davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
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: Conn's, Inc. (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

I am in dire need of urgent assistance with my mortgage Lender, Lakeview Loan Servicing , LLC, C/O : XXXX. I recently received my current monthly statement that shows my monthly payment has doubled. I have not fallen behind on my mortgage payments. I also noticed on the invoice statement, that I have incurred asserted attorney fees in the amount of {$480.00}. I contacted customer service, which advised me to pay the fees to avoid going into default on my loan. To date, I have made all of my payments in a timely fashion, ( excluding legal public holidays, Saturdays, and Sundays ). My payments are normally mailed at the end of each month. 

I am asserting that the Service Lender charged this fee ( {$480.00} ) without a reasonable basis to do so, therefore ; I am requesting supporting documentation from the Service Lender, regarding their deceitful asserted impermissible fees that they have financially imposed on me. According to the Real Estate Settlement Procedures Act ( " RESPA '' ), an institution lacks a reasonable basis to impose fees that are not bona fide, such as ( i ) late fee for a payment that was not late, ( ii ) a charge for a service that a service provider did not actually provide, ( iii ) a default management fee for borrowers who are not delinquent, or ( iV ) a charge for forced-placed insurance that is not permitted by 12 CFR 1024.37 ( 12 CFR Part 1024, Supp. I., Comment 1024.35 ( b ) -2 ). I received information from Lakeview Loan Servicing , LLC on or about XX/XX/2019 indicating that " Recoverable Corporate  Advance Fees were paid with Servicer funds, but are to be recovered by the borrower ''. This appears to be a deceptive predatory practice by the Servicer with no supporting documentation of rule. 

My modification contract with Lakeview Loan Servicing , LLC does not specify any recovery corporate advanced fees involved in my repayment of the loan. So, why am I being charged this fee?
Consumer complaint received 2020-01-10
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

My credit limit is only XXXX dollars and capital One has decline all transactions of XXXX dollars. 

Capital One has email me over five times about my credit limit and has decline XXXX payment transaction. 

I didn't authorize Capital One or XXXX to charge or make payments after capital One email me the decline notice and credit limit notice. 

This matter is a matter of fraudulent activity on the behalf of Capital One regarding my credit limit and the decline notice. 

Both XXXX and capital One are refusing Arbitration under the Federal Arbitration Act regarding the terms and conditions of the Card and rental agreement. 

This is a matter of fraudulent activity.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

My loans have been pd. They are 7 yrs. or older. Ive asked for them to delete ... the credit bureaus just keep saying updated ... but still appear on all 3 bureaus.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is about the inaccuracy this is inequitably furnished by your organization on my consumer report. You company is continuing to furnish this inaccurate account on my report. It is not assuring maximum possible accuracy. I have disputed this account several times with your company and you are continuing to furnish this inaccurate account. You are in violation of many of my FCRA rights. I demand that you delete this account from consumer report as you have been notified many times that this account is inaccurate and have not conducted a reasonable reinvestigation to assure this account is reporting accurate. You have caused severe damage to my reputation and borrowing power as a consumer.
Consumer complaint received 2019-01-23
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. (NC)

the inquiry listed below are not mine, some make no sense as it is obvious from my credit report that I am on bad terms with a few of these banks. I try to contact TransUnion for multiple issues including this one, they always respond that im wrong and then I always go back and have the creditor fix the problem because even they acknowledge I was right ( I.E the collection account with XXXX XXXX ). Transunion said I was wrong, but yet i got XXXX  to remove the account. 

Transunion Inquiry : XXXX XXXX XXXX via XXXX | XX/XX/XXXX XXXX XXXX  XXXX via XXXX | XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XXXX via XXXX XXXX| XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX| XX/XX/XXXX XXXX XXXX XXXX via XXXX   XXXX  XXXX | XX/XX/XXXX
Consumer complaint received 2020-03-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

I opened an accelerated Savings Account with Citi in XX/XX/2019. The account was set up online within a few minutes ( and I did not have to submit any additional documentation via mail ). The account was compromised in late XX/XX/2019 with fraud activity with ACH for nearly $ XXXX. I contacted Citi and within 2 weeks the funds were returned ( early XXXX ). The account was then compromised again with fraudulent activity for almost {$400.00}. I contacted Citi and they advised that the account need to be locked to prevent further activity and that I would need to submit a new application for a new savings account. They transferred me to a representative to set up the new account. My understanding was that the account was set up, though I received a packet in the mail requesting additional information. Documentation was submitted online through XXXX. When I contacted a representative to move the original funds to the new account, the representative advised that the new account was never set up because the tax documents were not submitted. I then submitted the tax documents, but because they were not submitted within 30 days of the application, the application was closed and account was never set up. I then advised that I would like to close the original account and request that the funds just be mailed to me via a check ( or if possible, wired to my non Citi bank account ). Citi advised to close the account I would have to visit a branch. I advised that I was in XXXX area and that there were no brick & mortar branches in my state. I contacted Citi on 4 different occasions in an attempt to close the account and would constantly receive different information and go in circles from customer service, to a branch, to fraud departments. Nobody has been able to help me and I have spent nearly 6 hours on the phone trying to resolve this issue without success. Please help me resolve this issue and get my money back.
Consumer complaint received 2020-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WLCC (CA)

As an employer I have received 2 fraudulent faxed garnishments from this company Apex Servicing XXXX. 
These are not judgments These are not judgments but an agreement the employee is not aware of owing. Apex Servicing XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. 
Although stated in the letter, no notice was ever sent to the employee
Consumer complaint received 2020-03-06
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 identified an apartment rented in my name in late XXXX, Early XX/XX/XXXX. I notified all three Credit Bureaus of identity theft. I previously had a police report on file, but had already updated it to include other accounts opened in my name. I'd been fighting this since XXXX. Equifax has refused to remove the items from my report. Now a collection agency is contacting me regarding items that should have been blocked from my report and the Apartment is still showing on my report. Please remove and block these negative items from my report. In addition, I'm now finding incorrect addresses and name variations on my report. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and have done so for 3 years. 
Ss # XXXX XXXX XXXX Thank you for you prompt attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore loan management - my new loan servicer-is not following their own written policy with release of insurance proceeds. Rushmore has been in receipt of completed loss draft documents since XX/XX/2020. My prior servicer was set to disburse remaining insurance funds ( paid out of pocket ) the day my loan was transferred to Rushmore. Rushmore has been giving me the complete run around as to why they have not released my funds. I call every day to get status update and everyday is a new person and different story. Our supposed file manager XXXX has never once returned any messages. Rushmore has failed to honor my prior servicing agreements and disburse money being held. I had my HUD counlseor call last week to arrange a phone meeting to request information pertaining to their arbitrary and time stalling tactics. They stated on XX/XX/XXXX that my file had to be sent to the " special investor '' so they could. review my claim. They stated on XX/XX/XXXX that this special investor had up to 30 days to review documents. Nowhere is my original loan documents does it state anything about a special investor or special amounts of time, never mind my prior servicer marked as completed. I gave authorization for my HUD counselor speak to Rushmore regarding the stalling of disbursements and unfair tactics they are using and to request a meeting. It was scheduled for today XX/XX/XXXX at XXXX. On Friday XX/XX/XXXX my HUD Rep called to confirm todays meeting about disbursement and lo and behold they had no notes of meeting that was set up by HUD. On XX/XX/XXXX, my file claim status was updated and noted APROVED and FINAL DISBURSMENT however I was told today that the status was merely an approval that in fact my claim is correct and payment is due to me but that I should call back next week to see if check was mailed out.They are now stating it takes 10 days for disbursement. First it was 5 then 7-14 then 30 days now back to an additional 5. They are going round and round lying. On XX/XX/XXXX I sent in a prepaid XXXX XXXX envelope as I was told back then they would disburse my check upon receiving documentation. Rushmore is not following the set protocols outlined in the loss draft claim packet or their website. They continue causing me to endure extreme financial and emotional distress by these intentional delays. I am unable to pay my mortgage until they disburse my funds but yet they are sending me loss mitigation packages and applying late fees. Rushmore has caused my daughter to lose her spot at her college in fall due to this intentional delays and not releasing my funds. They are directly responsible for my daughter not being able to attend school in the fall. Rushmore is directly responsible for my mortgage being late. Rushmore is directly  responsible for ALL OF MY LATE BILLS, They have also lied to a HUD counselor multiple times.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2020-03-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO. (CA)

XXXX XXXX  XXXX, a law firm in XXXX XXXX, CA has been contacting and harassing me for TWENTY plus years over a car loan that I never had, The loan was initiated due to identity theft when I was in college and lived in Washington State. They have continued to pursue me throughout the years, and claim they served me with a court summons in the year 2000. In that year I did not live in California, and did not have the PO Box that they claim they served me at as I had used it years before and did not live in XXXX XXXX, anyways. Fast forward, I just received a judgement for XXXX for a debt that is not valid. They did not serve me legally, so I had no way to defend myself. Had I been served legally, I would have shown up with my police report, letter from City Attorneys office, Affadavit of Fraud from the FTC which is notartized, and it would have been taken care of. Now I have a judgement and have to deal with it. I am a XXXX person, and can not even drive to this courthouse which is far away. I intend to file a restraining order for harassment, sue them, and deal with Ford Motor Credit and the court directly. Even if this was a valid debt, which it is not, the statute of limitations expired 18 years ago. I saw very bad reviews about this firms ethics and I can certainly see why.
Consumer complaint received 2020-03-06
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. (TN)

I leased a car from XXXX XXXX XXXX, I had the car for 7 months before the car was wrecked my contract stated that because I paid a damage waiver fee that I was no longer responsible for the lease or the damage. XXXX XXXX XXXX reported this car to my credit as an open on time car loan after the car was wrecked to keep me from being able to get a loan through another company I asked several time just for proof that I didn't owe on this car to be able to get approved for another loan they refused to help me in anyway the only option they game me was to lease another car from them because no one else would give me one now I'm stuck paying for a car I hate and can't afford.
Consumer complaint received 2024-10-26
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: EQUIFAX, INC. (NJ)

See attached Documents In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C. 1681 ( a ) ( 4 ), FCRA section 602 ( a ) States I have the right to privacy. 15 U.S.C. 1681b-a ( 2 ) ( Section 604 A section 2 ) : It also states a consumer reporting agency can not furnish an 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, ( they may only report crimes not debts ) 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 the information is inaccurate. Please also see the Certified copy of the Department of the Treasury Division of Revenue Uniform Commercial Code Section SEARCH CERTIFICATE # XXXX SEARCH CRITERIA for XXXX XXXX, the Consumer, whereas the search results stated : " NO RECORDS FOUND ''. Please have RESPONDENT prove to Affiant and the CFPB that there is an actual debt and the fact that said alleged debt is owed by Affiant when the department of the Treasury States otherwise. Resolution : Financial compensation in the amount of {$1000.00} USD per day since the inception and start of the negative reporting to current date and {$100000.00} for the fraud and deceptive practices that is ongoing and causing irreparable harm, stress, mental anguish and undue financial hardships for Affiant. Please delete these accounts properlythank you!
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM HIGHLY DISAPPOINTED THAT THESE FRAUDULENT ACCOUNTS ARE STILL REPORTING ON MY REPORT. AS YOU ALL CAN SEE I HAVE ATTEMPTED TO GET THESE ACCOUNTS REMOVED AS I AM A VICTIM OF THE EQUIFAX AND XXXX BREACH. THIS IS VIOLATING MY CONSUMER RIGHTS PER FCRA LAW. I HAVE ALSO FILED A FTC REPORT TO LET YOU ALL KNOW THAT I AM AND IDENTITY THEFT VICTIM. THIS HAVE PREVENTED ME FROM BUYING A HOME AND ITS ALSO A DEFAMATION OF CHARACTER. AS AN CREDIT REPORTING AGENCY, YOU SHOULD BE PROTECTING MY INFORMATION AT ALL COST. PLEASE REMOVE THESE FRAUDUALENT ITEMS SO I WILL NO LONGER GO THROUGH EMOTIONAL AND FINANCIAL STRESS.
Consumer complaint received 2020-03-10
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. (NC)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: New Era Asset Management, LLC (KY)

New Era Asset Management called family members and friends and left voice mails on XX/XX/2020 XXXX EST about my situations. Beside by being harassed and intimidation by this company they are now the embarrassment from them telling family and friends is unacceptable. Some how this company has access numbers illegally of family and friends that I have not gave out and they have called. 

They also used these tactics earlier in the year also and I left a message not to call the other numbers they used.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am filing a formal complaint regarding the inaccurate and inconsistent reporting of my XXXX Bank account, on my credit report. I have identified multiple discrepancies across the credit bureaus that violate XXXX XXXX compliance standards, and I am requesting an immediate correction of this accounts payment status to reflect accurate, positive standing. XXXX.Inconsistent Payment Status : Equifax reports this account as Pays account as agreed, XXXX as Paid or paying as agreed, and XXXX as Current account/was 30 days past due date. This variation in payment status is inaccurate and does not align with the standards for uniform reporting under XXXX XXXX compliance. 2.Discrepancy in Worst Delinquency Status : Equifax and XXXX report 30 days past due as the worst delinquency, while XXXX shows None Reported. This inconsistency in the delinquency record suggests errors in data reporting, especially as the account is now in good standing. 3. Erroneous 2-Year Payment History : The 2-year payment history displays conflicting information, with some bureaus marking a 30-day late payment in XX/XX/year>, despite my current positive payment record. Such discrepancies compromise the integrity of the data and violate XXXX XXXX standards for consistency and accuracy.
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (AL)

AS I HAVE DONE SEVERAL TIMES BEFORE I PLACED AN ORDER N XXXX AND BOUGHT ONE BUNDLE OF 26 INCHES OF XXXX XXXX XXXX. THE ORDER TOOK FOREVER TO REACH ME AND WHEN IT DID THE BUNDLE OF HAIR WAS AWFUL. IT WAS DRY AND IT SHED LIKE A DOG. I CONTACTED THE COMPANY AND TOLD THEM ABOUT IT AND THEY ASKED ME FOR MY PAYPAL ACCOUNT. I GAVE THEM THE INFORMATION AND THEY REFUNDED THE MONEY. BUT THE COMPANY WANTED ME TO GIVE THEM 5 STARS AND I REFUSED TO LIE SO I TOLD THE TRUTH ABOUT HOW AWFUL THE HAIR WAS. WELL AS SOON AS THEY SAW THE REVIEW THEY CONTACTED PAYPAL AND LIED AND CLAIMED THAT THEY SENT ME MONEY FOR A PRODUCT THAT THEY DID NOT RECEIVE. THEY BECAME ANGRY ABOUT THE FACT THAT THEY GOT A BAD REVIEW. SO THIS MORNING I GET A EMAIL FROM PAYPAL TALKING ABOUT THEY PUT RESTRICTIONS ON MY ACCOUNT AND TRIED TO DEDUCT THE MONEY BUT IT WAS NOT THERE. WELL IT WAS NOT THERE BECAUSE I DON'T OWE IT. THE NAME OF THE COMPANY WAS XXXX. THEY EVEN GAVE PAYPAL A TOTALLY DIFFERENT COMPANY NAME.