davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

I have contacted Loancare LLC several times and sent written correspondence asking them to review my Escrow and adjust to accurately reflect my property taxes. Loancare can not connect me directly with an Escrow department representative. So, their approach is to " send an E-Mail ''. This has resulted in No action. I have a surplus that should also be refunded to me. Their customer service representative fails to ensure that my request is being escalated - they did not even have a record of a conversation from a previous call where they said they would escalate this issue to the escrow department. This lack of support is an accurate reflection of ALL the complaints logged against Loancare LLC. This is a pathetic and incompetent organization.
Consumer complaint received 2019-07-12
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)

XXXX and Transunion are reporting incorrectly the XXXX XXXX partial account number XXXX as ( 120 ) days past due. ( Please see page 4 of the attached credit report. ) This account does not belong to me. I do not know who XXXX XXXX is. This trade line item recently appeared on my credit report. This incorrect reporting is harming my credit score and this item needs to be removed. I have contacted the ( 2 ) bureaus to resolve this, however I have been unsuccessful.
Consumer complaint received 2024-03-21
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: ALLY FINANCIAL INC. (GA)

This creditor ALLY FINCL, XXXX XXXX XXXX, XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (VA)

Information on my credit shows that the account is dated 2005 from US. Dept of Education. 

The account is not my account, the account has no balances or other pertinent information. 

The account is 15 years old.
Consumer complaint received 2023-05-11
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 A Section 2 states a consumer reporting agency can not furning an account without my written instruction.
Consumer complaint received 2022-10-03
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. (IL)

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 2022-10-03
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)

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 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (FL)

Prior case XXXX which has not been responded about payment not applied during the Forbearance time. The payment t was not applied and returned. 
Several payments have been sent and have not been applied and returned to thr checking account which has always been used for payments. 
A payment in thr amount of {$4800.00} was received by them on XX/XX/XXXX and again, it was returned. 
A payment in thr amount of {$6200.00} was made on XX/XX/XXXX and ir has not been applied again. It was ro paid XX/XX/XXXX, XX/XX/XXXX, XXXX. Payment have been returned since XX/XX/XXXX even though it was during thr Forbearance period. 
If this account goes into Foreclosure, proof thr payments were sent and the funds were cleared will be provided. Per the statements provided by sls, the payments are sent to the address the statement given. The payment breakdown has been provided on the statement and met. 
SLS has no interest in applying the payment and continues to report based on their Refusal to defer thr payments during the Forbearand and Refusal to apply the payments received.

The payments up to the current month were sent.

SLS is not interested and only wants to take away the property.

This will go great in Mediation if it goes into Foreclosure because all the receipts will be provided to the Judge, as well as, these attempts via CFPB.
Consumer complaint received 2022-10-03
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Using credit reports without a permissible purpose : Companies can not access or use consumer credit reports without a valid reason, such as for employment, credit approval, or insurance underwriting. 

Failing to provide required disclosures : Companies must provide consumers with certain disclosures regarding the use and dissemination of their credit information, as required by the FCRA. 

Reporting inaccurate information : Companies must ensure the accuracy of the information they report to credit bureaus and correct any inaccuracies promptly. 

Failing to investigate consumer disputes : If a consumer disputes information on their credit report, companies have a legal obligation to investigate the claim and correct any inaccuracies. 

Sharing credit information without consent : Companies can not share consumer credit information with third parties without the consumer 's explicit consent, except in certain limited circumstances. 

Violating the rights of identity theft victims : Companies must comply with specific procedures outlined in the FCRA to address and mitigate the harm caused to consumers by identity theft. 

Overall, any violation of the provisions outlined in 15 USC 1681 can result in legal and financial penalties for the company involved.
Consumer complaint received 2023-02-10
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. (MS)

I have been sending in complaints and disputes letters for 6 months now and nothing has been done. Ive called and no one has done anything to get the fradulent items off my credit report. I did not work with these companies.
Consumer complaint received 2019-12-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates, LLC has called my job and was asked by myself and my manager not to continue calling this was about XX/XX/XXXX. Then starting this year ( around maybe XX/XX/XXXX ) they have been sending mail addressed to me at my job. Receiving personal mail at my job can result in termination and I have received mail from them as recent as today XX/XX/XXXX. One of the times my coworker answered the phone they told them they were calling to collect a debt from me and there is no way they could be confused that they were calling a work place because there is a greeting and extensions that has to be pushed to reach the different departments.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My payment information on my XXXX XXXX XXXX  is not being recorded by TransUnion as it is correctly reported on XXXX. I have contacted XXXX XXXX and they have reviewed and confirmed that the information has been given to TransUnion as it was with the other three agencies. I disputed this with TransUnion and they are saying XXXX XXXX is not reporting the information. For some reason XXXX XXXX information is accurate at XXXX  and it was correct last month at TransUnion so why did it change to the wrong data? I have attached my TransUnion last month, TransUnion this month, and XXXX  payment logs for proof of what I am saying is the case.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (AZ)

I asked a customer service rep about getting set up on autopay. I was sent a form to fill out. A requirement is that at least one payment from the account from which the autopay will be debited is submitted manually. I made my XX/XX/XXXX minimum payment as required by my XX/XX/XXXX statement. The payment was received XX/XX/XXXX. I then filled out the autopay form and submitted it. 

The form even asks for an email address for confirmation that the autopay was set up. I never got it. I don't think it was ever sent. Today I learned that my already paid minimum payment will be debited AGAIN on XX/XX/XXXX after it was already paid. I'm out the money TWICE.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

My name is XXXX XXXX. I have a loan with Bayview Loan Servicing LLC. I would like my home to be released to me. I would like Bayview Loan servicing LLC to stop negatively reporting on my credit bureau report. I've never had a late payment. I feel like I'm being treated unfair. I paid my mortgage off in XX/XX/XXXX. I have been paying on fees add to the mortgage.. My mortgage came from XXXX. I really only owe {$380.00}, this is an add on created at my first mortgage company,  XXXX. Since I have Bayview Loan Serving LLC has acquired my mortgage it has increased every time the payoff is near. I have over paid {$1200.00} on this mortgage and I need help to be done. Bayview wanted {$1200.00} for the add-on to mortgage. When I started paying it off the add-on amount kept changing now it is {$1700.00}. This add on I was informed by Bayview Loan Serving LLC. XX/XX/2019 the last payment was made. I only authorized one mortgage payment of {$360.00} for XX/XX/2019. There was a second payment withdrawn from my account for {$360.00} on XX/XX/XXXX unauthorized. The balance on the mortgage after the first mortgage payment was made in XX/XX/XXXX of {$360.00} would have been approximately {$100.00}. I received the check for {$250.00} in the XX/XX/XXXX mail. I checked my bank statement and call my bank. I had my bank reverse the second mortgage payment. Receive documents in the mail saying to pay my mortgage off and there are no liens on the property. Bayview gave me a representative by the name of XXXX called me on XX/XX/2019we did final payment on the mortgage of {$200.00}. I also received an overnight package requesting XXXX XXXXsome dollars to close the mortgage out overnighted do XXXX  the day before. Yesterday I received the documents saying I owe {$1600.00}. This is what they want to make the mortgage current. Every payment I made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are marked as unpaid. My bank statements will prove that I paid my mortgage. The letter also says I'm 149 days delinquent in my mortgage and they want to foreclose on my home as of XX/XX/2019. I pay all my own taxes and insurance on the property.
Consumer complaint received 2024-03-20
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: JPMORGAN CHASE & CO. (GA)

First & foremost, I have been going through a financial crisis since 2022. After moving to XXXX, My mailbox was broken into and my new license and credit card ( s ) were stolen. From then I knew I had to start montitoring my credit. I was using the app and everything seemed to be fine for about 6-9 months. When I started to struggle, I was unable to keep up with my monthly subscriptions for my credit monitoring so I was unable to monitor what was going on with my credit for a few months. When I was finally able to start back monitoring, I noticed my credit had dropped XXXX points due to someone attempting to get cars in my name ( due to all auto inquiries ) & the thieves successfully got an apartment IN MY NAME!!! ( a collection company has been harassing me to pay them ). I just want these items removed, so I can go back to my normal life.
Consumer complaint received 2024-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I paid the company the entire amount owed and all that was left was XXXX in late fees. Get on there today XX/XX/20 and they have our bill at {$1000.00}?? We are not late and I am not paying them more money that I DO NOT owe!!! I want the bill explained and I want to know why it is XXXX when a week or two ago it was XXXX!!!!
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a checking account and savings account with Bank of America. Starting XXXX and continuing into XXXX, I was conned out of {$1600.00} in an elaborate gift card scam. Bank of America could see large sums coming out of my checking account for XXXX gift cards and could see these purchases were draining the {$600.00} I had in my checking account and then causing the account to overdraft. Instead of its fraud unit getting alerted to the situation, and instead of letting my checking count overdraw and start rejecting purchases due to insufficient funds, without my knowledge or consent, Bank of America transferred the {$1000.00} I had in my savings account, out of that account and into my checking account where, once there, the con artists defrauded me out of that {$1000.00}. If Bank of America had NOT made that transfer, I would have only lost {$600.00} instead of {$1600.00}.
Consumer complaint received 2019-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

I WAS SCAMMED BY PAYING USING XXXX XXXX. I PAID XXXX XXXX {$870.00} ON XXXX AND {$900.00} ON XXXX. I ALSO PAID XXXX XXXX {$1400.00} ON XXXX AND {$800.00} ON XXXX. THESE 2 PEOPLE SCAMMED ME AND THEY DID NOTHING AT ALL FOR ME. I WAS TOLD TO DO XXXX XXXX AND NOW I KNOW WHY. I HAVEN'T BEEN ABLE TO CONTACT THEM AND I TRIED WITH THE XXXX XXXX RESTITUTION AND WAS TOLD NOTHING COULD BE DONE TO HELP ME. 
I ALSO PAID A COMPANY CALLED XXXX XXXX XXXX XXXX {$790.00} ON XXXX USING MY CHASE FREEDOM CC. THIS COMPANY AGAIN SCAMMED ME AND I TRIED TO REPORT THIS AS FRAUD AND THE CREDIT CARD COMPANY DENIED THE CLAIM BECAUSE IT WAS DONE IN 2012.
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

This is a response and continuation of complaint # XXXX. 

On previous complaint/response Fay indicated the $ 88000+ reinstatement I paid in XX/XX/XXXX covered late months starting XX/XX/XXXX and all subsequent payments. I am attaching proof I made several mortgage payments in XXXX and XXXX. I paid these months and payment was taken out from my bank. 

I am providing statements showing Fay Servicing is not properly crediting my mortgage account. And charging me twice for the same months. I paid my reinstatement amount required to bring my mortgage account current after several months of missed payments and trying to get help with payments. 

On previous complaint Fay did indicate there was a calculation error on their part. This error is making me late on my monthly mortgage payment. Fay Servicing never made me aware an additional payment was due ; I was made aware with my credit report. Fay is asking me to provide an additional $ 4500+ to bring my payments current after they made an error in calculation. I am asking Fay Servicing to assist borrowers in providing help in bringing account current and not just say " Sorry, it is what it is. '' Asking borrowers to suddenly and ASAP to come up with an additional $ 4500+ is not ethical. 
I am asking Fay to please help borrowers. Asking to please assist borrowers and not push them to be late payments and foreclosures. 

Attaching Several months, my bank is only providing 2 years ' worth of payment history.
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I signed into my account. They said they wanted to send a text message to the phone number XXXX after XX/XX/23 i am no longer the owner of this phone number. I attempted to gain access to the account through my passport. I sent them a picture of my face, and a photo of my passport. They sent some automated message saying they were unable to verify me. Any other avenue of contacting them was met with a prompt to sign in, which is impossible at this point. They are making it impossible for me to access the account in an attempt to defraud me from the thousands of dollars in the account.
Consumer complaint received 2023-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (KY)

Before I consolidated my student loans with a parent plus loan, I spoke with XXXX at length about it and I was told that my payments made would still count towards discharge and would remain the same. Discharge in 25 years. They gave me credit for those months and continuously reported it as such. 

However, when AidVantage took over they changed it and took away those credit years showing now I owe another 18 years. I complained and they refuse to change it back. I filed a complaint with Student Aid and they just referred it back to AidVantage and it won't change. 

So, now I'm trying to file a complaint with CFPB to see if I can get this addressed and taken care of. I'm almost XXXX XXXX XXXX. The massive interest on the student loan has grown and it will never be discharged in my lifetime if I don't have credit for the years as stated by XXXX. If I get credit for those years, I will be close to discharge.