court. The date on the documents are XX/XX/XXXX. I have a XXXX credit score. There has been zero communication from XXXX XXXX XXXX or Suttell & Hammer until today on this matter. It appears in the documents sent that a judgement was secured against me in XXXX by default for me not appearing, yet I was never notified of a court date. In an effort to investigate further I called Suttell & Hammer and they informed me this matter was from a XXXX Credit Card. I then called XXXX XXXX XXXX XXXX and was told this was a charged off account from XX/XX/XXXX. I can attest to 100 % certainty that this debt was paid in full back in XXXX, however I no longer have records from 9yrs ago. Subsequently I opened additional accounts in XXXX, XXXX, & XXXX under the same bank XXXX used. Had there been bad debt they would have not allowed me to open additional lines of credit. 
Not only do I not owe this debt, but also I have never been contacted in the last 9 yrs on this matter. No contact includes any phone, mail, or negative credit reporting against my 3 bureaus. After XXXX the company, XXXX XXXX XXXX an article came up indicating your organization filed a Consent Order against XXXX XXXX and it's subsidaries ( including XXXX XXXX XXXX ) for deceptive debt collection practices which include Wage Garnishment w/o notification. After contacting an Attorney I was able to obtain a copy of the " Proof of Service '' from XXXX XXXX back in XXXX ( The same year the CFPB filed the Consent Order ) and in fact they state I was served in XXXX of XXXX as well as a " roommate/ co-resident ''. The fact is I was never served as I lived & worked in XXXX at the time and the proof of service was filed in XXXX State that indicates I was notified at my rental property in XXXX State. 
Upon completion of this form I do not have the PDF saved on my PC for the " Proof of Service '' or the " Wage Garnishment '' documents. Once I get to work I can log back into your site and upload all applicable documents.
Consumer complaint received 2021-08-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 60 days.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been attempting to work with SLS Mortgage company to bring my account current. They have, and continue to, mislead, redirect and outright lie to me about my account. 

On XX/XX/XXXX, I submitted 2 payments, one of them being {$6100.00} from my XXXX XXXX XXXX XXXX XXXX account. I just received the below email yesterday evening DENYING acceptance of my payment, which was sent - as directed by SLS phone staff - to their MAILING ADDRESS as they were unwilling to accept electronic or phone payment from me. 

SLS refused to accept this payment and the payment is now being redirect back into my XXXX XXXX XXXX XXXX XXXX account. 


I fully expect to receive notification that my second payment was also not accepted, however, I have not received it yet. 

Also - there is an UNAPPLIED amount which still exists against the account - although during my call yesterday, in which XXXX XXXX XXXX was also witness, SLS was advised to accept the full amount of unapplied funds to be immediately applied to the account. ( *Screenshot attachment ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( EMAIL ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subject : Important Information Regarding Your XXXX XXXX XXXX XXXX XXXX Bill Payment XXXX Mon, XX/XX/XXXX, XXXX XXXX  ( 11 hours ago ) to me XX/XX/2021 Dear XXXX XXXX XXXX We tried to process your payment to SPECIALIZED LOAN SERVICING for {$6100.00} on XX/XX/2021, but it was returned to our processing center due to the payee 's refusal to accept the payment. The payment will be credited back to your funding account. Please allow 2 to 3 business days for the refund to post to your account. 


If you have any questions regarding this return, please work directly with your payee. You may need to update your payee information before scheduling a new payment. If you need assistance updating your payee information in the bill payment system, please contact the bill payment support area of your online banking organization. 


Sincerely, Electronic Bill Payment Support This message contains confidential and proprietary information of the sender, and is intended only for the person ( s ) to whom it is addressed. Any use, distribution, copying or disclosure by any other person is strictly prohibited. If you have received this message in error, please notify your online banking organization immediately, and delete the original message without making a copy. Please do not respond to this email. The email box is not monitored. 
The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please : ( i ) delete the message and all copies ; ( ii ) do not disclose, distribute or use the message in any manner ; and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. Thank you.
Consumer complaint received 2021-08-10
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)

I have six accounts that are showing up on my credit report they do not beloing to me they are not mine I have not applied or signed or used any of these accounts I need these accounts gone. 

XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$5700.00} OPened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$4100.00} OPened XX/XX/XXXX XXXX XXXX/XXXX- Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX Acct # XXXX Amt  {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Amt {$860.00} OPened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$1200.00} Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (VA)

On Thursday, XX/XX/2021 I requested XXXX Credit Line to send {$1000.00} to me from my {$2300.00} Credit Line. This is because every time I went to use it. Instead of them taking money from the credit line Acct, they would remove money from my Personal Checking Acct in Navy Federal Credit Union ( XXXX ) Once I picked up the money from XXXX I was going straight to bank to deposit. When I arrived at XXXX, found out they would charge me {$9.00} for this transaction. Received the {$1000.00} and went right to Navy Federal to deposit. Once their, to my surprise {$1000.00} was Removed from my Personal Checking Account by XXXX, a XXXX Service Company XXXX. On XXXX Wednesday of month, my SS Check gets deposited. I immediately told the Bank Employees that they Took MY Personal Money From My Account which was needed for my Mortgage Company to do an Auto Pay on Monday, I was able to obtain a special program with them that decreased payments by {$200.00} each month. So I definitely didnt want that to be taken away. The Bank put the {$1000.00} back in2 my account temporarily while the Dispute was being investigated by them. After two months in XXXX the Bank notified me that they agreed with XXXX and Removed the monies from my account causing me to go into Overdraft. My Checking Account has been arrears every since that time, despite numerous visits into Bank and phone calls to their Customer Service Department. Ive made numerous calls to XXXX XXXX XXXX, XXXX who refer me to XXXX XXXX, who refer me back to XXXX XXXX. I attempted to pay on the Overdraft amounts as well as the Loan I have with Navy Federal. First month I paid {$150.00} towards it, and second month I paid {$50.00}. the third month, the bank than charged me fees and the balance was more than before I started paying on it. What happen to my {$200.00} I paid? Can you help me PLEASE?
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (DE)

I disputed the below listed account with Chexsytems and asked for validation of this account. Chexsystems has failed to provide proper verification documentation and refuses to further investigate my dispute. I am requesting a proper reinvestigation under FCRA 611. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that Chexsystems has on file for the below listed account. The FCRA requires that accounts be verified through physical verification of the original signed consumer contract. 

Account : XXXX  XXXX XXXX