davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

My mortgage was sold to Lakeview Loan Servicing LLC subserviced by XXXX. As best I can tell they are the same company. I received a bill stating they have not received payment from me and they charged me a late fee and have reported a late payment from me. 

I pay them {$400.00} every 2 weeks and have never missed a payment. The Statement they sent shows they received the payments and that they credited them to my account, but they are not counting them as payments?!? 

The statement is also poorly written and does not add up to the proper amounts paid for principal mortgage and escrow. They include lump sum payments to the escrow and payments from the escrow all as debits in the Total column. It looks like this statement was intentionally written to confuse borrowers. 

I would like this late fee removed the payment history updated to show I have never been late. I would also like the format of the statements to be corrected so that it properly shows debits and credits and it more friendly to read. 

Looking at the volume of complaints against this company online, I think the CFPB needs to take more serious action against this predatory loan servicing company.
Consumer complaint received 2021-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

My credit dropped 63 points with Equifax after I opened a new credit card. I want an explanation. A specific explanation. Not generalities.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CT)

A collections agency reported on my credit that there is a collections against me. A fraudulent account was created through XXXX  in my name. I contacted XXXX global fraud. They determined I should contact XXXX which I think is an affiliate of XXXX, and gave me a number. I could not get a live person. I filled out a form online and no one has responded to me yet. It has been two weeks.
Consumer complaint received 2019-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

The problem is, PNC does not keep up daily accounts of transactions and sometimes, the amount says one thing, but the actual amount is another, less. Then I spend the money that says I have " available '' in the account only to find there are overages. 

Now, I have asked on several occasions for them to return charges of {$36.00} each, this time twice adding to {$72.00}, but they refuse. 

I have asked them to put into writing their side of the story, but they refuse, obviously because the company knows they are perpetrating fraud. 

Since XXXX of XXXX, the United States has made it possible for banks to carry 0 funds to cover transactions. 

The fraud comes in because the banks did not notify me that there are no actual money transactions being made, but only by computer, so in effect, there were never any overages to my account, because they did not have the money to back my supposed negative balance. 

They have never informed me of this situation, never disclosed there is no money exchanged between parties, which constitutes fraud. 

I have these two as examples of this situation and have others adding up to over {$900.00} since being a customer of PNC. 


As you can see by PNC 's own admission, they state that if the account is overdrawn and they have to " Pay, '' is fraud because they are not paying anything. They are not using money, only electronic means, no actual money is necessary in the bank to pay a debt that supposedly exists. 

The admission they are paying is fraud. Their wording, not mine. PNC has never, not once enclosed this information to me, their client.
Consumer complaint received 2019-12-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (KY)

I do have a credit account with XXXX XXXX XXXX XXXX which was past due. I do not deny that. However, they have repeatedly called my in laws to collect payment and I do not reside with them and am also (obviously) not blood relatives of theirs. It is my understanding that if they've contacted a "relative" once and established that they do in fact have the proper number and email for me (which they do and it is NOT the same as my in laws) that they are to no longer contact them again. They have done this in the past and I've contacted them regarding the matter. They continue to call excessively. Again, I understand my part in the matter but it is my debt to pay not persons unrelated to me.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (FL)

I had an authorized use of my credit card. A company I used charged more than the agreed amount that I signed for. I have disputed it twice with the card company and have asked them to provide details of why the dispute was not done correctly and they are unable to provide. I did not authorize the amount charged on my credit card and I am requesting that the CC company send me a signed receipt of the charge as I did not sign for it. This is with TD bank
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am not liable for this debt with CAPITAL ONE BANK USA N A and I do not have a contract with XXXX XXXXXXXX XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Consumer complaint received 2021-07-28
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. (SC)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-07-28
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: Byrider Franchising, LLC (OH)

I called the companies that ran my credit report and they were not willing to help. I need these two inquiries off my report. CNAC Financial and JD Byrider. I have not applied for anything and have not used my social security number on the internet for anything.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have had a collection on my report from XXXX XXXX which shouuld have been removed and still has not. I have requested that the Credit bureaus XXXX  and Transunion remove this collection and they have still not. Please HELP!
Consumer complaint received 2022-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Im reaching out concerning XXXX XXXX XXXX disputing a concerning incorrect collections report on my account. Despite me clarifying this fraudulent XXXX has repetitive, deny my reported dispute of this falsified collection claim. At first I wasn't sure where it came from until they listed the date of the original accounting information. I've tried to rectify this issue on multiple occasions. At that time I was able to provide Capital One Bank with verified and legal documentation of concerning the police reports that was on my behalf, also enclosed were a photo of my injury, as well as details documents addressing that I was drugged, kidnapped, and robbed all in one night. All financial banking information, banking cards, with my grandmother unreplaceable designer purse. This included everything that I worked for within those two weeks in which was {$760.00} dollars, along with other valuable items that was stored in my purse that evening. 
I'm not sure of the reason why after all this years that a collection company known as XXXX XXXX XXXX had issued me a collection debt. Concerning a well documented local televised criminal investigation in XXXX. Because, I will still able to provide this corporations Capital One Banking and XXXX XXXX with the original police report from my attack on this case has been resolved, closed this includes the credit company XXXX and XXXX as well. I was able to clear up this issue with both companies in XXXX of XXXX. Debt Buyers on behalf of Capital One Bank XXXX card company. 
Accurate account number XXXX Account type Debt Buyers on behalf of Capital One Bank XXXX card company
Consumer complaint received 2023-01-23
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. (GA)

An account from XXXX XXXXXXXX XXXX reported on my credit report without my knowledge from the credit bureaus. This ground for removal they also violated my rights under 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
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My XXXX account was deleted from my TransUnion report on XX/XX/XXXX for no obvious reason, I requested account verification letter from XXXX and they provided it and I mailed to TransUnion who received it on XX/XX/XXXX and till now no action been taken to add the account on my credit report.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Auto Lenders, Inc. (TX)

I have disputed this several times over the past 2 years and it has not been resolved. It is constantly working against my credit score. I am a business owner and my credit is very important to me. I pay all my bills on time. I have also contacted the creditor and have been told that it will be corrected and it has not.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MO)

Company complaint with Amerihome Mortgage. 

I am selling my house and my payoff statement is off by an excess amount of at least {$2100.00}. I have called in several times and sent several messages to customer service with no response. I need a resolution ASAP! I furloughed my mortgage during Covid last year for 4 months. The PRINCIPLE and interest of the four month furloughed, was added on to the back of the loan as ADDITIONAL principle. The principle of that payment should not have been added in as additional principle. That would be paying the principle twice! The principle of those payments was XXXX ( loan statement provided ). So four months of XXXX is at least {$760.00} of principle furloughed that was added on as additional principle! Also, in 2020, our residential taxes changed from {$4000.00} to {$2300.00}. Our escrow account was at least {$250.00} higher than it should have been for each of the 4 payments, so there is an excess of at least {$1000.00} in escrow that was furloughed that was added on to my principle balance.- to further this, our account last year had an excess amount and we received a refund of only {$120.00} at the end of the year. So the escrow that was held in these payments shouldve been paid back.-I also found it strange that we only were paid back {$120.00} from escrow if our taxes were lowered {$2000.00} ... were did the rest of the escrow overage go? I have provided documents and statements. To show the number that needs to be corrected. The total overage is at least {$2100.00}. The payoff should be at least {$2100.00}. less. We are closing on our home sale on XX/XX/XXXX and I need this payoff statement corrected ASAP!
Consumer complaint received 2021-07-28
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. (GA)

I asked Experian and the other bureaus to investigate my accounts to see if they where all accurate and their investigation resulted in a deletion of XXXX XXXX! Experian mishandled my credit report and need to be handled with. Today I received a alert that the account was updated and added back with no verification at all. Who did they speak with? Who did the deletion? This is effecting my ability to purchase a home and get funding for my XXXX XXXX to create jobs!!! Experian misleading and Mishandling of my credit report is criminal and illegal!!! I will attach documents to support this!!
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Lending Club Corp (TN)

Lost income due to medical emergency, tried to contact lending club, bank and XXXX. Bank and XXXX helped. Lending club seemed to understand for the first two months. I can not find a job, i am a XXXX vet who can not find suitable employment. I am more than qualified and couldnt even get a job at XXXX XXXX. I was hit with two XXXX hangout scams for fake interviews. One was even on XXXX. Ive worked with the DVA and nothing was done. Ive applied to myriad of jobs. I was begging XXXX to help me somehow because I did not know what to do. Now Im getting spam calls, people leaving zodiac breathing voicemails and hanging up. Then I receive a letter from pay XXXX and they now want to get me in contact with the person I owe this debt. I had to change my number. I no longer know who is who anymore. Please help, I am NOT THE ONLY ONE!!!!!!!
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Ive reached out to Chex System in regards to a paid debt XXXX XXXX XXXX and dispute because it was showing incorrect information. I sent in documents and communicated. Now company is saying the will no longer take any dispute from me and should be against the law to keep inaccurate information on my consumer report.
Consumer complaint received 2019-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

RE : Case # XXXX ( JPMORGAN CHASE BANK , NATIONAL ASSOCIATION ) I was refereed to CFPB by Office of the Controller of the Currency regarding the case # above. 
The issue I tried to resolve by contacting directly Chase is about the escrow account my mortgage loan had with them. As you see in the attachment I included in this inquiry my I started writing to them ( after talking to them on the phone ) on XX/XX/XXXX. I sent them a request to cancel the escrow account per State of California law with regards to escrow accounts ( SB-633 Mortgages : impound accounts ). They repeatedly mentioned in their response ( and last time in their response to me on XX/XX/XXXX after I filed the complaint with OCC ) that since escrow account is used to pay for private mortgage insurance of my loan, they can't cancel that. 
Please note that they finally closed my escrow account on XX/XX/XXXX ( letter attached ). This was a few days before refinanced my mortgage loan and moved to another financial institution. However, they did not provide an answer to my inquiry in terms of financial compensation as I wrote to Mr. XXXX XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX. Hypothetically speaking, even if an escrow account was needed for PMI purpose, they were collecting around {$700.00} a month while my loan PMI was only $ XXXX/month ( statement attached for your reference ). 
To help them to understand the situation, I included a breakdown how ~ $ 550/month difference in cash flow can affect someone. 

I would like to ask for your assistance to settle this case with them. 

I appreciate your help. 
Thanks, XXXX XXXX
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, My Names Are XXXX XXXX XXXX. 
I opened a PayPal account and was using it fine until one day, paypal decided to limit my account and demanded some documents. I provided the documents but I received an email later that my account will be limited for 180 days and that afterwards I'll receive an email on getting my funds ( {$300.00} ). 
180 days passed as stated and on XXXX XX/XX/2021, I received an email that my funds are eligible for withdrawal. This is when the problem started. 

I tried to link a XXXX XXXX account for withdrawal but it wasn't possible. I got an error " There's a problem with your account contact us to resolve this ''. I contacted them and on XX/XX/2021 and I got an email that I can now link my XXXX XXXX  account to transfer my funds. I tried again but this time I got an error " Sorry we can't link that bank because it is disabled. Please try a different bank ''. 

I contacted them about this but no valid response. I then tried linking my VISA card that I've been usually using to transfer funds from my PayPal in the past. This I received an error " There's a problem with your account contact us to resolve this ''. I called them about this again but no valid response. 

Therefore, I can neither link my bank nor card to initiate a transfer based on the email they sent on XX/XX/2021 about the availability of my money XXXX {$300.00} XXXX. Please help me get them to allow me link my VISA card or bank to be able to transfer my funds. My PayPal email address is XXXX XXXX
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WA)

Navient I called Navient on XX/XX/XXXX to inquire about making additional payments on my student loan. The rep and I discussed how my payments were being applied and when it would be best to make the payments every month based on accrued interest and such. 1st problem, she told me that my entire payment was going to accrued interest since my accrued interest had not been paid off, which is not true. For the loans that still have accrued interest, the portion of my payment is going to the interest, but the rest of my payment is going towards a mix of principle and interest for the other loans. I ended the call feeling like I got most of the information I needed. 5 days later, I get a notification that Navient was raising my payment by {$140.00} a month. I called in today to figure out what happened, and the gentleman I spoke to said that in the notes it showed that, on XX/XX/XXXX, I had requested to be removed from my income based repayment plan, and because I did n't send in the proper paperwork, they raised my payment to {$440.00} a month where it used to be {$300.00}. At no point during my conversation with the girl on XX/XX/XXXX did I request to be removed from my current payment plan. That request was put in without my consent or my knowledge. The gentleman I spoke to today put a request in to get my payment plan reinstated, so the issue should be resolved, but the rep I spoke to on XX/XX/XXXX made changes to my account without my permission.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$330.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$180.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$82.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$78.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$27000.00} Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$650.00} Account Name XXXXXXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1200.00} Account Name XXXX  Account Number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$73.00}