davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I have been ill. I was let go in XXXX of XXXX XXXX.Lakeview Loan Servicing promises to help in hard times so I tried to take them up on their program for unemployment deferment. They wanted 2 years pay stubs. I only had partial records all of XXXX. I contacted CFPB once before. They called me and said I just need to sent the pay stubs. I sent everything I had. I may have forgotten the bank statements. I just got the letter today from Lakeview saying untimely and incomplete and denied my unemployment deferment. I am afraid to miss a payment but I can't keep paying this. I need a break and a chance to catch up, get well and get some contract work. 

I have been XXXX  and my XXXX are acting up, XXXX XXXX   and also I am XXXX XXXX XXXX. They did not approve my deferment. I have been paying the mortgage out of my Social Security Disability XXXX XXXX, unemployment insurance and savings from my 2 years of work at the XXXX. The savings is for my wife 's XXXX. 
It's all been a nightmare. The job was too hard 24/7 on call  XXXX. Too many hours. Good money though. 

We ended up in a home with a {$2000.00} house payment. XXXX XXXX XXXX, the loan officer, XXXX XXXX, said it would be {$1400.00}. When we got done there was a Conventional 1st, an HFA 2nd and a zip loan even though we had the 3 percent down and a {$2000.00} payment. 

My wife needs both XXXX XXXX. We had a 60 day notice at our rental. We have a bully breed dog and I had to try to buy the house or go homeless. 

We love the home and want to keep it. But I feel Lakeview LLC, the loan servicer and XXXX XXXX XXXX could have done better.
Consumer complaint received 2019-10-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

SUBJECT : Carrington Mortgage I called Carrington Mortgage Services when I received my XX/XX/XXXX bill ( attachment # 1 ) because the bill does not show a late payment date or a late fee amount. I was told that because I file for bankruptcy in XXXX that there is not a late payment date or fee as long as I make the payment before the end of the month. 
On XX/XX/XXXX I received a late notice ( attachment # 2 ). Carrington did not clear the check until XX/XX/XXXX. I also received my XXXX bill with a late charge on, posted on the back, ( attachment # 3 ). I called Carrington on XX/XX/XXXX and I talk to XXXX ( # XXXX ) she said that because the amount and date was not on the bill the late fee would be waived. She also said that even though the amount and date is not on the bill, the bill is due by the XXXX of the month. When I received the XXXX bill again no date or fees for late charge is on the bill. I paid the bill and the check cleared by bank on XX/XX/XXXX. 
On XX/XX/XXXX, I received another late notice ( attachment # 4 ). It was dated XX/XX/XXXX. I called Carrington again and talk to XXXX ( # XXXX ). I told him that the payment cleared before the XXXX. He said the bill is due on the XXXX of the month. I asked how I can receive a late notice dated before the XXXX. He said the real nasty what else can I do for you. 
Since XXXX I have not paid any late payments on any of my debts. This feels like harassments because they send me bills without information regarding a date or amount of past due bills and they send me late notices. I shouldnt have to call Carrington monthly. 

Please Help
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX I received several calls from American Express Serve Fraud Division, after the 4th call at XXXX XXXX, I answered the 5th call and was asked if I was out of state as there were 2 attempts to charge at XXXX in XXXX, GA, one for over {$500.00} and the other for over {$120.00}. 
I was advised that the card was compromised and not to use it or try to log in to the on line account as it may not allow me access if the account was compromised and within 24-48 hours I would receive a new card, All this was verbally said to me then I was asked for the code on back of the card in order to verify that I had the card in my possession and I wasn't out of State. 

After 2 days of not receiving a new card I subsequently logged into my account and discovered all monies had been taken out of my account and the sub account had been depleted as well. 

On XX/XX/19 {$410.00} taken out from XXXX in XXXX, FL ; XX/XX/19 {$620.00} taken out at XXXX in XXXX FL ; and at another location on XX/XX/19 {$500.00} was taken out at XXXX in XXXX, FL as well as in XX/XX/19 the day of the call monies from my reserve account was taken out {$500.00} was one transaction then another in the amount of {$500.00} taken out and moved to the primary account. 

This had to be done by a representative that works at American Express Serve as the reserve account is hidden and you just can't get into that account and take the money. 

I am getting the run around and no accountability as to how this blatant act occured. 
As past practice has been that whenever I make purchases over {$100.00} ; I immediately get a text message inquiring if I am attempting this purchase, yet for these transactions I received nothing, no call no text message. 

This is a fraudulent act of larceny committed by an employee of American Express Serve.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I attempted an online purchase with my Capital One credit card. It triggered a suspicious use flag in their system and was declined. I rung Capital One and they fixed the problem and assured me I could now make the purchase. 
Upon trying again it was declined again. 
I called Capital One back and was told it had now escalated and they couldn't restore my card without being able to send me a PIN to a US cell phone. I am a non resident alien so do not have a US cell number available. 
I have a US ITIN and various other govt ID issued from XXXX XXXX. 

I then had to call again and be put through to an account manager who basically advised I would have to try and apply for US ID to get my card reinstated. As they had no problem opening my account years ago with my ID I am incredulous that now they are basically forcing me to cancel my card because I don't have a US cellphone? Completely ridiculous. I want my account reactivated and an apology for their error creating the whole problem. They have various info they can confirm over the phone adn years of history they could quiz me on etc. 

I have made about 6 phone calls in total with zero assistance and have emailed the CEO without response. 

My name is XXXX XXXX. I am the only client they will have with that name.
Consumer complaint received 2019-10-19
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. (WV)

I was looking over my credit and I seen a address that I never lived at in XXXX OH. XXXX XXXX XXXX XXXX, OH XXXX. Someone was apply for accounts in my name for cellphones an credit cards at that address. There are several accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX that I do not recognize. I have filed a complaint with the FTC and the CFPB to protect my identity. I live in XXXX West Virgina. I never live in XXXX OHIO. I am trying to refinance my home and I need these accounts removed they are fraud.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax and XXXX  credit bureaus placed bankruptcy on my credit report. No bankruptcy record on file at courthouse in XXXX. Letter of dismissal is available from Judge. Letters filed and request for removal from credit reports not being handled.
Consumer complaint received 2024-09-04
Product: Credit reporting 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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2019-10-19
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. (WV)

I was looking over my credit and I seen a address that I never lived at in XXXX OH. XXXX XXXX XXXX XXXX, OH XXXX. Someone was apply for accounts in my name for cellphones an credit cards at that address. There are several accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX that I do not recognize. I have filed a complaint with the FTC and the CFPB to protect my identity. I live in XXXX West Virgina. I never live in XXXX OHIO. I am trying to refinance my home and I need these accounts removed they are fraud.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate. 

Please provide the requested information at your earliest convenience or remove/update the disputed items.
Consumer complaint received 2019-07-23
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. (TN)

. I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-04
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. (AR)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2019-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc. (NJ)

Aspen National Collection is a third party debt collector that have called my phone numerous times until I asked them to stop harassing me for money that I don't own to them. I owe {$950.00} to the original party since XX/XX/2019 of this year for my maintenance fees. I am late on my payment because of hardship and the original party hired this company to collect the payment. Aspen have since reported an inflated outstanding debt totaling {$1300.00} to the credit bureaus, including their debt collection fee of {$390.00}. They are reporting to the credit bureaus implying that my account has been either been sold or taken over by them ( Aspen ). They are charging me as if they are a legal/law firm hired. They are blocking me from continued business with the original party since I have a tax bill with the original party due soon. I will not be able to pay the tax bill directly since my account has been tied with Aspen and  their fees. It occurs to be a unjust cycle and their leverage is to continue to charge inflated fees until it's paid in full.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Mercedes Benz Financial Services (CA)

When I first purchased the vehicle the dealer had said I would be able to get lower interest within a few months. Then I realized that I was paying 10 % interest DAILY. which is insane. my interest charges are 10 % which I believed would be the monthly interest but it turns out its basically a 10 % interest daily. Im just XXXX years old with a XXXX loan at 10 % which to me is ridiculous. I wanted to see If I can get any sort of help because I'm only stressing myself out not only with this type of payment but also with college added on. Please let me know what I can do, thank you.
Consumer complaint received 2019-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

This old account was handled properly. 
The account was closed by me ( the consumer ) and the final bill was paid years ago. 
This was reviewed previously with another agency and they resolved the non-existing problem. Now, here again a new agency is calling for a debt, I never owed. I'm furious that they are calling my job as well. It needs to stop!!!!!!
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

I was approved for two store credit cards with Comenity Bank, XXXX, XXXX and XXXX and XXXX. I also have a XXXX account with them that was paid on time and even paid off early. I went to use one of the cards right after receiving and was told the account was closed due to the bank deciding I was a high risk. This then happened again today with the other new card. What they did though was report both accounts as newly opened accounts to all bureaus then closed them right away and this action dropped my credit scores by almost 20 points. I have been working for years after a bad marriage and an ex who ran up all my bills to get my credit back on track and finally had scores over 700 until this happened. I was told on the phone that the cards were pre approved and the bank had the right to take that back. I have been in the finance industry for over 30 years now and a pre approval should not be something reported on credit reports. They should not be allowed to report until a FINAL decision is made. I feel this is a horrible business practice and I am not the only one. XXXX this company and there are hundreds of people if not thousands who have been adversely affected by this poor loophole.
Consumer complaint received 2019-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

Fraudulent Reporting to Credit Reporting Agencies of a Debt I Do Not Owe ; This collection agency is in violation of FCRA 1681s-2. 

This collection agency is in violation of the Fair Debt Collection Practices Act ( FDCPA ), formally known as and codified under 15 USCA 1692 ( a-p ) as they failed to provide me with the following information : 1 ) Collection notice about the debt ; 2 ) Proof that I owe this debt ; 3 ) How this amount has been calculated in a way I can understand ; 4 ) Copies of papers or documents where I agreed to pay what you say I owe ; 5 ) Proof that you are licensed in CA, and provide this license number to me.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX is reporting an old account on my report, via Capital One Bank USA, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand Capital One Bank USA provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both Capital One Bank USA and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe Capital One Bank USA a dime, and they know it, and XXXX should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.
Consumer complaint received 2019-10-23
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: EQUIFAX, INC. (TX)

This relates to the previous complaints # XXXX ( Submitted XX/XX/2019 ) and XXXX ( XX/XX/2019 ). 

Equifax is " zombie-walking '' the original complaint - first 1, they repeated their unlawful behavior by prohibiting our free right to to conducting commercial business as it refuses to unfreeze our account. Then 2, they couldn't find the account ( see previous complaint ) using an erroneous version of our name. This is an abject failure to do provide a service we have NO RIGHT to refuse and are beholden to. Then 3,  see attached, the send an administrative note to guide self-management of our account WITHOUT a PIN!!! Clearly there is no interest to provide a service because it is NOT A SERVICE, it is a mechanism to profit of people 's personal information. 

Are we going to go in circles here. We are building a good case to take to congress here en masse.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (NM)

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.

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 XXXX 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.