davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
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. (CA)

We have several email correspondence about this matter. we have several calls as well regarding the call 's, text, and request to pick up the car and they've yet to pick up the car, provide the title for the car, give any information regarding the next step of the process and this is driving me crazy. I am XXXX  in the military and as I serve my country this is the last thing I need is to be dealing with this mess. We have done all we can to get this matter handled and they are penalizing me credit-wise, refuse after several made appointments to pick up the vehicle and I can't keep trying to handle this matter on my own.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (AR)

I have an account that was closed on XX/XX/XXXX approximately to a XXXX balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. 

I have called Military Star Card ( AAFES ) and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. 

I have disputed this problem with XXXX  time and time again. XXXX  is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.
Consumer complaint received 2020-03-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

I received a response I was not eligible for the Dodd Frank Certification ( Frank Dodd ). Equity I'm uploading the letters that show  proof I was eligible. 
Representative XXXX XXXX - Contact # XXXX I still have not received the credit. WellsFargo is not reviewing the information, if they did, I would not have to state the issue is still unresolved. 

I would suggest that they look at my file & what was being offered to customers during the time period.
Consumer complaint received 2020-05-05
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. (AR)

I have an account that was closed on XX/XX/XXXX approximately to a XXXX balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. 

I have called XXXX XXXX XXXX ( XXXX XXXX and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. 

I have disputed this problem with XXXX time and time again. TransUnion is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.
Consumer complaint received 2020-03-07
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. (CA)

I am not very knowledgable on how credit agencies work. I am guaranteed a right to dispute inaccuracy and incorrect items. I did not know each disputenis a.hard inquiry. Why did the agencies not make this a important and visible detail? My equifax score took a 63 point dive today. I believe some of this is due to the disputes.I am trying to negotiate. I will start by asking my address history correctly reflect an 11 year occupancy at my current address. The remainder of addresses listed in my credit report are.inaccurate and I have not rented most of those locations, or recieved mail at those addresses. Additionally, the report discredits my 11 year positive rental history by listing random locations during my current tenancy, which begins XX/XX/2009. Prior to that, my address.on XXXX XXXX is not mentioned at all. Rental history is supposed to " fall off '' after 7 years, then what is this mess?
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

I made a purchase on XX/XX/2018 zero percent interest and supposedly in the fine print, it said if it wasn't paid for within the year then we would get hit with a $ 900+ finance charge. Right now during the world pandemic is when they hit us with that $ 900+ charge. It came from left field because I wasn't aware it was out of the zero percent finance window. Never got an alert, an email, a notice. Just a bill with the extra $ 900+ and when I called they don't care nor want to help. I am a small business owner and this pandemic already took a hit on us and to top things off they want to XXXX us with a finance charge and no show no mercy.
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, my check account had a cash withdrawal of amount {$350.00} at California XXXX XXXX Bank of America Branch. However, my wife and I, who are the only authorized user of this account, are travelling outside California the entire week. There is no way we could make this cash withdrawal. 

Bank of America said they have investigated this issue, but denied my claim. They said signature is consistent and they have account owner 's identification. This is not possible since my wife and I are both not in California during that week.
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

I would like to thank XXXX XXXX for her XXXX  response to my complaint. I guess that taking 19 months to resolve a matter is fine with Bayview however were is the offer of monetary damages that they have caused me health problems and other stress. I guess after filing a complaint on Consumer Affairs and getting opinions from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX I guess rather than addressing that problem they want to go to court and lose millions which they will do.
Consumer complaint received 2020-05-05
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

I enrolled in the FedLoan loan forgiveness program around XXXX. I have worked in universities since before enrolling in the program. I was recently told that only 40 of my payments count towards the forgiveness program. I was told that no payments from XXXX to now count because they put me on deferment. I did not request a deferment and made all monthly payments as they were due. When I asked why, I was told that my account would be reviewed but that it could take a year or more and if discrepancies are found, the review could be put on hold for as long as they deem necessary while it is corrected. At this point, I should have 100-120 qualifying payments, not 40. Waiting a year or more for a review is unreasonable.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I am missing a credit card from XXXX  XXXX on my equifax report which is my longest standing card and is negatively affecting my credit score. It shows on my XXXX. 
I also have a issue with XXXX  not reporting for me AT ALL. I have no score which is affecting me trying to buy a house.
Consumer complaint received 2020-03-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Received " Annual Escrow Account Disclosure Statement '' from Lakeview Loan Servicing. Over paid account by {$4000.00}. Lakeview refunded this amount by check ( # XXXX dated XX/XX/20 ). Lakeview then stopped payment on check but did not notify me by phone, email or in writing. They have current information for each of these methods. I called Lakeview to complain and learned that they stopped payment, reapplied the funds, and paid {$430.00} of my tax escrow account to a company called XXXX XXXX. I have no affiliation with this company, did not authorize this payment and the amount taken from my tax escrow does not match any bill or invoice ( including any supplemental assessments ) from the tax assessor. 

Repeated attempts to reach the Lakeview escrow account people always routes you to a customer service employee who is not able to assist ... but rather reads from the on line screen that I can see at their website. Spent 2 hours speaking to various " agents '' including XXXX ( employee XXXX in XXXX  XXXX ) and someone only identified as " XXXX '' ( he would not give me his name or employee number ). I was twice put on hold to speak with a supervisor ... no supervisor answered after 2-30 minute attempts. 

I called back and asked to speak with someone in the escrow department. Lakeview, like their sister company XXXX, has a policy of not letting you speak to anyone except the " note takers '' that every " phone tree '' leads you to. Even when the note takers admit they can't help you, they refuse to provide you contact information to reach any person that can assist you with your matter. 

Lakeview blocks their number, so when they call, it appears as spam or nuisance calls. All messages they leave only refer you back to the numbers that only go to the " note takers '' ... who we know can't help you. 

This scam to illegally hold funds is conversion. Their practice of debiting accounts to pay unauthorized venders is fraud. Please take steps to revoke any licenses this company operates under and fine them into bankruptcy. 

In the mean time, please research my escrow account and advise. Next step is to sue this disreputable company.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$770.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2020-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-05-05
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. (MI)

There are three inquires on my credit report from XXXX XXXX XXXX that I never made or authorized. I am not sure why there is one of them, let alone three of them from the same company.
Consumer complaint received 2020-05-05
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$0.00} XXXX XXXX {$700.00} XXXX XXXX  XXXX {$1800.00}
Consumer complaint received 2020-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NV)

MIDLAND FUNDING ( XXXX XXXX XXXX  XXXX  ). is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I ordered a XXXX XXXX XXXX XXXX XXXX Calculator from a website that looked very legit but from whom I have never ordered before. XXXX When I checked online with Paypal to make sure payment went through I was surprised to find the seller 's email address looked very suspicious yet there was a XXXX tracking number that said my package was on its way. Needless to say, I never got it. I filed a dispute with Paypal and just learned that it was in favor of the seller! Today, I followed up with XXXX thinking it might have been a delivery issue and I found out that the package ( associated with the tracking number on PayPal ) was from XXXX, was delivered to a different customer at a different address, and weighed 33.5 lbs! ... a calculator does not weigh that much. The tracking number PayPal had was from a package that had NOTHING to do with me! Now I'm left wondering how does PayPal resolve their disputes. I called them and there is no customer service because of the pandemic, however, I did read on their site that they don't reopen closed disputes. Do they not follow up with the seller and delivery provider?! HAD they actually done their job they would have learned the same things I did. I have have been with PayPal for years, now I'm, wondering, why bother? Can you help? Here is the necessary information on that case : Dispute Case ID : XXXX Transaction Amount : {$67.00} USD Dispute Amount : {$67.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 Thank you!
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2020-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Georgia Regional Collection Agency, Inc. (GA)

I received a solicitation in regards to a suit filed against me and they could help me. I contacted the original debtor and said turned over to collection agency to contact them ( never received any bill. Thought insurance paid ). I contacted the collection agency, spoke with XXXX, she mailed me a bill statement. Said it had been turned over to magistrate court, I have not been served. I paid {$100.00} on their online pay portal on friday, XX/XX/2020. XXXX called me confirming my payment n stated I need to come in the office to go ahead and sign a consent judgment. I told her I work out of town and was unable to do so. I decided today to pay the debt in full ( including the court cost even though I STILL HAVE NOT BEEN SERVED ). I paid, got a confirmation number via their pay portal. I receive another call ( on my job ) stating I have to come into office to sign a consent. They start allowing ppl in the office on Thursday of this week. I proceed to tell her I paid in full to keep from doing that because of my working an hour out of town and she kept on and on and finally told me she would not accept my paid in full payment without the signing of the consent. What would I be consenting to pay if I paid in full? That makes no sense to me. I have where I paid in full on the portal with the confirmation number. If she couldnt accept payment in full today without my signing the consent, why did she accept the {$100.00} payment I paid on Friday?
Consumer complaint received 2020-02-12
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. (GA)

XXXX  and Transunion have incorrect information reporting on my credit reports. By law, I have the right to sue and I will do so if this information hasn't been blocked or removed from my credit report asap. I have provided copies of my drivers license and my mortgage statement showing my address. They say that the companies have verified this information. How? By what means? What was provided? I have the right to know and see that information. This information can not be proven because it doesn't belong to me. I have never lived at another address. I only have one mortgage with my name on it. I don't live anywhere else and I haven't lived anywhere else. XXXX XXXX, XXXX XXXX, nor XXXX XXXX XXXX XXXX does not belong to me. I have already consulted with an attorney. If this information isn't removed from my credit report asap that is a refusal on behalf of XXXX  and Transunion to remove these items. I have already sent this certified mail as well. I will sue for the maximum that the law allows if this information isn't deleted or blocked from my credit report asap. No information matches. Also, all address that are not on my mortgage statement and drivers license need to be removed asap. The ONLY valid address is XXXX XXXX XXXX XXXX, GA XXXX. 

Lastly, this is not a credit repair agency sending this. This is me ... .XXXX XXXX XXXX XXXX sending this from my computer. You have 2 weeks to remove these items before I file suit.
Consumer complaint received 2020-05-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

In XX/XX/2020 the mortgage company sold to a new company. I received a letter at the end of XXXX from the new company stating that payments for XXXX could not be recieved by them until XX/XX/XXXX and after. I made the payment on the phone on XX/XX/XXXX and it is credited on my account when I view my statement on the website. At the end of XXXX, I received the payment coupon for the XXXX payment. It stated I needed to pay {$450.00}. XXXX. I called the company after looking on line and seeing a totally different amount to pay. I did not receive a return call. I emailed the company on XX/XX/XXXX and received a letter in the mail on XX/XX/XXXX stating that the mortgage company received my inquiry and would get back to me. They have not and it is XX/XX/XXXX! I sent in the coupon they gave me with a check for XXXX which was cleared by my bank on XX/XX/XXXX. The check was sent before the due date. This amount is not shown as credited on my account as of today, XX/XX/XXXX. In fact I received the statement for the XXXX payment stating that i had made no payment in XXXX and now owe {$1200.00}. XXXX ( i assume their is also a late fee in there ). I emailed the company on XX/XX/XXXX. I emailed the company on XX/XX/XXXX and I called the company on XX/XX/XXXX with no answer and no replies back to me in any way about what the issue is with my statements and the website since XXXX.
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have applied for a Hardship Loan Modification to reduce my Loan Rate from 7 % to 3-4 %. 

Select Portfolio Servicing and XXXX XXXX are intentionally violating the Law by NOT reducing the Loan Rate from 7 % to 3-4 %.