davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

I have a government-backed FHA loan and believe that I have been unlawfully denied a XXXX Forbearance and/or Modification from my loan servicer, Lakeview Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX 

I have serious fraud concerns regarding my mortgage servicer, Lakeview Loan Servicing , LLC., and how they have continued to bill me for past due late charges and additional unpaid fees in the amount of {$3800.00}, while the Homeowners Assistance Fund Program have been negotiating with their Loss Mitigation Department XXXX determining the amount of XXXX XXXX XXXX funds needed to satisfy my mortgage arrears and late fees. I feel these additional charges and fees in the amount of {$3800.00} are bogus and inaccurate. After contacting my mortgage servicer and the XXXX XXXX customer service department, I was assured that I would not be responsible for any accrued late fees or charges while my application was in the active process status. Lakeview Loan Servicing , LLC has currently billed me each month for additional accrued late fees and other unknown charges, while the XXXX XXXX was actively processing my application. All arrears, unknown alleged charges, and fees have been satisfied through the XXXX XXXX XXXX. 

I spoke with XXXX from Lakeview Loan Servicing , LLC on or about XX/XX/2022, regarding my concerns with the inconsistent fee overages added to my mortgage. She indicated that there was a possibility that the fees could be corporate fees, which implied that I, as the homeowner was not made aware are of such a fee. She informed me that she would fact check and research the matter and contact me back in a timely fashion. To date, I have not heard from her or anyone from the mortgage servicer. 

Summary XXXX XXXX Award Assistance : XXXX ). I initially applied and was approved for the Homeowners Assistance Funding Program on or about XX/XX/2022, to assist me with mortgage arrears where XXXX caused my financial hardship. I received an Award Summary amount of {$31000.00} from the XXXX XXXX program, which was the amount agreed upon to bring my mortgage arrears, late fees, and other charges current. 

XXXX ). I requested and received an additional 6 months of mortgage assistance from the XXXX XXXX program on or around XXXX of XXXX, because of my ongoing XXXX financial burdens and was approved for an Award amount of {$5300.00}. This funding was received by Lakeview Loan Servicing , LLC on XX/XX/2022, which should have satisfied any outstanding arrears, and current monthly mortgage payments. 

I am requesting that this matter regarding Lakeview Loan Servicing LLCs shady business practices, be thoroughly investigated by your office. I feel they have certainly taken advantage of the XXXX XXXX XXXX program, which has greatly aided me during these financially burdensome times.
Consumer complaint received 2023-01-01
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XXXX I filed a formal complaint with the CFPB. The complaint number was XXXX. On XXXX Bank of America submitted their formal response. In the last paragraph of their official response, they reference a letter that was dated XX/XX/2022, and was allegedly mailed to me at that time. I never received any such letter. 

On XX/XX/2022, I called XXXX XXXX, my relationship manager. I asked him to please retrieve a copy of the XX/XX/2022 letter, and send it to me. On XX/XX/2022, I sent XXXX a follow-up email, which also contained a copy of the Bank of America official response, with the highlighted statement referencing the XX/XX/2022 letter. On XX/XX/2022, XXXX replied to my email, acknowledging receipt, and stated that he would keep me updated on his progress. On XX/XX/2022, I received a call from XXXX XXXX. He introduced himself as my new relationship manager. In that conversation, I briefed him about my previous complaint, and the elusive letter. I asked for his assistance in obtaining a copy. Later that day, I received an email from XXXX, letting me know that he escalated my request. He also gave me the case number of XXXX. 

On XX/XX/2022, I sent an email to XXXX, asking for a status update. On XX/XX/2022, XXXX responded to my email, informing me that he sent a request for a copy of the letter, and that he would follow up with me by Friday. On Saturday, XX/XX/2022, XXXX sent me an email, stating that as of Thursday, he did not have an update. On Monday, XX/XX/2022, XXXX sent an email to me, stating the reason I never received the letter. THERE WAS NO LETTER! His explanation why, was unacceptable, given the specific reference to the letter, in the Bank of America official response to the CFPB complaint. XXXX also stated " he had a call into another area of the bank, to see if there was another platform that had not been reviewed. '' On XXXX, I sent an email to XXXX, as I never received any additional information. I let him know that it is very suspicious that a copy of this letter, dated XX/XX/2022, can not be provided to me. I also let him know that his last response was disappointing, and extremely disingenuous, given the very explicit response that was given to the CFPB. 

I am more than disappointed and confused, as to why Bank of America is treating me this way. I am a minority, small business owner, and this treatment reeks of discrimination. My reputation, which is critical in my industry, was harmed, as a result of a bank error, all which could be remediated by the letter I requested. 

I am restating my request, that a copy of the letter be emailed and sent to my business address, via traceable mail. Please find attached a copy of all of the email communications that I reference in my complaint. I have also attached a copy of the Bank of America response, to my complaint with the CFPB.
Consumer complaint received 2022-06-14
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2016 JPMCB CARD added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA JPMCB CARD has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2023-01-01
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. (IN)

I have tried several time to get my personal information updated so that it's accurate with no success. All I get is letters saying that they had a " suspicious request, '' even though I included my drivers license and proof of address ( same ones I've included on this complaint ). Please have them add, remove, or replace all information to match what's listed below : My current and only address is : XXXX XXXX XXXX Ct, XXXX, IN, XXXX ( Any other addresses are not deliverable to me by the U.S. post office. ) My ONLY and ACCURATE name is : XXXX XXXX XXXX ( Any other spelling of my name or alias MUST be deleted ) My only and correct date of birth is : XX/XX/1980 Please update/add my only employer to : XXXX XXXX XXXX XXXX My only phone number is : ( XXXX ) XXXX Please remove all the other addresses, names, aliases, birthdates, and employers ; except the ones listed above. Outdated information is not reportable as per the FCRA, since it is inaccurate. 

In addition, there has been a consumer statement added to my credit reports without my consent indicating a fraud alert. I would like that removed immediately.
Consumer complaint received 2023-01-01
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: SYNCHRONY FINANCIAL (LA)

I have reached out to the credit bureaus, XXXX, XXXX, XXXX asking them to please investigate and send me an update. Have not received a response. 


Inquiries : Name Requested On XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone Phone number not available Inquiry Type Individual XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual SYNCHRONY FINANCIAL XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXXXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCBCARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have filed multiple disputes with this agency. I have put them on notice multiple times that they are in violation of the privacy act. I need copies of the form SSA-89 with signature authorizing them to access the social security number and information. Not producing this form with authorized signature is aggrevated identity theft. The entity issued this tax identification number has only ONE NAME ( in proper form since your reporting for a living man individual and not a dead man or corporation ), ONE ADDRESS as listed on document attached. All other personal information is incorrect and needs to be removed at once. Your preventing the flow of commerce by incorrectly and causing harm by fraudulently reporting false information. There are multiple names and addresses attached to these fraudulent reports. This is causing much harm and injury to my person. I'm seeking remedy and removal of all items on report due to aggrevated identify theft and fraudulent reporting with no authorization to do so. Effective immediately
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2021-11-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (PA)

Last payment made on account was XX/XX/XXXX. After that the account had gone into collections. In XXXX of XXXX the account was closed and removed from my credit report. Now all of a sudden it has popped back in an " Active '' state again nearly 2 years after it was closed and removed, and what makes it even worse is they are stating i have past due payments as well which is affecting my credit. I have tried contacting them as they have been no help and keep transferring me back and forth between representatives.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

i checked my credit recently and This collection account list the following company as the creditor ( MIDLAND CREDITMANAGEMENT, INC. ). This company is NOT the creditor, I never contracted with them, and I sent certified letters to them to immediately correct my report and remove this fraudulent account. they are abusing my rights and i never received a letter from them and if they did ( i honestly do not recall receiving one or i would have for sure dispute it ) so my potential failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court ( 15 usc 1692g. ( a ) ( c ) as i just found out looking at my credit online. this is stressing me greatly! I sent Notice & Demand for validation of debt, Dispute letters, see attached This account is to be removed immediately! it is affecting harshly my credit worthiness i work so hard for. MIDLAND CREDIT MANAGEMENT , INC.- Last reported XXXX Reported balance {$1800.00} Thank you for your help getting me proper remedy.
Consumer complaint received 2022-06-14
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. (OR)

I have disputed with Transunion XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, in regards to several inaccuracies. To my surprise, they continually to refuse to correct, and or remove or correct, this last erroneous reporting account from my consumer report. With just a precursory glance, they can see that this account is reporting a payment history " After, '' said account is closed. Specifically Transunion is reporting this account was closed on XX/XX/XXXX, and yet they continue to report payment activities on XX/XX/XXXX, XX/XX/XXXX, as well as XX/XX/XXXX. Even with out reading it in the FCRA, Transunion, and any layman is aware that this is impossible, as a closed account should never show payment activities After it is already close. They refuse to correct or delete, they continually have said the information is *Verified. They also have refused to send me the information as to how they verified, and with whom, although I have requested such in Accordance with FCRA, Section 611 ( a ) ( 6 ) and ( 7 ).
Consumer complaint received 2021-11-19
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: Aargon Agency, Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.The XXXX Credit Bureau is reporting inaccurate information on AARGON AGENCY INC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-01-01
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: FIRST PORTFOLIO SERVICING INC (FL)

I had a card from XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I reported fraudulent charges on my card and submitted all the information to the company and requested the account be cancelled and the charges removed. which they agreed to do. 3 months later a bill for the same card comes with late charges and more fraud charges on it, and was reported over 30days late to the credit bureau damaging my score dropping about XXXX points causing declined applications at a critical time trying to get an equity loan on my house. The account should have been closed. Now to make it worse I just another bill on a replacement card number they issued, that I did not request and they transferred the fraud charges to the new card number which was never received or activated by me. And they are getting ready to slap another late charge on my credit. I waited on hold over 2 hours in XX/XX/2022 to speak with a supervisor that assured me everything was taken care of. I sent another Fax today XXXX XXXX with the statement of the replacement card which I never requested or rec 'd showing a balance of {$110.00}. This is just FRAUD over and over again from this company. Possibly thinking people will just pay it to keep from damaging their credit because they do not send any notifications, or calls about late amounts due like other companies due. It is so hard to get ahold of this company and they don't do what they say they are going to do, or cancel cards with fraud charges, and issue cards in your name without authorization and apply charges that you did not charge ... I can't put a number on the pain and frustration they have caused me. Feel they should pay me a monetary amount for damages of at least {$10000.00} or be fined much more by CFBP for their actions. At the least cancel all cards, and trade lines with my name on them, and confirm this in writing. with a check
Consumer complaint received 2021-11-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

Currently on myequifax website I can can not submit any disputes. My credit report does not show up on the site but it gives me a credit score. attached is a dispute letter to the accounts that I will like to be addressed.
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I always make my Mortgage Payments using Bill Pay from My XXXX  XXXX XXXX to wells Fargo Mortgage, On XXXX they claimed they never received my payment an charged a late fee ... .. had to call them everyday with long hold and wait, customer service wasn't helpful at all .. i had to do all the work and get them XXXX XXXX XXXX on the phone and had them send all the paperwork to wells Fargo, yet wells Fargo never returned my calls with a resolution i had to call back again. Then they informed that they have to take the payment to my credit card, because it was applied there!!!! 
it's very confusing and hard to track. 
I pay my credit card in full all the time now i dont know about charging it to pay my mortgage that i already paid!!!!
Consumer complaint received 2021-11-09
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. (SC)

The first round of letters I wrote to all 3 credit bureaus XXXX, XXXX, and Equifax on XX/XX/2021. Demanding that the things being reported on my credit report needed to be removed. I never gave them written consent to furnish anything on my report pursuant to 15 USC 1681b ( 2 ). No consent is identity theft! They only thing that I got from XXXX and Equifax was a credit report with nothing removed. XXXX never responded during the 30 days provided after the certified mail receipt.