davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

Lakeview Loan Servicing is our mortgage processing firm. Our account number is ending in XXXX. We have been dutifully paying our mortgage for years to this firm. We use their XXXX XXXX ACH payment system. In XXXX of this year, 2023, they made changes to their XXXX XXXX system. When we tried to pay our mortgage in XXXX apparently their system could not pull the ACH from our account when requested. We received no notification that their system could not access our checking account to make the payment. Instead we started receiving daily, automated collection phone calls. We, not Lakeview, finally discovered that their XXXX XXXX system was not working properly and mailed our XXXX check into Lakeview. They told us due to the ACH system payment not working that we could not use it for XXXX  months. So here in XXXX we again dutifully mailed in our mortgage payment... .and the automated collection phone calls started again. I called Lakeview back today and they said, in direct contradiction to what they told me in XXXX, that our account was again in suspense and that although they had received our XXXX payment that it had been applied to a suspense account and not our outstanding balance account (? ) therefore we were again inexplicably sent to their collections department and the automated phone calls started again. I am in financial services and understand how poor Lakeviews systems are and how poorly trained their representative are ... .I can only imagine how many people who do not understand Lakeview 's ineptitude and quick 'collections trigger ' must feel about their harassing phone calls... .even when they themselves caused the issue. Thanks for allowing me to submit.
Consumer complaint received 2023-05-08
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. (MD)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX  WASHINGTON, DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2900.00}
Consumer complaint received 2018-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One incorrectly sends me financial statements for someone else at my XXXX email account. I have no banking relationship with Capital One and I do not desire one. 

I phoned the bank and spoke to XXXX and Supervisor XXXX at Capital One 's call in number of XXXX or XX/XX/2018. I was told they were unable to do anything to remove my information from their systems but that I should email XXXX for further assistance. 

I have received a same-day acknowledgement on XX/XX/2018, but no follow up in 14 days.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX a cashiers check was issued by me with the help of a chase rep in the amount of {$2500.00}. The amount taken from my account for this transaction was {$7500.00}, and the ledger supports this. An additional {$5000.00} was taken from my account with impunity and no accountability as far as the bank is concerned. Had I not gone back into my statement and looked at that transaction no one would know and based on this experience Chase does not have the process or procedure in place to prevent this sort of mishap. As a result I did not have access to said funds and have been paying carrying costs on cards that could have been payed off using said funds, in addition to any other use profit making use I would have been entitled to had Chase not made this egregious error.
Consumer complaint received 2023-05-08
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc. (TX)

I have never received any documentation regarding this debt, however, i have attempted multiple times to remove this charge from credit report. In fairness, i need to be notify with the accurate information and contact of who i need to reach to discuss the charges.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VT)

I have an issue with my loan servicer. My loan servicer was XXXX XXXX XXXX for over 10 years, they transferred my loans to XXXX without my consent. As a result of this switchover my credit score has dropped over 40 points as they've reported my account closed, wiping out over 10 years of history on this account. This seems extremely unjust as I've worked hard over a decade to build up my score and have never once missed a payment. Please tell me how this is fair to me as a borrower. I've reached out to them and they've told me " that's how it is ''. I demand some kind of action. 

FURTHER, they've deleted ALL of my payment history and now neither XXXX nor XXXX XXXX have any information on my payments, for over a decade! Please urgently advise.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (TX)

My rights have been violated by Experian due to their unwillingness to correct erroneous information on my credit report. I've contacted them in regards to this and they failed to investigate and modify or delete the incorrect information. They are in violation of the FCRA by their actions and by continuing to report without validating the information.
Consumer complaint received 2023-05-15
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (GA)

XXXX accordance with the fair credit reporting act XXXX accounts has violated my rights XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX- XXXX XXXX- XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Setion 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

inquiries that i didnt initiate are on my report and TU is n't removing and stated i need to refer to creditors. i have and was referred back to them and told that it stays for 2yrs. it should be deleted as other bureaus have done. If i never called these creditors and asked for the inquiries i shouldnt have to call and go back and forth between companies for a removal. TU has sent me back and forth needlessly. my dispute should n't have to take all year to complete nor even a week.
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MA)

Ocwen Mortgage serviced my loan # XXXX between XXXX - XXXX. 
Property address is : XXXX XXXX XXXX # XXXX, XXXX MA XXXX. 
Then it was transferred to another servicer XXXX in XXXX. 
Expected that account is closed as of XX/XX/2013. 

I just got a Credit Report and Ocwen shows as OPEN, but should have been CLOSED back in XXXX. 

Called Ocwen customer service on XXXX twice between XXXX - XXXX XXXX. They were unable to find my account by loan # or SSN # since account has been Closed. 

Now I am stuck with Loan showing OPEN which hurt my Credit Score since I am trying to obtain a new Loan. 

Matter is URGENT and requires an immediate assistance in resolving as soon as possible. 
This account should be Closed. 

please see credit report attached Thank you XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 1681. Act Name : XXXXXXXX XXXX XXXX, Act Number : XXXX, 15 USC 1681 section 602 A, 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. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely,
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I notice that my credit report does not update every 30 days as supposed. Also, my report reflects a debt amount that is not correct. I also typed and mailed a certified letter stating my Current name, address, employer and number that I wanted only my report to reflect and that was not updated correctly. I have called several times to experian to get these issues resolved and I'm always given the run around or being transferred to different people and no one still helps.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
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: Experian Information Solutions Inc. (IA)

On XX/XX/23 I submitted complaint XXXX through the CFPB XXXX about EXPERIAN showing SEVERAL inaccurate addresses and phone numbers, personal info on my report. It was my 2nd complaint through CFPB with the company NOT removing the inaccuracies and violating my rights. The 1st round attempt was case # XXXX on XX/XX/23. 

EXPERIAN does not seem to understand the severity of their violations. They just seem to do nothing or partial work on my complaints either directly working with them or with the support of the CFPB. And EVEN after showing proof these are NOT my addresses and are not on with of my XXXX OR my XXXX Credit reports. 

In my last attempt I stated that the fair resolution to get them to actually respond and STOP violating my rights was to REMOVE all the inaccurate info or pay {$1000.00} for each piece not removed. 

The completely ignored and did NOT remove address XXXX XXXX  and # XXXX given in a list of XXXX inaccurate personal info being reported in complaint XXXX
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting Act, the below mentioned accounts all have numerous discrepancies across various reporting credit bureaus AND VIOLATED MY RIGHTS : XXXX XXXX ( Installment ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX XXXX ( Revolving ) - XXXX ( no number ) - Inaccurate dates XXXX XXXX XXXXXXXX ( Revolving ) - XXXX ( no number ) - Inaccurate dates My rights were violated based upon : 15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have contacted all 3 reporting agencies that I did not provide written consent and need them above removed immediately. I would ask the CFPB to enforce the removal directly should they not in a timely manner.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2023-05-15
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: Experian Information Solutions Inc. (TX)

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 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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 relating to 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 2018-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BUDGET CONTROL SERVICES, INC. (CO)

Years ago I was never informed of the debt and I have no contract with budget control for {$160.00} and want it removed immediately from my credit report Thx for getting this bad damage to me fixed in advance XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Request to Remove Incorrect Name from Consumer Report Dear Experian, I hope this letter finds you well. I am writing to bring to your attention an error on my consumer report that requires immediate correction. My name is XXXX XXXX, however, there is an incorrect variation of my name listed on my credit report as " XXXX XXXX XXXX. '' Upon reviewing my credit report, I was alarmed to discover this inaccurate information. In light of the increasing incidents of identity theft, it is crucial to ensure the accuracy of personal information on consumer reports. As a responsible individual, I take the security of my personal information very seriously, and any inaccuracies could potentially impact my financial well-being. 

I assure you that " XXXX XXXX XXXX '' is not a valid variation of my name, and I have never used this name in any official capacity. It appears to be a case of mistaken identity, and I kindly request that you promptly remove this incorrect name from my credit report. 

I understand the importance of maintaining accurate consumer information, and I trust that you will take the necessary steps to rectify this error in a timely manner. Please let me know once the correction has been made, and feel free to contact me if any further clarification is needed. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX violated my rights. 15U.S.C. 1681 section 602 A States I HAVE THE RIGHT TO PRIVACY. 15U.S.C. 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instruction.15 U S Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies.