davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NJ)

I filed paperwork for the Public Service Loan Forgiveness program because I have been working for a XXXX for over 10 years. In the paperwork, it states my loan would be transferred to a new servicer ( FedLoan Servicing ) which happened. Well, once they received my information they changed my loan program and repayment plan without my authorization which dramatically increased my payments. They are only to be servicing loan under my previous terms which I was paying on time with no problems. I called them regarding and I keep getting 2 stories. One stating they are sending it back to my other servicer and the other stating they ca n't do anything. Had I known this was going to happen, I never would 've changed servicers because I do n't qualify for the program because of how my old loan was set up which NO ONE told me even when I asked prior to filing the paperwork. Besides the unauthorized changes, I was mislead. Things need to revert back to how I was prior to submitting the paperwork. Apparently, FedLoan Servicing does n't have the same programs as my previous servicer, XXXX. If they ca n't service it the same then they never should 've accepted it. I have attached a copy of the paperwork that must be submitted by someone requesting public loan forgiveness for your referral which is the only paperwork I completed.
Consumer complaint received 2023-06-12
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: Westlake Services, LLC (CA)

I was contacted regarding a charged-off car loan by a Westlake Financial representative XXXX XX/XX/XXXX, and let them know that I never opened up this account, I never lived in Texas, and I am not responsible for this loan/debt. They would not work with me and did nothing to solve the problem, but this account is shown as charged off on my credit report, even though I had just heard about this account on the day they called ( XX/XX/2023 ). I want this off my report as it's impacting my report heavily and negatively.
Consumer complaint received 2018-12-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (FL)

I entered into this auto loan with Prestige Financial inXX/XX/XXXX. The amount that I financed was {$16000.00}. To date, I have paid Prestige Financial a total of {$28000.00}. On XX/XX/XXXX I spoke to an associate and asked for a payoff amount for this vehicle. She indicated that I would need to pay an additional {$5400.00} to satisfy this loan. 

I have already paid Prestige Financial a grand total of {$28000.00}. If I were to payoff this vehicle today with that payoff amount, I will have paid Prestige Financial {$16000.00} more than my original loan. More than double the amount of my original loan. HOW is that a reality? There is no reasonable explanation for paying Prestige Financial more than double my original loan. 

On XX/XX/XXXX I asked Prestige to address this issue that day. As far as I am concerned I have more than satisfied my obligation to Prestige. I have already paid you {$11000.00} MORE than my original loan. That HAS TO have satisfied any interest on the loan.

Prestige insists that I have not satisfied my loan according to my loan agreement and has yet to provide me with verbiage indicating how I still owe any more on this loan.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: GLOBAL CLIENT SOLUTIONS, LLC (MI)

I paid my {$5000.00} debt relief. They have 3 companies involved. At the same time I hired debt relief, I hired XXXX. I'M Finished months ago. 

Debt relief and now with Global Solutions, say I pay until 2025, insane, fraudulent. 
I've called them, they yelled and Argued with me. Companies are not supposed to do that! 

I have paid {$200.00} a month for almost 2 yrs. What are they doing with my money. I'm done
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home 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 (CO)

XXXX XXXX XXXX has apparently been hit by a ransomware cyber attack. My mortgage servicer ( Lakeview Loan Services ) has been offline since XX/XX/XXXX. Their websites are down and they do not pickup the phone, the website gives a XXXX and the phone says 'agents are unable to access your mortgage records at this time '. I filed a complaint with the XXXX  yesterday, and got a response from the company. I followed up in email but have not heard back and am deeply concerned about my responsibilities related to my mortgage. Lakeview has provided no estimation for resolution, and no instructions on what to do. Presumably they would have had a cyber-attack business continuity and communications plan in place, but there is no evidence they are prepared for this event. Please let me know what I need to do in order to be responsible for my mortgage when they are unable to process or receive payments. Below is the only message I have received. What should I do? Thank you. 

XXXX XXXX : XXXX Customer : <redacted> We regret to hear of your experience, as we have received your XXXX  complaint through the portal. We do apologize for any inconvenience you XXXX have experienced. As information, Lakeview Loan Servicing , LLC owns the master servicing rights to your loan. Lakeview utilizes various subservicers for the day-to-day servicing of our mortgage loans. 

XXXX XXXX XXXX, the parent of XXXX, the subservicer on behalf of Lakeview, recently experienced a security incident impacting their related systems. Immediate steps were taken to protect customer data by locking down access to account information. As a result, the mortgage servicing systems have been unavailable since the issue was identified on XX/XX/XXXX. Efforts are underway to restore system access as quickly as possible, while protecting customer data remains a priority. XXXX has been unable to process monthly payments, or payoff statements because of the situation ; however, phone lines are open to assist customers with concerns. Updates will be provided as systems become available. 


Thank you. We appreciate your partnership. 

Lakeview Loan Servicing XXXXssue Resolution Unit Should you need to contact us directly, our team email address is as follows : XXXX XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (LA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under on open consumer credit plan as late for any purpose
Consumer complaint received 2022-11-24
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (CO)

My student loan amount of approximately {$12000.00} was handed over to TrueAccord after falling slightly behind. TrueAccord immediately flooded me with phone calls, texts and emails trying to collect more than double the amount owed at {$28000.00}. I asked for reasoning and received no clear response. This seems unjustified and illegal since I had already made multiple payments totaling over {$1000.00} on the original loan.
Consumer complaint received 2018-05-18
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: Credit Plus Inc (NC)

I did not authorize XXXX to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX and XXXX  and XXXX  attachment is my police report for fraud
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home 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 (CT)

On TUE, XX/XX/, upon several attempts to speak directly with a *live* LAKEVIEW LOANCARE Customer Service Rep at their Toll-Free XXXX XXXX XXXX XXXX XXXXXXXX to verify that our XX/XX/2023 MORTGAGE Payment was *processed/posted*, we received the following *auto-recording* " XXXX XXXX ARE CURRENTLY DOWN, AND AS A RESULT, OUR AGENTS DO NOT HAVE ACCESS TO YOUR LOAN INFORMATION. " ; however, on XX/XX/2023, we were able to locate a separate Toll-Free # ( XXXX ) XXXX ( as of yesterday, now *OUT-OF-SERVICE* ) enclosed in our LAKEVIEW LOANCARE Statement envelope but it was for a Loan Specialist. We called that # ( XXXX ) XXXX on XX/XX/2023, spoke with Loan XXXX, XXXX XXXX ; he said that XXXX  is a *separate Department* from the LAKEVIEW Dept. , and they have limited access to Customers Accts., and that the XXXX Dept. is experiencing Technical Difficulties with both their Customer Service Line and Website, and they have been advised to encourage XXXX  Customers to please try again tomorrow ( XX/XX/2023 ) as they are working to quickly resolve the issues ; lastly, the last Online Payment processed/posted for our XXXX Acct was on XX/XX/2023, and that our XX/XX/2023 Online Payment did *not* process/post, as of yet. We were able to schedule another Online Payment on XX/XX/2023 prior to speaking with XXXX XXXX ; however, as of today ( XX/XX/2023 ) neither Online Payments have processed/posted ; and we have attempted to call XXXX Customer Service Toll-Free XXXX ( XXXX ) XXXX everyday except on XXXXXXXX XXXX XXXX XXXXXXXX HOLIDAYS, nor on SUNDAY. We received a XXXX XX/XX/2023 LAKEVIEW XXXX XXXX EMAIL re : *Your One-Time Payment Draft In The Amount Of {$1900.00} Was Scheduled On XXXX ; but nothing since then ; we received the same NOREPLY EMAIL on XX/XX/XXXX
Consumer complaint received 2023-11-28
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: Fidelity National Information Services, Inc. (FNIS) (PA)

I received my ChexSystems report and noticed a inquiry from XXXX XXXX on XX/XX/2023 located in XXXX. I have not conducted any sort of business with this financial institute
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/ I used my Capital one debit card to pre-pay for an emergency roadside service call to a company called 24/7 Roadside service. After hours sitting in a dangerous spot on a Texas highway I called them back and they said their service man was out of town. They said theyd refund my XXXX. Dollars within. 10 days. I then called another company who came immediately and paid them under XXXX dollars to change my tire and get me back on the road. 
10 days passed and no refund so I called capital one and disputed the charge. I also called 24/7 roadside and demanded my refund I was promised. I got put on hold and ignored. I did some research and it appeared to me that 24/7 does this to people a lot. 
Capital one put the money back in my account and I thought it was over. 
Fast forward to XX/XX/XXXX. 
I received a XXXX dollar refund from XXXX. But for some reason Capital one held it for days. I kept asking why but nobody would tell me. 
Then I woke up the morning of XX/XX/XXXX to a negative XXXX dollar balance. It said they had reversed the provisional credit for the service I never received. They never asked me anything, warned me of any issue, nothing. They then released my XXXX refund, which was eaten up by the negative balance. Nobody will talk to me about it, or allow me to dispute it further, or anything. I paid over XXXX dollars for a service I absolutely did not receive. I thought thats why we use banks and cards, so our money is safe. Capital one will not tell me why this took so long, how they made their decision, or anything. They just helped someone steal a lot of money from me.
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello please help, this company have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. According to the FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!
Consumer complaint received 2023-11-28
Product: Credit 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: Chime Financial Inc (FL)

My flight XXXX hours away from the state I reside was canceled. I didnt find out until the morning of ( the flight was supposed to depart at XXXX ). The airline sent no notice of cancellation to me so I had no time to cancel arrangements in advance. Therefore, I was unable to make my hotel stay that I booked through XXXX. I contacted the hotel and XXXX so I could get a refund or at least stay at a later date. They said that neither were options so I contacted my credit card company to dispute for services not rendered. I didnt even make it to the state the hotel was located in to stay due to the flight cancellation. Now XXXX is calling asking me to cancel the disputes in exchange for {$15.00} worth of credit with them. XXXX is now sending untrue emails when I know the calls are recorded so why lie? I paid almost {$400.00} in total for the hotel stays! I did a spilt stay so one is for XXXX XXXX and one for XXXX XXXX.
Consumer complaint received 2023-11-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC (MD)

Ive been disputing an item on my collections for a few months now. Valor Intelligent Process has been reporting an inaccurate item on my credit report that shouldnt even be in collections as Ive been making payments to the actual creditor ( XXXX ). Not only is the account not in collections standings, the amount theyre alleging I owe does not reflect the amount with XXXX XXXX. The debt with XXXX itself was accrued after I moved out of my apartment and called to cancel service that was never cancelled in the first place. Now Im asked to make payments for months of service I never used. 
I can not make payments to the original creditor and simultaneously make payments to the collection agency. I never received any sort of correspondence from Valor, only XXXX and then one day this collections company generated on my credit report. I am now worried that if I finish paying my debt with XXXX, I will still be left with a debt to pay with this third party collections agency. This issue is causing me a lot of anxiety and it is also ruining my credit. If Im making payments directly to the company with whom Im in business, there should not be a third party company reporting me for a completely separate amount simultaneously. Its like Im being penalized twice. At this point Im working with an attorney and will be suing if this matter is not resolved.
Consumer complaint received 2023-07-01
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)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

On XX/XX/23, I deposited a check for {$1800.00} via Citibank Mobile Check deposit. I received an email confirming the deposit and saying I would receive more information about the status of my deposit shortly, but I never received any other communication. On the evening of XX/XX/23, I chatted with a citi rep via online chat and was told my funds would be available XX/XX/23. This rep also told me I would be informed of any delays via writing. On the morning of XX/XX/23, my funds were not available and I was told there was an additional delay placed on the deposit. I spoke with 2 Citi CSRs, the Citi Technical Suport dept, then finally Citi XXXX XXXX -- I told them in no uncertain terms I wanted a copy of the notice I should have received informing me that my funds availability was delayed. XXXX called me back about 1 hour later and informed me that there is an ongoing issue where required notices are not being mailed to Citi customers, and that while he apologized there is nothing he can do and there was no way I could receive a notice in writing about the delay on the funds from my deposit. He then hung up on me. The terms and conditions of my account state that " Our general policy is to make funds from any type of check deposit available to you no later than the first Business Day after the day of your deposit. '' The terms further state " If we decide to place a longer delay at the time you make a deposit, you will be provided a notice that lets you know when your funds will become available to you. If your deposit is not made with a teller, or we decide to take this action after you have made your deposit, we will send a notice to you by the next Business Day. " It is UNACCEPTABLE for XXXX to state that I can not receive a copy of the notice the terms & conditions of my account state that I will receive.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (MS)

Why would the Pentagon Federal Credit Union place me into a mitigation program when I have never been late on a mortgage payment? Because they intentionally created a late payment when the loan for the balloon payment was being processed, so they could place this account into mitigation and they would not have to go forward with a risky foreclosure on a XXXX XXXX XXXX, XXXX veteran. I have been a member with PenFed for 40 years. A first mortgage for 20 years and a second mortgage for 15 years with several credit cards and have never defaulted on any of my obligations. I have immaculate financial integrity. XXXX years ago, the PenFed representative talked me into a interest only loan, so bad they do not offer it anymore. It matured in XX/XX/2023. In XXXX I submitted an application to pay that loan off. With artificial qualifiers, they said I did not qualify ( I had already been paying that loan for 15 years ). They intentionally delayed their processing by asking for superfluous information, information they already had, claiming I owned a home that I didn't, failing to submit subordination paperwork to the SBA causing the 2nd mortgage loan balloon payment to become due while they had control and custody of that loan. Then they submitted to the credit bureau a late mortgage payment, allowing them to put me into mitigation and prevents me from obtaining a mortgage loan from other lenders to pay off the PenFed loan. a perpetual interest only payment. I implored to the loan offer to correct their mistake, he refused. I contacted XXXX XXXX, on the Board of Directors and he took sides with an incomplete narrative, which lacked full disclosure, from his employee. I contend Penfed was unjust in submitting a late mortgage payment to the credit bureau when they had custody of that loan and had plenty of time to process new payments, which I can clearly afford to pay. Now, they have stolen {$210000.00} from me. The amount another mortgage loan company was at the cusp of approving until the credit bureau flagged my account. I can not pay off Penfed as long as I have a missed mortgage payment recorded with the credit bureau