davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I am an XXXX XXXX XXXX vet who used the VA loan for a current home. I have been in our home for just over two years. Our mortgage is with : Lakeview Loan Servicing , LLC ATTN : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX I was recently awarded a XXXX XXXX XXXX XXXXXXXX rating as of XXXX XXXX. I called Lakeview to inquire about the process for providing documentation to remove the property taxes portion from my monthly loan payment. After spending a while on the phone the customer service agent told me I could either fax the documents to XXXX, which I did on XXXX at XXXX or submit them online. I was told the request would take 3-5 business days to complete. I called on XXXX and was told they never received anything. I was told that I should instead upload the documents through the website vs fax. The reason I faxed it on XXXX is because the process they were giving me didn't work online. When I called on XXXX, I asked them to walk me through the process. I was transferred multiple times and had to call back because the department they sent me to wasn't receiving calls. 

I explained my frustration because ultimately I'm paying escrow that I am not legally required to because of the XXXX XXXX XXXXXXXX rating ( Texas ). I was then transferred again to web support and when they walked me through the process, but it wouldn't allow me to submit it. He told me, yeah it's not working and I already let them know. 

I told the previous customer service agent that the process to remove property taxes from escrow is complicated and really not designed to actually assist the customer. With a VA loan, mortgage companies should have a simple process to address these types of changes especially since many veterans ' XXXX amounts change so often. 

I explained I will be mailing the next payment and omitting the property tax in the amount of {$790.00} until they finally process everything and was told that's fine. " That's fine '', as in if you don't send us the total amount, we'll penalize you for it. 

Essentially, this is how Lakeview chooses to treat Veterans. My taxing authority ( XXXX XXXX, TX XXXX XXXX XXXX ) told me that most mortgage companies simply call them to verify the " XXXX '' taxes. I understand each company has the freedom to decide how they process these types of requests, however, if regulations exist to make it easier on XXXX veterans, Lakeview needs to be held accountable to ensure they aren't making this process so arduous.
Consumer complaint received 2023-03-15
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. (IL)

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 1687 Account name : XXXX XXXXXXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 agency can not furnish an account without my written instructions reporting 15 U.S.C 1681
c. ( a ) ( 5 ) Section States : no consumer reporting agency ay make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 7 convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relc 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 2023-04-01
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Consider as a follow-up complaint
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (PA)

I am writing to dispute the presence of several hard inquiries on my credit report that were not authorized by me. I am requesting that XXXX and XXXX immediately delete these unauthorized hard inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The unauthorized hard inquiries in question are negatively impacting my good name, character, and my ability to qualify for new credit. As a consumer, I have the right to control who has access to my personal information, and I did not authorize any third parties to access my credit report. 

Furthermore, I have reason to believe that the furnishers of these unauthorized hard inquiries are unreliable sources of information. I have not had any business dealings with these companies, nor have I authorized them to access my credit report. Therefore, I can not verify the accuracy or legitimacy of their claims. 

I have attached a copy of my credit report highlighting the unauthorized hard inquiries. I request that XXXX and XXXX investigate these unauthorized hard inquiries and remove them from my credit report as soon as possible. Please provide me with written confirmation of the deletion of these inquiries within 30 days. 

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 2023-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WA)

Resurgent Capital Services continues to report a debt that is harming my credit. Resurgent Capital Services refuses to prove that they own the alleged debt. Resurgent Capital Services has only sent a Bill of Sale which is incomplete and do not list any information that proves they own or purchased the alleged account. The Exhibit A they submitted to me from previous complaints is incomplete and does not list the alleged account they are attempting to collect on. This is false and misleading and a violation of Washington State Debt collection laws and Federal debt collection laws. I demand Resurgent Capital Services prove what authority they have to report this alleged account and prove consent to obtain and use my personal identifiable information to extort me out of money. 
I demand the FORWARD FLOW AGREEMENT/PURCHASE AGREEMENT a document that generally sets out the terms of the sale of the alleged debt. NOT AN INCOMPLETE BILL OF SALE. 
This documentation is needed to prove that the alleged debt/account was purchased, how much, and under what terms and conditions. I HAVE THE RIGHT TO KNOW HOW MUCH THIS ALLEGED DEBT WAS PURCHASED FOR AND WHAT PERSONAL IDENTIFIABLE INFORMATION WAS STOLEN WITHOUT MY CONSENT. 

I never consented to Resurgent Capital Services having any of my personal identifiable information. NO CONSENT IS IDENTITY THEFT AND FRAUD. This is also an invasion of my privacy. Resurgent Capital Services ' refusal to prove this alleged debt is owned by them is intentional and willful noncompliance with the law and they are willfully harming me. I will now resume seeking remedy through Federal Court for Resurgent Capital Services ' noncompliance with the law and I will use my multiple complaints and any information deemed necessary to prove Resurgent Capital Services ' willful noncompliance. 

I do not have an account with Resurgent Capital Services nor have they ever extended me credit. Resurgent Capital Services has also violated the Fair Credit Reporting Act by illegally accessing my XXXX consumer report.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

XXXX They holded my bank account when I try withdraw cash. I call them, and that said I will recived call for next 24 hours, and it was not happening. Then I call them again, they said I will receive call by this week, and again I don't recived anything. 
Now is XXXX and I don't received any calls. I make all cash out from XXXX for this account. I pay loan for my car by this account, and now I don't have access to my money and can't pay loan
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BOEING EMPLOYEES CREDIT UNION (NC)

BECU is unfairly and falsely reporting the same debt/closed account twice. this was just recently disputed and removed by XXXX. Now, BECU has unlawfully reported this again as a new account- for a second time- They changed the account number on a closed account with a balance, I did not open a new acct. an account number change should not take XXXX pts off of my credit again. 

While on my XXXX report this is not currently a problem, on my XXXX report I just had the duplicate removed this past week!!! For the same account, same open date everything. Instead of changing the account reported its being added as a double debt, or new account neither of which is the case. BECU is now FALSELY reporting this duplicate closed account again, and has again been added to my report with severe negative effects on my score and affected my quality of life due to my new low score. This needs to stop- this is a violation of fair debt collection and or fair credit act.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-04-01
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-01
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)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-01
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. (CA)

My XXXX card information was stolen back of XXXX of XXXX and is still effecting my XXXX account til this day ( XX/XX/XXXX ) someone is pretending to be me and calling XXXX. They call XXXX using my information to verify and then they tell XXXX the cards are either lost or stolen and have them replace the card but make up stories that theyre on vacation and need the card shipped to them and not my address on file. 
I have accounts in balances well over the credit limit that XXXX is trying to hold me responsible for. I have shown them proof many times those charges were not mine and they still deny my claim. My spending there are charges in New York and Los Angeles and charges from $ XXXX {$2700.00} which is insane. 
All the cards have been stolen and copied many times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is an immediate request to investigate the updated data that is inaccurate, incorrect, and false information being reported on my credit report. I am presenting new evidence and statutes of violations to please investigate my concerns. There is a misrepresentation of updated information being reported on my credit report that I owe a debt for collections of {$1800.00} to XXXX XXXX  as my Creditor for a debt owed to XXXX XXXX XXXX  and sometimes identified by XXXX XXXX  as XXXX XXXX XXXX XXXX XXXX XXXX that is inaccurate, incorrect, and false that must be removed. There are strict violations of 15 U.S.C. 1681g in the updated information on my credit report. XXXX, I fully dispute the Collections account with XXXX XXXX as the creditor that appears on my credit report, in the amount of {$1800.00} witXXXX XXXX XXXX XXXX XXXX XXXX XXXX as the original creditor and or also identifying XXXX XXXX XXXX XXXX as the original creditor. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported by XXXX XXXX on my consumer credit report and requesting that you immediately delete this Collections account from my credit report immediately. XXXX ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for Collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for Collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. XXXX ) I never had any creditor relationship with XXXX XXXX XXXX  XXXX and this information being reported is incorrect, false, and inaccurate that must be removed. This is an immediate demand that all inaccuracies being reported by XXXX XXXX as a Collections account on my consumer credit report must be deleted. 

XXXX deleted this XXXX XXXX incorrect, inaccurate, and false information from my credit report. XXXX please respond why this XXXX XXXX collection account in the amount of {$1800.00} was deleted from my credit report after the information was disputed.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: OPTUM BANK, INC. (ND)

I had an XXXX Account with Optum Bank for a number of years while I was working for my former employer. After obtaining new employment, I began being charged a {$2.00} monthly maintenance fee on my account. Since I established as XXXX Account through my new employer, I called Optum Bank and inquired whether I could transfer the remaining funds to an XXXX account with a different bank to avoid incurring the monthly maintenance fee going forward. I was told to complete a form and fax it to Optum Bank. At the time that I made this inquiry, my account only had a low balance. I was never informed that there would be a {$20.00} fee associated with making the transfer. The form I signed made no mention of the transfer fee or indicated my agreement to pay fees for the transfer. Therefore, I was caught off guard when I received notice that only {$100.00} was being transferred to my new XXXX account and that Optum Bank was retaining {$20.00} as a transfer fee. 

Customer service at Optum Bank profusely apologized and said no funds should have been transferred without my consenting to the {$20.00} transfer fee. Customer service told me that Optum Bank prohibits customer service, including supervisors, from refunding the {$20.00} transfer fee under any circumstances. She said that there is nothing that can be done at this point to get the {$20.00} transfer fee reversed. 

The {$20.00} transfer fee is unconscionable. Had I been advised about the fee, I would have opted to continue using the account until the funds were fully spent, even if it resulted in a monthly maintenance fee of {$2.00}. 

I would like a refund of the {$20.00}, so I can use it for medical expenses rather than for a payment of an arbitrary administrative fee that I never agreed to pay.
Consumer complaint received 2023-03-15
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: BMW Financial Services NA, LLC (GA)

I am writing this complaint to BMW FINANCIAL SERVICES. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-04-01
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: CITIBANK, N.A. (CA)

In XX/XX/2022, I lost my Citi Premier card when traveling abroad, and I attempted to get a replacement. I did so by setting the address on the card to a foreign address where I was traveling and requesting a card. 

Somehow, this set the address for all my cards to the foreign address. I was only able to catch this in XX/XX/2022, and so I reset the Citi Premier card address to my US address. Unfortunately, I did not notice that the rest of the cards still were at the foreign address, which was incorrect as I have a US address. 

This caused all the cards except the Citi Premier card to be closed in XX/XX/2022. I tried calling and starting a support case to reopen the cards, but was not able to. 

I know with Citi there is a 90 day timer from when an account is closed to use the points or lose them. With Citi, they are all pooled into one account and it is hard to tell how many and when they are expiring. The rewards page only said : you have XXXX points expiring. I tried to use up the points that said were expiring, but it would still just say : you have XXXX points expiring. I repeatedly tried to use the points, but the message would never go away. I called into Citi to ask how many points were expiring, and they could only tell me XXXX points were expiring. After attempting multiple times to use up all the expiring points and the message never going away, I stopped. 

I had XXXX points as of XX/XX/2022, and then afterwards I had XXXX points or so when they expired. I don't believe this is fair because I was never given an accurate number of how many points were expiring. Furthermore, closing the accounts was not fair given the foreign address was set accidentally just to get a new card. 

I've started a few support cases with no resolution. 

Customer support case ids : XXXX, XXXX
Consumer complaint received 2023-04-01
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)

My XXXX card information was stolen back of XXXX XXXX XXXX and is still effecting my XXXX account til this day ( XX/XX/XXXX ) someone is pretending to be me and calling XXXX. They call XXXX using my information to verify and then they tell XXXX the cards are either lost or stolen and have them replace the card but make up stories that theyre on vacation and need the card shipped to them and not my address on file. 
I have accounts in balances well over the credit limit that XXXX is trying to hold me responsible for. I have shown them proof many times those charges were not mine and they still deny my claim. My spending there are charges in New York and XXXX XXXX and charges from $ XXXX {$2700.00} which is insane. 
All the cards have been stolen and copied many times XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card.