davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

To Whom It May Concern : I am writing to formally request that our account be corrected to reflect the following : Mortgage Payments : XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} This payment should have been {$1600.00}. I enclosed a check for the difference. 
XX/XX/XXXX {$1600.00} XXXX {$1600.00} XX/XX/XXXX {$1600.00} Escrow Payment : XX/XX/XXXX {$1000.00} ( Misapplied ) As of XX/XX/XXXX, we continue to receive automated calls from your company indicating that we are behind in our mortgage when in fact we are not. The escrow payment made in XXXX was misapplied to our account. I spent close to an hour in XXXX with a very kind and seemingly knowledgeable representative who advised that she was placing a work order to have our account corrected. She also advised that I would receive a call and/or email to confirm the corrections had been made. I never received a call. She advised that I did not need to make double payment in XXXX and that the late fee ( s ) that have been charged would be refunded. 
None of these things has happened. I tried again this week to resolve the issue via telephone, requesting to speak with a supervisor who essentially hung up on me because she left me on hold for 27 mins  and never returned. She was extremely rude and would not allow me to explain why I was frustrated nor the corrections that need to be made. She is the second individual with your company that has been rude and abrupt with me via phone. 
At this point I would like to file a formal complaint within your company. If these corrections are not made within 15 business days from receipt of this letter, I will also file a complaint with Consumer Financial Protection Bureau.

Please note that I have enclosed two statements, one from  XXXX Credit Bureau that issues payments to your company each month for our mortgage and one from XXXX  XXXX XXXX to show the escrow payment that was made in XXXX of XXXX. If you require more formal documents from these banks please advise and I will personally go into the branch and have them printed out. 
Lastly, I find it completely disheartening that in XXXX banks/lenders are still bullying hard working American families like us. I routinely pay our mortgage early to ensure that there are no delays with receipt on your end. It seems like we are being punished for early payment. Your company can easily call us to advise we need to pay our mortgage, yet no representative has ever initiated a call to us to state that they want to help resolve our issue. It would seem you count on people not being educated enough to advocate for themselves. 
Shame on you! 

Dissatisfied customer,
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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 2023-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

A debt collections agency, Transworld Systems, has harassed me for several months attempting to collect on unpaid bills to XXXX XXXX, a Texas  based utility. The amount is {$890.00}. My credit score has been greatly impacted by this event dropping by nearly XXXX points. 

I do not owe these amounts. It is an impossibility for me to owe XXXX XXXX {$890.00}. I have no account with XXXX and have never lived in Texas  within their service area. 

Over the past month I have reached out directly to XXXX and requested detail of the SSN and account detail associated with the unpaid bills to support conversations with the XXXX XXXX XXXX and Consumer Financial Protection Bureau. I have received no engagement from Transworld or XXXX. 

- The collection was filed XX/XX/XXXX in the amount of {$890.00} owed to XXXX XXXX XXXX filed XXXX complaint against XXXX XXXX XXXX XXXX responded on XX/XX/XXXX. XX/XX/XXXX - - response from XXXX attached. 

- XX/XX/XXXX reached out directly to TSI and received no response - XX/XX/XXXX filed XXXX complaint against Transworld
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was enrolled into a credit monitoring subscription without my consent or prior authorization by TransUnion. I did not enroll into any subscription, but while trying to access my credit score was told they needed my Credit Card information to verify my identity. I was subsequently enrolled and charged for a credit monitoring service that I did not request or want. 

I had to contact the company in order to obtain a refund that will take up to 10 days.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have several items on my reports that are past stats and needs to be remove. I have disputed these twice already and nothing has been done. The law is 7 years and they are way over 7 years old and need to be remove. I didnt realize it would be such a fight to have this done can you tell why that is? Now a days it just a hit of the button so why is this so hard to do? If this is not taken care of soon I will contact a lawyer and sue,
Consumer complaint received 2022-03-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Bank of America, loan officer, XXXX XXXX XXXX, still struggling with reporting my pre-approval application after almost four months. Have someone who wants to put title of his property in my name, but, being delayed due to this.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank closed account with a vague letter never listing accounts. Moved positive balance from savings to checking without my knowledge then proceeded to collect positive funds with a hold on my account which I also wasnt informed of. Made several attempts to try and get my balance paid to me. Waited over an for bank manager at XXXX XXXX site who kept me waiting in lobby although he was informed I was coming in when the store opened at XXXX. Local time now XXXX. I got here at XXXX. Then team members wanted me to make an appointment. Then was told to wait in line. Teller eventually helped .Customer service on phone was no help either they told me Id have to wait 10 days but Lester was mailed on XX/XX/XXXX and today is XX/XX/XXXX. In
Consumer complaint received 2021-03-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have several items on my reports that are past stats and needs to be remove. I have disputed these twice already and nothing has been done. The law is 7 years and they are way over 7 years old and need to be remove. I didnt realize it would be such a fight to have this done can you tell why that is? Now a days it just a hit of the button so why is this so hard to do? If this is not taken care of soon I will contact a lawyer and sue,
Consumer complaint received 2020-03-25
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: EQUIFAX, INC. (TX)

I have 71 credit inquiries within the past 4 months.

Of the 71 credit inquiries the only ones that I recognize are for car loans ; and I gave permission to XXXX XXXX XXXX to do so. The items, companies, and inquiries were not made and/or authorized by me and I have absolutely NO knowledge of these inquiries. There has been several instances where my bank, Credit reporting agencies and my credit card companies have reached out to me regarding suspected fraudulent activity and it is still going on. 
Please see dates, below. 
I have sent in written disputes to XXXX, Equifax and XXXX. 
XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX   XXXX  XXXX/XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX   XXXX/XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX XXXX   XXXX/XXXX  XX/XX/XXXX : XXXX  XXXX  XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

ON XX/XX/2021 BETWEEN XXXX TWO PHONE NUMBERS CALLED MY HOME TO REPORT A PURCHASE WAS TRYING TO BE MADE ON MY XXXX XXXX CREDIT CARD OF ROUGHLY {$300.00}. THEY WERE ACTING LIKE THEY WERE AN AMAZON REPRESENTATIVE. THEY DIRECTED ME TO A WEBSITE TO GO ON ; XXXX. I DID NOT GET ON THE WEBSITE BECAUSE IT TOLD ME TO DOWNLOAD SOMETHING AND IT WOULD NOT WORK. 

THE FIRST PHONE NUMBER WAS XXXX XXXX XXXX, WHICH I ANSWERED BUT THEN HUNG UP. THE SECOND PHONE NUMBER WAS FROM XXXX, RI XXXX WHICH SAID TO PRESS 1 TO SPEAK TO SOMEONE AND THIS IS WHEN THEY DIRECTED ME TO THE ABOVE WEBSITE.
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (AZ)

I am behind in my payment to Lendmark Financial Services. I spoke with then 2 weeks ago and explained the situation and that I would make a payment as soon as possible. they continue to call multiple times a day, leave me messages and now are calling my references. I spoke with XXXX today who was rude. When I told them to stop repeat calling and to stop calling my references, I was told they had every right to keep calling and will continue to do so. I told her 3 times to cease calls, she said they will not. I advised this is unfair collection tactics.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

The Mortgage company has not paid my Property taxes and holds excessive dollars in the impound account. There is 2.5 times the the tax bill in the escrow account. I have call the Mortgage company and uploaded the most recent tax bill to XXXX  as per instructions from the Mortgage servicer. The dollars still sit in the escrow account.
Consumer complaint received 2022-03-22
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 — Problem with personal statement of dispute
Company: RentDebt Automated Collections, LLC (TN)

Through a former complaint filed against Rent Debt Automated Collections I determined that the company sent the notice of my debt to my old address and failed to notify me on time of my debt to be able to make a payment plan before being sent as a default to my credit report. I moved out of XXXX XXXX XXXX XXXX XXXX IL and disputed additional charges with my landlord. Rather than giving me the opportunity to negotiate they sent the questioned debt to collections who failed to notify me at my next residence. The debt collector failed to send me info to my next residence or contact me on the phone. I feel I was not given adequate notice about making a payment plan before it went into default. I would like to contest this delinquent status. I have paid off the debt with company earlier than requested for my payment plan. Had I been contacted correctly this issue could have been avoided and not impacted my credit report. Now I am being negatively affected for a debt I was not communicated to efficiently about. I would like this default to be removed from my report.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (TN)

This company and CFPB is jerking me around. I have not been able to use my way 2 go card to access any cash in over a week. My card issued in TN with thousands of dollars on it. The company has admittedly made mistakes, and also lying to me, misguiding me. Then XXXX, a representative called me at XXXX XXXX this morning saying shed email so I can email her back if I had trouble with my card, she then called back about an hour later stating the card was good to go. I tried it at an XXXX at the counter, declined, then a XXXX XXXX atm, declined, then XXXX XXXX at counter. The response from company says the card works, issue resolved.. not true! I need results and honesty now!
Consumer complaint received 2021-03-17
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. (HI)

Someone stole my identity & took out a loan in XXXX not me ... took out credit cards in XXXX not me Got another credit card XXXX -not me They are using incorrect names. Im XXXX not XXXX or XXXX This is allllll from XXXX & XXXX WHEN THEY MERGED!!! I reported this all to experian in XXXX & they wont help me I went to a debt consolidation company ( referred to me by XXXX & Experian ) & in XXXX I was advised they didnt pay off any of my debt the company was bankrupt & everything I paid them was stolen. 

I cant get my credit back. Now, my social security card & drivers license is out online & the hacker cant be found. My business has been ruined w/ slander & liable- my professional identity has been violated, stolen & I lost my business after 20 years working on it!!! 

No one will help me!!!! My credit report has false collections since XXXX. 

Ive reported this since XXXX every year & no one helps me!!!! XXXX is the first time I logged into XXXX when it was being developed. I want to press charges against XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX ( a grant program I found on XXXX XXXX. 

I want monetary relief so I can work!
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (VA)

This account is not mines i didn't not authorize anyone to sign me up for this account this account is a result of identity thief and i need this account to be remove ASAP is this doesn't get resolved then i have to use legal actions
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. These fraudulent entries are causing significant damage to my creditworthiness and financial standing, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

Despite submitting multiple disputes and providing all required documentation to support my claims, these fraudulent entries persist on my credit report. This has had a detrimental impact on my ability to obtain credit, secure favorable interest rates, and make important financial decisions. 

I urgently request that you take immediate action to investigate and remove these fraudulent items from my credit report. It is crucial that my credit history accurately reflects my financial responsibility and is free from any fraudulent activity that could harm my reputation and financial well-being. 

Additionally, I request transparent and timely communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to seek legal recourse and escalate this matter to the appropriate regulatory authorities. I trust that you understand the urgency of this matter and will take swift action to rectify it without further delay. I am asking for your assisstance to remove these fraud items in my credit 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 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 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (UT)

Freedom Debt Relief has taken out several thousands of dollars out of my deposit account for there " service fees '' prior to settling multiple accounts. I have moved my business to another debt relief company. I have tried multiple times to get the fees back for the settlements that they didn't fully settle but they think they have a right to the monies. They did fully settle one settlement but for two others they took out the fees upfront. I am looking at close to {$2000.00} in reimbursement from them and any other attorney fees. Also some compensation for losing time off work, effecting my emotional state another {$1500.00}. Total for {$3500.00}
Consumer complaint received 2024-02-24
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 2022-05-25
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: DriveTime (NY)

As of XX/XX/2022 the is a hard inquiry on my credit report from drivetime. I never applied for drivetime. This is not an inquiry or application that Ive submitted to drivetime. I never authorized drivetime, verbally Nor have I ever authorized them to run my credit physically.