davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XX/XX/XXXX, I reached out to Lakeview Loan Servicing , LLC to request a streamline refinance loan. I spoke to XXXX XXXX. At XXXX CST XXXX followed up via email with the application to complete the streamline refinance process. On XX/XX/XXXX the requested documents were uploaded to the portal we were assigned. On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX was assigned as a loan processor. XXXX XXXX reached out via email XX/XX/XXXX at XXXX CST introducing herself and mentioned she is working with XXXX XXXX XXXX She asked for a new utility bill stating the bill I uploaded did not have the correct address. This was incorrect as I have proof of the original water utility bill I uploaded into their portal is my utility bill for my address. I called her that afternoon and was unable to reach her so I spoke with her colleague who looked up the utility bill and stated " this bill is correct and does match your address '' the lady said she took notes on the account. I called back in after hanging up with XXXX 's colleague and left a voicemail for her. Since XX/XX/XXXX until XX/XX/XXXX we have not heard from XXXX XXXX, XXXX XXXX nor anyone from the company on our status of our closing. Throughout this timeframe, I called multiple times as well as my wife from her phone and never have been connected to XXXX XXXX but were connected to others in the organization who's response was they are not assigned to our loan so they can not help us but they took our information and said they would have XXXX XXXX or her manager reach out to us. No response. Also, multiple emails were sent from my wife 's email and mine to XXXX XXXX with no response. On XX/XX/XXXX, my wife finally got in touch with XXXX XXXX who tried to apologize and stated the utility bill that we uploaded was correct and valid, he recommended uploading the latest utility bill since it had been 30 days already, which my wife uploaded to the portal while on the phone with XXXX XXXX. XXXX then stated he was going to make three phone calls and call us back in a few minutes. Since that conversation, I have not received any communications phone nor email from anyone. Today, XX/XX/XXXX I've called XXXX XXXX 4 times, spoke to his collegeue who gave me XXXX 's managers contact information XXXX XXXX who I called twice and left 1 voicemail. I also emailed XXXX XXXX XX/XX/XXXX as well. This is not only irritating but is causing me to continue to pay a higher interest rate due to their inability to pick up a phone or communicate with their client. I continue to pay my mortgage on time and have never been late.
Consumer complaint received 2021-03-24
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. (MI)

XX/XX/2021 Dear Consumer Federal Protection Bureau, Please be advised that I have never filed a complainant against a credit card company ever before. 

My XX/XX/XXXX account mainly serves as a vehicle for XXXX XXXX Purchases which ends in the number XXXX was compromised with XXXX XXXX Visa card by XXXX with an unauthorized charge against my XX/XX/XXXX credit card on XX/XX/2021 by XX/XX/XXXX ONE TIME FOR A TOTAL CHARGE OF {$540.00} DOLLARS. 

This unauthorized charge by XX/XX/XXXXWAS NOT APPROVED BY THE COMPLAINANT NOR DO WE KNOW HOWXX/XX/XXXX OBTAINED MY XXXX XXXX XXXX XX/XX/XXXX VISA CREDIT CARD. 

This compromised security breach of XXXX XXXX XXXX XXXX VISA XXXX CARD had caused harm by suspending my purchases opportunity at XXXX XXXX AND RECEIVING A CREDIT REPORT ACTIVITY ALERT FROM MY DISCOVERY CREDIT PROGRAM. MY DISCOVERY IDENTITY THEFT MEMBERSHIP HELPS ME STAY INFORMED ABOUT THE CHANGES TO YOUR CREDIT REPORT. RECENTLY, DISCOVER IDENTITY THEFT PROTECTION PROGRAM RECENTLY, DETECTED ACTIVITY THAT NEGATIVELY IMPACTED DAMAGES TO MY CREDIT HISTORY SINCE XXXX XXXX XXXX XX/XX/XXXXVISA CREDIT CARD SENT OUT THIS DAMAGING REPORT THAT MY CREDIT CARD WAS OVER LIMIT. 

I had called the XX/XX/XXXX representative to report this illegal unauthorized charge and the representative stated they would remove the {$540.00} dollar charge and re-issued another credit XX/XX/XXXXXXXX Visa Card which arrived in the mail on XX/XX/2021. 

I had talked with the XXXX Representative on XX/XX/2021 regarding my suspension of charge card privileges and my credit report negative activity alert which I explained has damaged my credit card history by all 3 credit bureaus, including XX/XX/XXXX credit agency. The XXXX Representative says they can not do anything about there negative reporting against me that I am over my credit limit to 3 reporting credit agencies. 

XXXX Legal says they are investigating many other complainants, some class action XXXX s ) investigations surrounding these issues and randomly lowering customers credit limits without notification to the customer card account owners causing hardships and other financial penalties which do occur. 

I pray that the Consumer Financial Protection Bureau will order XX/XX/XXXXto remove there false negative credit reports to all 3 credit bureaus due toXX/XX/XXXX Compromising my credit information and allowing XX/XX/XXXX the capability to approve this illegal unauthorized one time charge of {$540.00} dollars. PLEASE INVESTIGATE XX/XX/XXXXPOLICY AND PRACTICE TO APPROVE THERE UNAUTHORIZED CHARGES AGAINST XX/XX/XXXX CUSTOMERS. 

THIS NEGATIVE FALSE OVER THE LIMIT REPORTING HAS CREATED DAMAGED MY FINANCIAL OPPORTUNITY TO RE-FINANCE MY HOUSEHOLD MORTGAGE AT A MUCH LOWER RATE OF INTEREST. 

I HAVE A CREDIT RATING IN THE LOWERE XXXXXX/XX/XXXX RANGE. 

THANK YOU AND XXXX BLESS.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (MN)

Deposited {$500.00} directly into Gemini Exchange to buy crypto on Friday, XX/XX/2021, with expectation that I could withdraw within 1-3 days. Before I deposited I also submitted verify my identity with valid drivers license and sharp image quality. Sent two support ticket emails and have not heard back to original request or follow up inquiries. 

After reading more reviews online, I am hearing that many have experienced this same issue. Im only looking for a response and/or approval of the identity verification requirement. Thank you for any assistance your organization can provide.
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

This collection agency is attempting to sue me and collect on a debt that was a result of fraud. I notified them of this on multiple occasions both in written and in verbal form. 
Additionally, this collection agency is using XXXX tactics such as 1. contacting me during all hours of the day and night.

2. The acts of this collection agency interfered with the quiet enjoyment of my property 3. Not notifying me of this debt in a legal manner.

4. Harassing me at my place of employment sending letters and making phone calls to my job forcing me to get have to leave my place of employment.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (CA)

I was notified by my employer of my wages being garnished for a debt in the amount close to $ XXXXThis is a previously approved credit card of {$6000.00} 15 years ago? The Company is VISA ASPIRE. Never have I been in the presence of this approved credit at 20 years old. No credit history no full time job but my social security was hacked into and used to be approved for something I never had access to. There are unknown records of delinquency in XXXX and payments made towards this in XXXX. I called to locate this application and to ask for the proof of approval but they could not locate this account. Furthermore could not prove I have an account there. My " account '' was place with a collection agency XXXX XXXX XXXX which I have been sued for something I have no direct connection too. Please help stop this fraud and please relinquish this debt from my social security as it is damaging to my livelihood! I am doing my part on filing a claim and a police report to help my case.
Consumer complaint received 2021-03-24
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: Blackhawk Network Holdings Inc. (VA)

I had an unauthorized charge on my account and have submitted the necessary information to the gift card company several times but they have not responded. Attached to this complaint is the form the company required me to fill out.
Consumer complaint received 2021-03-23
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. (NJ)

XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Are all reporting inaccurate information on my credit report reported by all three credit bureaus XXXX, Equifax and XXXX. These companies are reporting different balances and dates to each credit bureau. I have been asking them for the past 6 months to validate this debt to see if it belongs to me because I was recently hacked and wanted to make sure nothing else was taken as I have been trying to get a house for my mother and noticed all these items being reported. This is a direct violation of the FCRA and FDCPA. Ive given them ample time and as you know I the times we are in we have all been trying to adjust to new changes but not getting a response is unacceptable as I have been sending them letters since XX/XX/2020. Nothing has been updated on my credit report either. How can I make a life for myself if my credit is being taken advantage of by these companies that are suppose to " help '' us. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my XXXX XXXX subscription I get monthly. Update at once, Ive also reached out to a FCRA lawyer since you guys have leaved me pretty much no choice.
Consumer complaint received 2021-03-23
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: BARCLAYS BANK DELAWARE (NV)

I had two charged off accounts from 2019 with Barclay 's and have been trying for months to pay it off and settle it and have received nothing but grief. First it was sent to XXXX XXXX XXXX then it was sent back, then back to XXXX, then back to Barclays. I've been told by several people that " we can't locate your account and don't know where it is ''. 

No one can find the accounts and as of today I have made more than 314 calls over a 3 month period without resolution!
Consumer complaint received 2021-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (TX)

I have a mortgage with Oceanside Mortgage Company. I have been making my payments all this time for years. suddenly without any notice, I learned that my payments changed. Oceanside stated that they are now paying my taxes and insurance. I was never given a notice or an option or anything. I informed them that I want to pay my own taxes and insurance. This mortgage company is acting illegally and are violating my rights. They did this as soon as I requested the payoff amount on my mortgage. I told them that I want to pay off the balance in full.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Im filing this complaint against XXXX, I have tried to resolve and handle this issue through XXXX, unfortunately several times I spoke with there reps, unprofessional, I was hung up on and no help I have over 54 inquiries on my credit report I want these credit inquiries removed I have filed a FTC Identity theft report about this issue I am not going to list all these inquiries because I found them in my credit report and I want them removed and i am disputing them as fraud, but do not place a fraud alert as I have a credit lock I will be using, I will take screen shots off my credit report of the inquiries, I do not recognize these inquiries at all, XXXX  needs to have better customer service in place where people know consumer law, anything I dont recognize on my credit report, i want these removed I have filed numerous complaints and XXXX  is ignoring to anything I even have monitoring and fraud resolution specialist but Im ignored about that, I want this resolved or I will keep filing complaints until this is resolved and these inquiries might be one or more if the same, I counted 54 inquiries I want removed off my report I did not ask for these inquiries and I would like them removed and my report corrected .thank you
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

This letter is to formally advise that Medical Revenue Service has violated several of my consumer rights. Specifically Exhibit A : placing acct # XXXX on my credit reports before 30 days of asking me to verify debt. Exhibit B : failed to Validate my request of Debt and HIPPA authorization after I sent a letter on XX/XX/2021 for Validation. Which is an FDCPA violation and HIPPA violation.. Exhibit C : continuing to report disputed debt to the Credit bureaus, another FCRA violation XXXX Not only did Medical Revenue service ignore my prior requests for validation of debt and HIPPA authorization but continued to report this debt to the credit bureaus after I told them it wasn't my debt, causing damage to my character. As you may be aware " XXXX  by silence '' legally means that Medical Revenue service had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false. I will use XXXX in my defense If I need to sue.. And also seek damages from Medical Revenue service if warranted.
Consumer complaint received 2020-12-06
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. (UT)

I am writing this due to non-compliance with the XXXXXXXX  Credit Reporting Agency, Equifax Credit Reporting Agency, and XXXX  Credit Reporting Agency.

They have failed to remove information that was affiliated with personal details that was 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 2021-03-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Due to Financial and XXXX XXXX, on XX/XX/XXXX, I submitted application for modification and it was approved. Trial modification for three months, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
After complying with Trial Mod. I called Wells Fargo Home Mortgage, requesting documents for Permanent Modification, was advised I will receive docs. in 15 days.XXXX XXXX, XXXX, spoke with XXXX at Wells Fargo, 31 minutes she kept me on hold, going back and forth asking my inquiries to her XXXX, her conclusion advised it would take 45 days to receive Modification Documents due to load of work. 
Month of XX/XX/XXXX, she advised to pay less amount of loan due to a credit on my account. 
XXXX XXXX, wrote letter also called WF concerns of not having new mod statements and they have not paid my Homeowners Insurance that due XX/XX/XXXX. My modification is up in the air. Im very concerned after Wells Fargo XXXX, had me on foreclosure due to their negligence.
Consumer complaint received 2021-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is two accounts on my credit report that DO NOT BELONG TO ME. I have tried reaching out to the bureaus as well as the furnishers but have received no response back these accounts are not mine again. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-03-23
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-23
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: EQUIFAX, INC. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The XXXXdit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

capitol one bank suddenly decided to close all 3 credit cards i had with them no reason given, fair enough if they dont want to do bussiness with me that thier right even if they wont explain why but they are holding approximately XXXX points worth at least {$700.00} or more without any reason and will not release them despite me asking many times.
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rushmore Service Center, LLC (MA)

I called XXXX XXXX at XXXX. I made an offer to settle an existing debt I owed. The lady I was speaking incredibly condescending and insinuated that I was morally bankrupt for not offering to pay the full amount. I expressed that I simply was looking to take care of my debt that I owed and would like to speak to a manager. I was then put on hold for 50 minutes. No one jumped back on the call at any point in time to tell me if I was still being connected. Just 45 minutes of hold music. I used a separate phone and called to ask to be connected with their FDCPA compliance department or a Manager. I was told they had no compliance department and no managers were available.
Consumer complaint received 2021-03-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

Last year we had a 6month forbearance on our Mortgage. Now we are trying to refinance in order to save money and move from a FHA loan to a conventional loan. I am told there is a FHA LEIN on mortgage to the tune of just over XXXX. We requested forbearance amount to be placed on back of loan - however by paying this amount back in full, ontop of refinancing principle balance will exceed the original amount of the loan to begin with. If this amount is repaid, it should reflect in principle loan amount decreasing not increasing by the XXXX. Currently mortgages is at XXXX, so paying this should reduce mortgage payoff amount, not add to total mortgage. This is paying the forbearance amount twice if refinanced - once to FHA and once to my current Lender, with out it ever impacting my actual loan amount. Please help resolve this issue! Thank you.
Consumer complaint received 2021-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On the XXXX of XX/XX/2021 I submitted a formal complaint regarding inaccurate information being reported on my Transunion credit report. 30 days later with no response from initial complaint regarding the incorrect information, on XX/XX/2021 I submitted a request to be provided proof of the inaccurate items.
Consumer complaint received 2021-03-22
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. (NY)

Some time in the beginning XXXX I sent all XXXX bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day XXXX have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Consumer complaint received 2021-03-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (CA)

I leased a XXXX XXXX in XX/XX/XXXX. I have never missed a payment and have paid more than the required payment on most occasions. I always mail my payments in and did not have an issue. In XX/XX/XXXX I did send a double payment via mail as usual. I received a call on XX/XX/XXXX from a phone number I did not recognize. I received a call the next day and I found out that my payment has not been received. I did make a payment for XXXX and XXXX while I was on the phone with Lincoln Financial on the same day. I did not receive any other communication from Lincoln Financial regarding the miss payment before XX/XX/XXXX. The day after the payment was made I was informed that my credit score has been negatively affected not for the late payment but for being delinquent for the total amount of the remainder of the lease. I have called Lincoln Financial at least 10 times regarding this matter. I was told that the dispute department only corresponds by mail. I mailed 2 letters to Lincoln Financial and finally received a response that basically said they stand by their decision. I could have easily blamed it on COVID and requested 3 months relief ( no payments for 3 months ). I do not think this situation was handled fairly, properly or professionally. I feel I am at the mercy of Lincoln Financial and they are not willing to listen or work with me at all.