davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XX/XX/2023 a tree fell on our garage because of a bad storm. We filed a claim with our insurance company and they pay this out the full amount allowed from our {$50000.00} detached garage coverage. Because the amount was over {$40000.00} the mortgage company had to be included on the check so we had to endorse the check and mail it to the mortgage company. We received the check XX/XX/2023 for the amount of {$49000.00}. I requested money from the insurance funds the mortgage company kept from us and put in an escrow account and they said they will not release any funds unless it is to a licensed and insured contractor. As a home owner in California, I am considered an owner builder so for me to fix the broken trusses on the roof of the garage would not require me to have a contractor license. They denied me my request for any amount and because I couldn't get a contractor to come get the tree out of the attic of our garage and fix the few broken trusses, a snow storm came and the weight of the snow completely caved in the garage and demolished the entire structure in XXXX. I asked again for funds to get the rubble taken down because we have children and the walls were leaning and could fall on someone and again I was denied. I paid a guy to cut up the tree in our backyard and the tree in the garage rubble and I asked to be reimbursed for the {$200.00} XXXX paid the guy to cut up the tree in XXXX. They finally sent an " inspector '' who came and took pictures XX/XX/2023. I finally received a check for {$2000.00} XX/XX/2023 for reimbursement and they called the garage 25 % complete even though nothing has been done towards rebuilding or even demoing the garage. I finally found a contractor who demoed the garage and spent thousands of dollars on labor and dump runs. The back wall and one side wall are able to be saved and built off of, so the garage is now completely demoed except for the two existing walls. I requested another inspection and they said the inspection failed and more repairs are required before any funds can be sent. How am I supposed to pay for further repairs without the insurance money that was issued to rebuild the garage? I am in debt with the contractor who has weeks of work and money into the demolition and they still refuse to release any funds after excepting the contractors estimate and signed contract which states they will be building off the 2 existing walls. It has almost been a year and still haven't started rebuilding do to Lakeview Subserviced by XXXXXXXX XXXX lack of care. If the garage was considered 25 % complete they should have issued a lot more than {$2000.00} I read the first check should be 33 % of the total funds. Lakeview XXXX XXXXXXXX is being ridiculous and completely unethical. How are we supposed to rebuild the garage with no funds?
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service (KS)

We were contacted by a " Mediation Services '' threatening to sue for breach of contract on a debt I dont recognize that they claim I agreed to 8 years ago and have never heard about since. They threatened to extort legal fees and penalties if I did not agree to pay within 24 hours. When attempting to contact them about this unknown debt they refused to give any information on the debt collector, what the debt was for, and demanded a credit card number before they would send us an email or letter showing said things. We refused to provide the card number they threatened thousands of dollars in legal and court fees and threatened my wifes medical license for refusing to pay.
Consumer complaint received 2019-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I sold an item on XXXX and received payment via PayPal. The item was a {$100.00} XXXX XXXX Gift Card. I received payment ( after fees ) of {$94.00} via PayPal and was able to transfer that into my bank account. 

A couple of hours after I receive payment and transfer the money to my bank account, I deliver the gift card digitally via a message to the buyer on XXXX. A couple of hours after that, the buyer opens a dispute on PayPal stating that the transaction was unauthorized. 

I am given a chance by PayPal to provide information about the purchase. I give them documentation showing the delivery of the gift card and that the gift card was redeemed. PayPal closes the dispute in favor of the buyer, and refunds them their purchase. Now they want to collect {$98.00} from me without the buyer returning the merchandise that was delivered. Not only is {$98.00} more than I received from the claim, but they are not even requiring the buyer to return the merchandise.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have several listed accounts that appear as late when indeed they are not. I reconfirmed this with an official Experian credit report and they verified as late going from current to 60 days late within a 30 day window in the account XXXX and current to 90 days late on DEPT OF ED/XXXX  I've contacted EXPERIAN several times with a 2 year time frame with this complaint of these incorrect accounts statuses and have seen no adjustments. According to law 15 U.S. Code1691i- Procedure in a case of disputed accuracy. If the completeness or accuracy of any item ( s ) of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item ( s ) from the file in accordance to paragraph ( 5 ) The accounts in question : XXXX # XXXX {$2200.00} XXXX # XXXX {$540.00} XXXX XXXXXXXX {$1300.00} DEPT OF ED/XXXX  # XXXX {$2000.00} DEPT OF ED/XXXX # XXXX {$1800.00} DEPT OF ED/XXXX  # XXXX {$4600.00} DEPT OF ED/XXXX  # XXXX {$3400.00} DEPT OF ED/XXXX  # XXXX {$9600.00} DEPT OF ED/XXXX # XXXX {$6800.00} DEPT OF ED/XXXX  # XXXX {$3700.00} DEPT OF ED/XXXX  # XXXX {$3500.00} THESE ACCOUNTS ARE INACCURATE GOING FROM CURRENT TO 60 DAYS LATE IN ( 1 ) MONTH IM WHICH IS IMPOSSIBLE AND ITS Breaking The LAW UNDER FCRA.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NY)

My complaint to the CFPB lays bare Barclays ' disregard for accuracy and fairness in reporting to the credit bureaus. Despite my relentless pursuit fix this issue, Barclays has callously neglected to investigate this matter with due diligence.Let me state the facts. XX/XX/XXXX, I made a payment using a money ordera payment method known for its reliability and certainty. Yet, Barclays shamelessly persists in falsely claiming default on the payment plan despite them admitting themselves a payment was made on XX/XX/XXXX. This flagrant injustice is not merely an isolated incident but a damning indication of Barclays ' systemic failure in reporting practices. Barclays states in a letter mailed ( I have confirmed that your XXXX XXXX account is reporting accurately as charged off, with a balance of {$1200.00}, and in dispute by the consumer. We have verified that the tradeline is reporting as in dispute with the consumer reporting agencies since XX/XX/XXXX. 
The integrity of the credit reporting system relies upon the accuracy of information provided ; submitting the update you requested would create an inaccurate representation of your account. 
As such, we are unable to honor your request to remove the associated delinquencies or tradeline from your credit report ) yet they continue to furnish inaccurate information to the credit bureaus. It's unconscionable that even three years later, on XX/XX/XXXX, my credit reports still reflect Barclays ' mistake. This settlement was completed in XX/XX/XXXX, yet Barclays persists in its dishonesty despite confronted with clear irrefutable facts Money orders do not bounce! Barclays inexplicably continues to perpetuate this falsehood. It's time for Barclays to acknowledge their wrongdoing and take immediate action to rectify this injustice.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We always pay off our full balance every month to avoid incurring interest charges. 

We were offered a 0.00 % interest rate for XXXX year on a balance transfer, which I accepted by phone. 

During the call, the agent played XXXX disclosures for me to accept. XXXX of these disclosures stated that payments made would first be applied to whichever transactions carried the highest interest ( which, in our case, would be purchases ) and any remaining amount of the payment would then be applied to lower interest transactions ( in our case, the 0.00 % balance transfer ). 

Last month 's statement was the first statement showing the balance transfer of {$10000.00} plus the transfer fee of {$310.00}, along with purchases in the amount of {$9500.00}. In order to avoid paying interest, we made a payment before the due date of XXXX which would cover all the purchases, with an additional {$1000.00} to go towards the balance transfer and transfer fee. 

This month, we were charged {$100.00} interest on those purchases. 

When I called to inquire about this, and have the interest charge reversed, I was told that if we make any purchases while we have a transferred balance, we would accrue interest immediately on those purchases. I have never heard of any credit card doing this, and it was not clear to me in the disclosures that this would be the case. 

I remember at the time of accepting the offer that this disclosure was confusing, so I asked the agent on the phone to help clarify it for me. It seemed she was not willing to go off-script, and she merely replayed the disclosure instead of directly answering my questions. 

Not imagining that the terms of the credit card agreement would be changed to start charging interest on purchases that are paid off before the due date, simply by accepting a balance-transfer offer, I assumed that the portion of the disclosure which mentioned payments being applied to the highest-interest transaction first meant that we would not be paying interest on purchases that are paid off before the due date. 

I feel that this was all very deceptive and deliberately vague and confusing.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I pay my bills Electronically from XXXX bank. My statement was due on the XXXX of XXXX and my bank sent the payment on the XXXX of XXXX. The XXXX was on a Sunday so Synchrony did not post the payment until the XXXX, therefore telling me it was late. They charged me {$29.00} for late fee and {$24.00} interest. They did waive the {$29.00} but said " WE don't waive interest charges. I have never been late nor missed a payment. I feel if they charged me they are also charging hundreds maybe thousands of other customers. If they can't process payments on the due date why is it a customers problem? They were very discourteous to me. I felt like they thought they had the upper hand and I should just XXXX it up. It's not that much money for me individually but in the grand scheme of things if they keep doing this it could be a huge amount of money for them. 

Thank you for your attention to this issue
Consumer complaint received 2023-11-14
Product: Credit reporting 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. (NY)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX-Inquiry I can not have this information in my report, it is negative information, I do not want it under my name anymore.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

An XXXX XXXX Account " XXXX '' in has been wrongfully added to my credit report affecting my credit score on both XXXX and Experian credit reports. I am not the owner of this account, and this was added in my name illegally and is entirely inaccurate. This is defaming my name and impacting my right to credit as well as voilating the consumer protections act and fair XXXX credit reporting act since this is fraudulent reporting. The only way for this wrong to be corrected is for this entire account and all of its history to be removed from my credit profile immediately. I have never been personally liable for any XXXX XXXX credit card in my life. Please report this, rectify it completely, and stop this fraud from taking place.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Since XXXX I have been asking Experian to correct the information it issues in my credit report, I called their telephone center and they told me that they can not help me that way and that I must send a letter attaching the information of my documents, I sent them the letter With everything they indicated that I had to attach, I am already on my fifth letter and I have not received a response from them at any time and they still continue to report information that is not mine, I only have XXXX  NUMBER XXXX, I do not know where they have taken other information from but in my report the following number appears as XXXX XXXX, additionally I requested to investigate the accounts they report because they are incomplete and incongruent. But to date there is no response or changes in my report
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-25
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. (TX)

Account info XXXX  XXXX XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage I spoke with the VP of Operations with XXXX XXXXf XXXX XXXX  XXXX XXXX She informed me that the Late Payment would cease to be reported as I was in the hospital. XXXX XXXX told me payment history was updated with NO LATE PAYMENTS. 

XXXX This is not my account Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Mortgage Late Payments 13 Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Phone # : XXXX This account is not my account. 

XXXX XXXX : NOT MY ACCOUNT : XXXX XXXX {$800.00} XX/XX/XXXX TransUnion XXXX XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Account No. 
XXXX Balance details 0 % paid off Balance {$800.00} Balance updated XXXX XXXX, XXXX Original balance {$800.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$800.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX Original Creditor XXXX XXXX IN XXXX IN. 
Responsibility Individual Individual Condition Derogatory Derogatory Original Balance {$800.00} {$800.00} Balance {$800.00} {$800.00} Date Opened XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Remarks Placed for collection I contacted XXXX XXXX and they told me that this account would be deleted. It is not my account. This is for insurance on a XXXX XXXX. I have never owned a XXXX XXXX.
Consumer complaint received 2017-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Bridgecrest Acceptance Corporation (PA)

XXXX/XXXX/XXXX payment sent in the amount of {$5600.00} to bridgecrest XXXX/XXXX/XXXX payment was reversed in the amount of {$5500.00} from bridgcrest XXXX/XXXX/XXXX payment sent in the amount of {$310.00} to bridgecrest XXXX/XXXX/XXXX payment reversed in the amount of {$290.00} i spoke with a CSR i was told they were unable to locate the account, i asked for an audit of transaction history for factual proof that my account was unable to be located because red flags were risen when the actual payment amount was not showing back on my account with bridgecrest if account was unable to be located, bridgecrest sent me an email with a legal document showing account history of the payments per my request after several attempts of me trying to get them to do so that did not adhere to the proper payment amount that was submitted by me.I told bridgecrest that i was aware of this being a situation that needed to be investigated at this point, i asked bridgecrest to tell me what the payment amount was for the dates XXXX/XXXX/XXXX made out by me and they CSR stated she sees in the system a payment of $ XXXX well as a reversal on XXXX/XXXX/XXXX in the amount of XXXX but in the legal document and on my account from bridgecrest it states the dollar amount of {$5500.00} just as the same for the payment on the XXXX for the amount of {$310.00} so at this point i told them i had no choice but to file a complaint because they are telling me that it just that no acount was found but if that was in fact true the audit of tranasaction history would reflect the actual dollar amount submitted for payment not another dollar amount.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I am current on my mortgage with Nationstar. On XXXX XXXX I received the attached llletterletter from Nationstar claiming I was " more than 30 days late ''. I called the XXXX -- XXXX number on the letter and was told I had missed my XXXX 2015 and XX/XX/2015 mortgage payments. Since them I have sent them cancelled checks, proofthat Nationstar both received these payments and cash the checks. Finally I wasable to reach someone by telephone who told me that in fact my payments were cucurrent through XXXX XXXX 2015 but despite repeated requests they have not sent mea statement of my account showing all payments are current.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX - ending in XXXX XXXXXXXX XXXX - ending in XXXX XXXX XXXX - ending in XXXX XXXX XXXXXXXX XXXX XXXX  ending in XXXX XXXX ending in XXXX XXXX XXXX ending in 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (CA)

I've had my Discover It card for quite some time now ; I was given a Credit Limit of {$1000.00}, I've never been late and didn't have it fully maxed out but they lowered my limit from {$1000.00} down to {$800.00} for no reason.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

i HAVE ASKED eXPERIAN ON XX/XX/XXXX THAT I have reviewed my consumer report. I am in disbelief that I have been a victim of Identity theft. i have found numerous accounts that were not opened by me. this is hurting me and harming me. I am getting ready to purchase a house for my family. this is hurting us. please remove the fraudulent accounts from my consumer report as soon as possible.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (UT)

Hello! I received two messages recently about accounts being opened in my name. THe first was from US Bank on XX/XX/XXXX. I received an automated text message. When calling the help number I could not get through. I emailed them immediately and reported it as fraud. The second was a phone call from XXXX XXXX XXXX XXXX XXXX today, XX/XX/XXXX. I let the person know calling that I did not open an account. She directed me to freeze my credit.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

ADDRESS TO BE REMOVED : XXXX XXXX XXXX XXXX, FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FLORIDA XXXX ACCOUNTS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX