davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

I first want to state this is the second time I am submitting a complaint here. This company is continuously failing on many levels regarding my mortgage. I would stay away as far as possible. My previous complaint is listed here : XXXX. It appears it's no longer in the database for whatever reason. 

I feel like I am being gaslit by the promises and continuous failings by this company. I get told conflicting information at every turn. 

In XXXX, I received a loan modification document with an incorrect interest rate from Lakeview Loan Servicing ( XXXX ). I had a prior agreement with my previous servicer for a loan modification after forbearance with an interest rate of 2.875 %. I gave Lakeview Loan Servicing the modification agreement from my previous servicer, and after a couple weeks, I received a phone call from XXXX XXXX or one of her associates that YES, they would honor that agreement. I would need to wait for the paperwork, but I would be fine. I agreed with those terms, and have been waiting since. Today is XX/XX/XXXX, so it's been more than 60 days. 

This is where Lakeview Loan Servicing has left me since my last complaint.

Since that date, I've spoken to 5 managers at Lakeview Loan Servicing, and every single one of them gives me a different answer as to why my issue is not yet resolved. 

I was told by XXXX ( User ID FGA ) that he would remove me from the dialer since I am being harassed. I'm still receiving phone calls at least 3 times a week. 

I can no longer log into their website. I am greeted with a message asking me why I am behind on my mortgage, but I can not select anything to progress. 

They do not post any documents to the customer page, so I have no way to verify anything I am told by the customer service reps or the supervisors. 

Today, and almost every day for the last two months, I have been harassed by phone or mail about my loan being past due when I'm unable to make a payment since they will not let me. I can not log in, and was instructed to not attempt a payment until the modification was complete. 

I never get a straight answer as to why I still do not have the loan modification documents yet, but I am constantly assured that I am still protected. I get answers from the supervisors that " The print team is working on this, but they are backed up with all of the other loans we're processing ''. So why today, do I receive a large packet that was clearly printed by a printer that is completely backlogged? 

I thought it was finally the corrected loan modification documents, but it was a large packet of you missed your house payment. Do you need financial assistance? This document was dated : XX/XX/XXXX.
Consumer complaint received 2023-11-03
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$28000.00}.
Consumer complaint received 2019-11-20
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: EQUIFAX, INC. (LA)

I have tried to get a loan that shows it has been charged off on my Equifax credit report removed. The loan is in good standing and I was told by the loan agency to dispute it on my credit report and it would be removed. I went through the credit agency and they denied my dispute, but my husband disputed the same loan and it was removed from his credit reports. They will not remove it from mine.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IL)

I had linked my Marcus savings account to my XXXX in order to pay someone for a larger purchase ( vacation for a group trip, in which another person paid for the trip up front and we all had to pay her via XXXX ) and it was getting declined despite having adequate funds in the account. I called the customer service number, which was almost completely automated and made it extremely difficult to speak to a person. I spoke to a woman named either XXXX or XXXX ( I'm sorry I can't quite remember ) and explained the situation. She explained to me that I was not allowed to use the account for things like XXXX, paying bills, etc. I asked what the reason for that was and she reiterated that it just was not allowed and I could only transfer to another bank account. 

This seems extremely restrictive and there is really no good reason that I shouldn't be able to access my funds in any way I choose. This makes me especially anxious when considering Marcus has no physical locations. A transfer to my checking account takes a couple days and any other method that I might utilize my money, say by paying an urgent bill or unexpected expense is just " not allowed '' makes it seem like they are trying to implement rules for the sake of keeping the funds locked up tight. Although it is a savings, not a checking account, there are many, many conceivable reasons a person would need to access the funds in a way other than straight to a checking account. Further, it is not the Bank 's duty to police the ways in which a person can access their funds. XXXX nefarious activity, people should be free to access their funds in any way they choose. 
I'll be closing the account so it will no longer apply to me, but it should be noted that Marcus is being unnecessarily restrictive in their use of other peoples ' money.
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (NJ)

I sent a letter informing them I never received anything from the origianal creditor in reference to this ( alleged debt ). Also I want to know how this collection agency ( CBE Group ) received my personal and private information. I never consent to 3rd parties receiving my personal medial information ( for collection purposes ) I always opt out of this. I believe this is violating HIPPA laws ; by this CBE Group illegally obtaining my personal and private information. Also this collection agency ( CBE Group ) are not the original holders of this debt. I believe the Fair Credit Reporting Act has laws about collection agencies illegally attempting to collect on debts.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Equifax disingenuously responded on XX/XX/2021 to CFPB XXXX " ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received.
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (VA)

Debt is reporting still on my report and I have requested for validation of this debt and verification, was told will be removed from report as no verification of debt was able to be provided..Debt have still not been removed and is still being reported. I have sense requested it to be removed and stop reporting inaccurate debt.
Consumer complaint received 2021-10-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

On XX/XX/XXXX, I sent National credit adjusters a certified debt validation letter. They signed it on XX/XX/XXXX. In my letter that I will attach, I ask for several things for them to valilidate. On the response letter, I also will attach it, they failed to verify any info I asked them for. They didn't supply anything. this account needs to be deleted
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had called the credit bureau, TransUnion, about there being a hard inquiry that I did not authorize nor have heard about until it showed up in my account. They said I can call the company that I am disputing about to ask if they can send some documentation stating it was a mistake or an error and for me to take that letter and send it through mail to TransUnion to have it removed. However, I had called that company and did as such, yet, the company could not find any records of my information. However, the hard inquiry was there since XX/XX/2021 and it is currently XX/XX/2021. The company had told me to recall TransUnion and explain what happened and so I did again and they said to write a request through the FTC department or file a police report and send a copy to TransUnion 's po box with my information so they can remove it after. I am here now and am stressed with going back and forth between the companies and phone calls and would just like it to be handled correctly.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am filing this compIaint because I have mailed letters to all 3 credit bureaus ( XXXX, Experian and XXXX ) dated XX/XX/2021. The letter requested deletion of an incorrect name and correction of inconsistent payment dates and inconsistent last active dates ', As of today 's date,XXXX, I have not received a response regarding this request.
Consumer complaint received 2021-10-01
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (MN)

1. I notified Navient by certified mail that three Tuition Answer Loans that I made with Sallie Mae had been discharged in bankruptcy and demanded that they ( 1 ) remove the accounts from my credit reports and ( 2 ) stop collection activity. I provided Navient copies of the Chapter XXXX Discharge, notice ( Creditor XXXX  ) reflecting that my federal loans made with Sallie Mae were held as priority and not discharged but that Sallie Mae 's private loan division did not claim a priority status for the Tuition Answer loans and that they were discharged. ( Audio at XXXX ) 2. I am submitting herewith an audio recording of conversations with a Navient employee who stated she was a supervisor in the private loan division. This audio recording demonstrates that Navient is continuing to make knowingly false reports to the CRAs about three accounts that have been discharged in bankruptcy for over a decade.

3. Three federal circuits have identified these particular loans as not only being dischargeable in bankruptcy, but the courts ' analyses highlight the predatory nature of the loans -- and Navient 's targeting of XXXX college students who are disproportionately students of XXXX  and/or students from historically economically disenfranchised groups. 
4. I am a law student and on XX/XX/2021, was denied a federal GradPlus loan based solely on Navient 's continued reporting of these Tuition Answer loans on my credit reports.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX  XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX  XXXX XXXX ). 
( XXXX XXXX XXXX XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

Hello, I received a letter from Wells Fargo about a change of address notification for a checking account and a platinum debit card. Checking account ending XXXX and debit card ending in XXXX. They also mentioned that they have updated the address and they are checking whether it was me who did that change. I called them immediately and told them I do not have any Wells Fargo card or ever had any banking relationship with Wells Fargo. It's a fraudulent account and I want them to freeze it and kindly investigate it. Upon requesting to freeze and give a letter in writing about the action fraud department employee started questioning me and asked me unrelated financial questions and my social security number. I told them that I am not comfortable giving you that information knowing that I am a victim of identity fraud and the next thing they are asking me is my social is a cruel thing. They told me they can not do anything in this regard and closed the case. I told them wells Fargo opened a fraudulent account using my name and address and now that person is trying to change address with USPS to divert my mails. I reached out to USPS and mentioned to them I am not changing any address nor have I made any request. I seek a resolution and in meantime, during my online search, I found that this is a modus operandi of wells Fargo to increase customers.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ASSOCIATED BANC-CORP (WI)

Associated Bank helped me dispute multiple disputes including one for XXXX and during the internal investigation of associated bank corp and the other website vendor they determined that the transaction was valid based on an ip address, date of transaction and username and my email address. im still disputing this because is my current email address that im using but someone is watching my email emails that's how they know all my whereabouts and thats why im getting all the calls and the texts that are harassing and and spam fraud and identity theft people are hacking my and collaborating my XXXX XXXX settings and i can't control no matter how many times i change my password. someone has control from somewhere else. i can pull my XXXX  location history and dates from my email address and ip addresses to see if that matches the login the other website gave associated bank. the other red flag was they are claiming to associated that my email was linked to a username i created which i didn't and i dont recognize for one for two my whereabouts on the date that ip address access used my email address and that username to log that site was from location XXXX XXXX i have alibi that places me in XXXX  XXXX all day that where i live. I claim someone's setting me up and associated is coming after me because financially there holding me responsible for this XXXX transaction plus whatever else i disputed with it from all the other probly phone websites.
Consumer complaint received 2021-10-01
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 pay for Experian credit monitoring. Experian dropped my score 16 pts from XX/XX/XXXX to XX/XX/XXXX. The reason listed on my Experian account says " The percentage of your accounts paid on time has decreased by 9 % since XX/XX/XXXX ''. My Experian credit report shows no late payments in that period and shows everything as paid on time. I have spent hours on phone with Experian and they just read off a script saying that many things can affect a credit score, which I know. They also confirmed that there are no late payments on any of my accounts in this period. They are not showing any lates and refusing to tell me what the late payment was.
Consumer complaint received 2021-10-01
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. (GA)

I am filing this compIaint because I have mailed letters to all 3 credit bureaus ( XXXX, XXXX and Transunion ) dated XX/XX/2021. The letter requested deletion of an incorrect name and correction of inconsistent payment dates and inconsistent last active dates ', As of today 's date,XXXX, I have not received a response regarding this request.
Consumer complaint received 2021-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NV)

, I feel I am a victim of predatory lending to through originally XXXX  XXXX  and now ancient. I attended XXXX XXXX. They violated state law and for profit schools where found guilty of predatory lending. Under the current law they can not garnish or put a lien on personal property or your paycheck. Not only was I protected through a divorce decree to repay with conditions which where violated. But also protected by predatory lending law. The department of education along with XXXX have refused to recognize the law or abide by it. This has left me in financial ruin for 10 years. I've lost out on 2 home purchases, higher rates for loans, mental health and medical bills pop paid by state or federal agencies. It has violated the human trafficking laws of 2000. 
I have been harassed by federal agencies because of local and family associates involved. My two children who I have legal custody of are concealed and it all boils down to financial abuse of my ex wife XXXX XXXX and XXXX XXXX refusal to dismiss the loans. 
I need help and backing in fighting this issue. I can't be the only one
Consumer complaint received 2023-11-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Bought a Mastercard Vanilla giftcard which was compromised. Someone had opened the packaging, photocopied the barcode to activate and then sealed it back up with superglue to defraud people buying giftcards. Whoever did that put another giftcard in there that was the wrong denomination. The barcode on the back matches the packging numbers because it is a photocopy of the card on card stock and even feels like a real barcode.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Huntington suddenly without warning or cause ( in my opinion ) closed my checking and savings accounts with them on XXXX The accounts had a balance of over {$16000.00} in them and I need access to my funds as soon as possible, without delay. The company, Huntington bank, is not providing any information and is not cooperating to expedite the closure process/ the processing of the check for remaining balance.
Consumer complaint received 2019-12-12
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: Experian Information Solutions Inc. (TX)

I tried to resolve my issue with XXXX MASTERCARD in XX/XX/XXXX/XX/XX/XXXX when I disputed the way XXXX increased their interest rate from 2.99 % to 32 % +. I was unsuccessful on every level during this time of trying to communicate with them, as they would not talk to me. During this time ( XX/XX/XXXX ) I was not aware of XXXX 's problems with the FDIC. I soon found out there was a Class Action Law Suit against them and XXXX filed for Bankruptcy sometime during the XX/XX/XXXX/XX/XX/XXXX time frame I believe. I'm not certain of the actual filing date of their BKRPTCY. 

I was working hard at paying this debt off in XX/XX/XXXX/XX/XX/XXXX, as I reduced my balance from {$8000.00} +/- to {$2500.00} +/-. During this time as I continued to reduce the total owed, I became more irritated that XXXX or a rep would not contact me to discuss my issues. I figured I would stop making payments in XX/XX/XXXXuntil someone called me to discuss. That's when XXXX closed my account ( XX/XX/XXXX ). I have attached a couple Statements from XX/XX/XXXX/XX/XX/XXXXwhere it is printed on the front of the STATEMENT this account is closed. Based on closing my account XX/XX/XXXX due to late payments, this would start the 7 year clock ticking at my first late payment leading up to my delinquency. ( Based on Experian 's explanation of the most common problem in credit reporting is late or missed payments ), I tend to agree and this occurred on my account mid XX/XX/XXXX. 

Based on these facts ... ..the XXXX Negative Report has been on my Credit file now for 10 years 6 months & 2 weeks. 

I'm asking for the XXXX File be removed from my Credit File entirely.