davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

The Company is : Lakeview Loan Servicing , LLC or XXXX Attn : Consumer Solutions Department XXXX. XXXX XXXX XXXX XXXX, VA XXXX I closed on my home XX/XX/XXXX. 
In my closing papers my new forwarding address was listed as XXXX XXXX XXXX XXXX GA XXXX. 
On XX/XX/XXXX- XXXX XXXX XXXX ( XXXX ) paid XXXX {$1600.00}. This was alarming considering I already closed on my home, so I called to find out what was going on. 
- XXXX confirmed they recieved payment from XXXX and issued me a refund check for {$1600.00}. 
- The XXXX XXXX XXXX Stopped the check to XXXX  ( apparently the realized they paid them by mistake and sent my refund check to XXXX XXXX XXXX XXXX GA XXXX on XX/XX/XXXX ( or so they say ) Well that is not my address anymore, i clearly sold that house, so i cant figure out why they did this. 
- Since that is not my address i started calling XXXX XXXX XXXX and trying to MY ESCROW money sent to me ... 
- I have called SEVERAL times and always get put on hold and wait for 25 minutes before they disconnect me. 
- I believe this company is trying to steal my money and put me on a block list so i cant speak to management. 
- I am now trying any avenue possible for them to send me MY MONEY to the CORRECT address, this entire mix up is all their fault and they need to be held accountable for holding MY money for so long without permission. 


Please remove my address before publishing
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (TX)

The issue is that I am a victim of Identity theft and you had multiple loans applied for in your name. After I reported the fraudulent applications to the creditors involved you sent disputes to clean your reports with the credit bureaus. After some time both XXXX and XXXX removed all of the fraudulent accounts and inquiries that you reported to them but Equifax has not. I have attempted to dispute these inquiries multiple times with Equifax but they refuse to remove them and instruct me to " reach out to the creditors and request they remove the inquiry ''. I did attempt to reach out to the creditors but they were unable to assist you with the removal because they have already reached out to Equifax the first time it was reported to them. At this time there is still a list of fraudulent inquiries on the Equifax credit report that they are refusing to remove. 

List of fraudulent inquiries on the Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My desired outcome is that Equifax remove all fraudulent inquiries from your credit report.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

Hi, Back in XX/XX/2015, I confused the monthly payment due date of my XXXX XXXX credit card with another of my credit cards payment due date. The amount was under {$50.00} and by mistake, I made the payment on the other card. That novice mistake ended up counting as a missed payment on my credit report preventing my credit score today from being excellent to good ... 
I have never confused credit cards payments due dates ever since and also I have never missed a payment on any of my credit cards since as my credit history record will show ...
Consumer complaint received 2018-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ND)

It started my freshmen year ( XX/XX/XXXX ) when I first applied for loans. I was told everything I would pay everything after I graduated school. But I was miss guided and didnt select the correct box. So I was forced to pay loans through out college. I questioned it after I was told to pay, and they said there is nothing they can do and it was to late to change the terms of the loan. So there were periods throughout my college career where I choose life before loans. 

Fast forward to XX/XX/XXXX/XX/XX/XXXX- I was rushed into forbearance. I was under the impression that all my loans would go into forebarance with Naviet. Giving me a longer grace period of time after graduation as well. That was not true. I was under the impression all my loans were going to be reconsolidated but they werent, only my federal loans were. I feel it was a ploy to get all of my students loans paid back with Navient. Navient also bought all my loans from Sallie Mae during my college career. Another ploy for me to give navient my money? 

Fast forward to later in XX/XX/XXXX. I was in a bad transition period of not having enough money to pay for my loans and I was fighting to live. I was often times caught between choosing to pay my loans or living ( food, rent, etc. ). My credit was destroyed for about 4 months trying to get caught up. And I was met with nothing but harassing phone calls to pay my bill. They called my co-signer and harassed them as well. I was making some payments that I could but was not good enough. I used my tax return to get caught up. But the damage was done to my credit. I lost about 100 points. This happened roughly XX/XX/XXXX/XX/XX/XXXX and lasted until roughly XX/XX/XXXX/XX/XX/XXXX when I used my tax return to get caught up on loans.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY ()

XX/XX/2018 I receive this deposits in my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX USD Total XXXX USD Same day at nigth i check that in my banking online that i had a bank debit for XXXX USD value, so i called at the time and made a claim, so the customer service told me that i had a note in my account for the lost prevention department so i must call them the next day, they said that department had freeze the account and they had to ask me some questions before unfreeze it. 


XX/XX/2018 First time in the morning i check the account again and i can see that XXXX XXXX were missing from my account and i called again very worried about the situation and customer service told me again that i had to call to Lost Prevention Department and ask them about that money. Finally i could made a call to them and their answer was that they had superiors orders to close my account for good with no explanations, that i had to look for another bank, they sent a letter 30 days ago to my billing address and i never get it because my home address is in XXXX and the mail service for USA - XXXX was down this new year, anyway ... after i ask them several times to understand me and help me they agree to give me back the XXXX XXXX they took that day but the XXXX XXXX from the day before they just told me to made a claim from customer service for that money. 

XX/XX/2018 I made a claim for the XXXX XXXX XX/XX/2018 I call to ask about the XXXX XXXX claim and i had check for another fraud made to my account for XXXX XXXX, that was an unauthorizing payment from XXXX XXXX XXXX, 2 days before i get a similar one and after i made a claim they put an Stop Payment Order for that company but it didnt work, after 5 hours talking with several departemtns in Wells Fargo where all of them send me with Lost Prevention Department telling me that they had the money finally Lost Prevention Department told me about one client who did the deposit for the value of XXXX XXXX some time after he come back to the bank and showing the receipt and telling to the teller some XXXX excuse the teller withdraw the money from my account and give him back, so i tell the lost prevention department that this is not legal anyone besides me or someone who sign in my account cant withdraw money from my account without my permission, that they answer me that anyone with a receipt can do it. 

Some months before another scammer try to do it the same and i made a claim and the bank give me my money back because anyone besides me cant withdraw money from my account, so why now they are telling me they can?, they ask for proof and i give them, i always have the receipt from my clients, so i can show all the proof they want. 


Thanks for your help.
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: EQUIFAX, INC. (AZ)

I have attempted mailing in multiple disputes to these bureaus and have yet to receive a response. There are hospital bills attached to my credit that I am not aware or responsible for and have reached collections yet I have received no further information supporting the continuous reported information. This is making it very hard for me to improve my credit and gain the trust of creditors. I reached out to all 3 bureaus by mail XX/XX/2021.
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (WA)

I opened up an account with XXXX for a purchase of a moped. I stopped receiving notifications of the debt. They turned it over to a collection agency and then covid hit. The day after restrictions were lifted, this company sold the debt. I set up automatic payments with this company. There were taking money out of my account every month. In XXXX, I received a call from XXXX XXXX stating my payment was missed. I double checked my account and it was taken out. They wanted me to make a payment with them over the phone. I assumed this was a scam. I called my bank and they said the money was taken from my account and transferred the payment to XXXX XXXX XXXX. I called the supervisor I set the payments up with. He told me there was something wrong with their system and everything had to be re-entered. He asked that I send him proof of payment, which I did. He told me not to make a payment with anyone that he would fix it and if anything else was needed he would call me back. I even received an email thanking me for the phone call. I never heard back. My co-signer just received notification it was sold to another company and I have not made a payments. I am not sure how they can sell it and try to say I have not been making payments when they were set up automatically.
Consumer complaint received 2017-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I wanted a pay-off quote for my mortgage loan with Freedom Mortgage ( Loan # - XXXX ). So I went to their website and logged into my account to see if I can get it online. In their FAQs section they mentioned the process as below. 
-- -- -- -- -- -- -- How do I request the payoff amount for my loan? 
You XXXX contact our Customer Care department at ( XXXX ) XXXX to request your payoff amount. Freedom Mortgage Customer CarXXXX representatives are available to assist you Monday through Friday from XXXX XXXX and Saturday from XXXX XXXX Eastern Time. You may also send a request to XXXXXXXXXXXX or mail to Freedom Mortgage, XXXX. XXXX XXXX, XXXX, IN XXXX. 
Please be advised, we are not able to send a payoff quote to a third party without the borrower 's authorization. Please ensure the authorization is provided at the time of the request. 
-- -- -- -- -- -- -- So I sent an email request on XXXX to the email address mentioned above. There was no mention of any fee for this payoff quote request in their website. 

Since I did not get response, I called the Customer Service number provided above on XXXX and asked for Pay-off quote. The agent said they are working on it and I will get in couple of days. There was no mention of any fees for this payoff quote request during our conversation. They can check the call recording. 

On XXXX I received the payoff quote by email and in that email also there was no mention of any fee that would be charged for requesting payoff quote. 

On XXXX when I checked my Freedom Mortgage online account in the website, I see that there was a {$30.00} fee that was charged towards this payoff quote request. 

This is extremely unfair to charge me a fee when there was no indication on the website or I was told about this when I spoke with the agent on XXXX. 

I called Customer service on XXXX and they said they can not revert back the fee. Why should I pay a fee that I was not told or disclosed to me earlier? I feel deceived by Freedom mortgage charging fees without my knowledge and they told me it was because of XXXX XXXX charging Freedom mortgage. So how will I know what other third parties charge to Freedom and then I have to take the hit on this? There is no transparency and this is cheating borrowers. 

I would like CFPB to look into this compliant and have Freedom mortgage revert back the {$30.00} fee.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I opened a checking account from US Bank ( XXXX XXXX XXXX XXXX branch ) on XX/XX/2020. The banker is XXXX XXXX. According to their offer, I should earn {$300.00} bonus when I complete two or more recurring direct deposits that total a minimum of {$2000.00}, plus enroll in e-statements. I made two direct deposits, one is {$1000.00} on XX/XX/XXXX, another one is {$1000.00} on XX/XX/XXXX. Until now, almost half a year, I still didn't receive the bonus. 

I contacted the staff in that branch for more than 5 times, and every time they said they will investigate it and let me wait. But every time there is no response.
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (PA)

On or about XX/XX/2020 we received a loan approval from Loan Depot. They had pulled my credit report and were fully aware of my credentials. 

The " lock Date '' was to expire around XX/XX/2020. I was told the loan would take about 45 days to close. 

During the period from XXXX XXXX beginning of XXXX very little was done to move the loan forward. Only until we were within a 14 day- one week within the loan termination date did Loan Depot start requesting documents. ( Example of email communication is attached herein ). 

I had my title clerk prepare the documents the Loan Depot requested. We emailed them all the paper work they requested with rapidity. 

I gave them everything they'd asked for, preparing all title work and setting schedules to accommodate a forthcoming closing. The day before the lock end they called to inform me because of something that had occurred over ten years agon, they were not going to give us the loan. 

They could have told us that back in XXXX. I want to know why it took them almost two months to come up with a reason to reject the loan. I also want to see supporting documentation to support their claim. 

I would also like to know for certain this has nothing with my age. Writing a 30 year loan for someone at my age may not be something they are interested in and they can just come up with a reason to reject the loan. 

Either way, they would have been aware of this long before they strung me out for almost 2 months!
Consumer complaint received 2017-11-04
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS 1- I NEVER HAVE ANY CREDIT OR LOAN WITH XXXX XXXX, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

2- NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

3-BANK OF AMERICA NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

4-XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE 2016 FIGHTING AND THEY DO N'T FIX IT.
5- ON XXXX XXXX I WAS ONLY ONE TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT ....
HOW CAN I FIX THIS PROBLEM ... ... ..
6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY XXXX XXXX XXXX, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (TX)

I received an alert that a new collection was placed on my credit report for {$530.00} from a company called Contracts Callers Inc. also known as CCI out of XXXX Georgia. CCI is trying to collect a debt for the City of  XXXX per my credit report. I have never heard of this company until today. My credit report states, " the collection was reported on XX/XX/XXXX as charge off/collection. '' First off, I have NOT lived in XXXX Texas since XX/XX/XXXX. To place this on my credit as of XXXX sounds like I just ended or breached a contract with the City of XXXX and failed to pay. Second, I have NOT received ANY correspondence from this company or company 's representative regarding this alleged debt by regular mail, certified mail or by telephone. Third, I  have been married since XXXX and my last name is changed so I know for a fact that this company has NOT reached out to me regarding this alleged debt. I have lived in the same home and utilized the same mailing address since XXXX. It is real disheartened that companies can put inaccurate information on someone's credit report without giving the consumer a chance to dispute a collection properly or doing a due diligent search to notify someone. I am requesting from this company as outlined under the FDPCA 809 ( b ) validation of the debts with loan agreement/contract or promised to pay. In addition, I would like for CCI to provide the alleged correspondence that was mailed along with the address they have on file for me and what telephone number CCI called. Besides Texas has a statute of limitations on collecting debt which is four years. And I do not owe any alleged debt CCI has referenced on my credit report nor do I wish to do  business with them. I will be sending a letter out to CCI today via certified mail. I am requesting that this negative and inaccurate information be removed from all three credit reporting agencies immediately.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (GA)

I am an identity theft victim and I have previously placed fraud alerts on all 3 of my credit files. Someone continuously has tried to apply for credit and inquiries are all over my report. I have not authorized anyone to apply for anything and my I have not attempted to apply for credit. I have already submitted an identity theft affidavit along with a police report and request to block or remove these inquires and yet there has been no change on my reports. These fraudulent inquiries need to be removed immediately.
Consumer complaint received 2018-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC (GA)

I have no idea who PMAB , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. PMAB , LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ PMAB , LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to  PMAB , LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (TX)

My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being violated.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Experian has a derogatory mark listed on my credit report from XXXX XXXX XXXX. The account shows closed but XXXX XXXX XXXX has requested its removal from my report and Experian has failed to do so after several months and gas claimed information is accurate in dispute investigation. A thorough investigation would show that the creditor requested it be closed and removed and therefore the information can not be 100 % accurate if it is not supposed to be on my report to begin with. I am submitting the response from XXXX XXXX XXXX on the matter through a CFPB complaint/investigation.