davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

I received a letter ( XX/XX/XXXX ) stating my escrow balance was low and had 2 options. Pay XXXX and have a new monthly payment of {$3100.00} or pay nothing and have a payment of {$3200.00}. I chose to pay the {$790.00} and started sending {$3100.00} every month. 
The {$790.00} was misapplied toward principal and that's when this started. Upon seeing this and the late charge I called the company and was assured. The late charge would be reversed and to keep sending {$3100.00}, which I have been doing. 
But it never gets fixed, meanwhile late charges keep accruing. 
XXXX Called was told the {$790.00} will be applied correctly and late fees will be waived XXXX called and spoke to supervisor XXXX ( # XXXX ) confirmed my new balance and waived late fees. She did finally fix the XX/XX/XXXX called XXXX ( # XXXX ) Same assurances. I even paid {$67.00} to square my account. I regret doing this and think it should be refunded. 
XXXX XXXX ( # XXXX ) Saw XXXX payment was misapplied and promised to fix XX/XX/XXXX - XXXX Said the late fees will be reversed and my XXXX payment would be all set. 

But it is never all set. The late fees keep piling on and my account is never corrected. I've been led on and they won't fix it.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the list of account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681. According to statue 1681A 2a1 of the fair credit reporting act, they are to exclude my transactions. This account ( s ) are in clear violation of my consumer rights by including these transactions. My payments are considered transactions. This is a defamation to my character. 

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Law 15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WV)

I have had a complaint twice on Fifth Third Bank Corp who handled my refinance after Covid.They are again performing illegal bank practices and it needs to stop. I was informed by letter that as of XX/XX/XXXX that they placed a force flood insurance policy on my mortgage # XXXX when I have active coverage and they have verified it. Their rep from the insurance company, a subsidiary of Fifth Third told me she sees my active policy and did not know why this transaction was performed on my mortgage. She had no access to my mortgage so she called the flood insurance department and got no answers, so she started an investigation. I have had two years of private flood coverage and sent proof and it is showing active and they had no right to place this policy in the amount of {$1100.00} in escrow. My payment will be raised for a policy not needed. My current policy is on record at fifth third as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and agin in XX/XX/XXXX. That's how many times I sent it before they recorded it. This issue about drove me crazy in XXXX when my loan was in medigation and refinancing was finalized through Covid Refinanacing. I have a government loan and they had to contact Fifth Third to get it done. Your agency helped as well. It looks like Fifth Third has a SCAM going on mortgage holders with this FAKE INSURANCE and it needs to stop. Please help me and if I can file anything else somewhere else on their harrassing mortgage holders, let me know. I am so tired of being mistreated, Threatened and TALKED DOWN TO. I AM A XXXX CITIZEN and it is not right to be treated, threatened, and harrassed by incompetent bank employees. I worked all my life and retired from the state government and this is wrong. Please help me. PS I finally received a letter from Fifth Third informing me that they do not have the authority or obligation to open an escrow account on my mortgage. They said they could anytime and I protested about a year ago and finally they agreed that they had not right to do that. Now, they have done it again, ILLEGALLY!!!
Consumer complaint received 2020-01-10
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: FACTUAL DATA CORP. (TX)

inquires part of my ftc that i sent already need the inquires to come off the dealership shot my credit all over the place without my permission XXXX XXXX XXXX classic XXXX XXXX XXXX XXXX XXXX XXXX  XXXX twice XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-10
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. (TX)

inquires part of my ftc that i sent already need the inquires to come off the dealership shot my credit all over the place without my permission XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX twice XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I have a debt collection reporting on my credit that does not belong to me. I have no knowledge of the matter nor do I owe any debtors based on the information provided. Under no circumstances have I authorized nor given anyone permission to do so on my behalf. The information being reported appears frivolous and has no merit. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists. I ask that this debt be removed and or deleted promptly.
Consumer complaint received 2021-09-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

Bayview Loan Service is restrained from collecting this alleged debt. I do not have a mortgage. Bayview in Florida State is retrained by court order XXXX. Bayview Loan Servicing is in XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX FL. An Attorney in NY State has been commencing actions againt me wrongly. I do not owe this money. If this continues then Bayview Loan Servicing XXXX XXXX FL is in violation of Supreme court State of New York court order sated XX/XX/XXXX and prior XXXX with XXXX  XXXX another restraining order entered by the court. Attorney XXXX, changed names pleadings captions and continues to commence actions against me when I never had a mortgage and does not represent Bayview Loan Servicing FL. by filings forged notes. I reported 12 forged names, different names and different notes. filed my XXXX wrongly. I duly had this action barred, dismissed with prejudice. 
I demand this New York lawyer honor the restraining order by the supreme court that was entered duly, XX/XX/XXXX and in XXXX. The man flat out lied, created fraud docs. and and 7 YEARS of litigations and me having this alleged mortgage debt barred and restrained more than once, Mr. XXXX attorney after being DENIED a third les penance on my property, wrongly filed with the clerk of XXXX XXXX near XXXX XXXX dollars of liens and mortgages in his name personally using an unsigned order to show cause that was denied to XXXX by the court. 
I want MrXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY is the alleged " bayview Layer '' Bayview told me in XXXX they are restrained by court order, Mr XXXX must be sanctioned or fined, investigated, prosecuted for abusive discovery, fraud upon the court which I did prove of the passed 7 years on motion.
Consumer complaint received 2022-02-20
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. (MD)

I WROTE THE CREDIT REPORTING AGENCY, ADVISING THERE WERE UNUATHORIZED AND UNVERIFIED INQUIRIIES AND ACCORDING TO THE FCRA ( FAIR CREDIT REPORTING ACT ), THESE INQUIRES MUST BE REMOVED. THE CREDIT REPORTING ANGENCY HAS NOT REMOVED THESE INQUIRIES.
Consumer complaint received 2023-04-30
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. (PA)

I, the consumer in this matter, first contacted the Credit Reporting Agency in regards to accounts listed on my consumer credit file, in an attempt to amicably handle this situation, before this goes to court. I noticed that there were multiple erroneous accounts listed, and requested that they send me the method of verification used, my written authorization giving them, the Credit Reporting Agency, to obtain or furnish any of my non public financial information. In reporting this information, the CRA failed multiple requirements of the FCRA, most notably, the requirement of maximum accuracy, and the requirement of necessary consent and permissible purpose. Without consent, the CRA has no authority to furnish any information related to the consumer, and doing so without authority is Aggravated Identity Theft.

This is my final attempt to get this information removed prior to filing a federal lawsuit, as the violation of the FCRA is a federal of law.
Consumer complaint received 2020-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

Common Wealth Financial debt collection did not make any attempt to notify me by phone or mail that I had a debt in their office. With no notice made I was unable to verify or even given a attempt to make a payment if found it was a legit debt. This company just placed a collection debt on my good credit report. The debt in question is a medical bill from a medical service provider named XXXX  XXXX XXXX. XXXX. They are the holders of the original contract for service. This bill among others were included in a lawsuit and had a LOP in place or were negotiated and paid by the law firm representing the case per the signed contract of settlement supplied. As a patient that was unable to take care of himself, I was in a hospital after XXXX surgeries then moved to assisted living facilities and rehab centers for over a year. All mail send to my residence was forwarded to the law firm so they could handle all the bills as there was close to a XXXX dollars worth of them. This debt collection company has violated the law by not offering a opportunity for me to pay the debt or even made me aware of such debt, if it was a outstanding one. The amount this collections company has does not match the amount my lawyers had, shown in the forms after my medical insurance paid.
Consumer complaint received 2023-04-29
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. (GA)

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I contacted XXXX, XXXX, and EXPERIAN on multiple occasions to rectify these illegal transactions on my credit report that i did not authorize nor gave authorization to anyone!! hard inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. 
UNAUTHORIZED ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting 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)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-09-08
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

I placed 4 orders with the merchant for foam slabs using my CHASE credit card. The orders numbers and items received and not received were ; - XXXX ( delivered ) - XXXX ( missing entire order. Six 5 slabs ) - XXXX ( missing four of the 3 slabs ) - XXXX ( delivered ) I contact the merchant several times by phone and online requesting a refund due to not receiving what I ordered. After not being able to resolve the situation, I did a chargeback and explained why to CHASE. I requested a chargeback of {$210.00} for order # XXXX that never arrived and {$170.00} for half of order # XXXX since it was missing half the purchased items. 

CHASE has denied my claim for the {$170.00} although I have provided all the requested information and proof that the merchant defrauded me by stating I received all orders. I have attached the entire dispute history. 

The claim for the {$210.00} is pending but I am sure to win since I was able to show that on the merchant 's own website, it shows I never received it.
Consumer complaint received 2023-05-24
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Malen & Associates, p.c. (NY)

XXXX & XXXX XXXX, XXXX. has engaged in abusive debt collection practices as per 15 U.S.C 1692d-harassment or abuse. There are multiple violations pursuant to this particular XXXX code that XXXX XXXX XXXX XXXX XXXX XXXX  are guilty of, XXXX example is in paragraph 3, " The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) of this title. 

those records can be corroborated by looking up the frivolous lawsuits they filed with no basis other than assumption of an owed debt within the county of XXXX, but i will add in what i can for myself in particular, such things will include the misleading documents filed on behalf on XXXX XXXX XXXX, XXXX which the court was notified of, but ignored, in an attempt to collect a debt unlawfully by misleading the consumer and the court in an attempt to extort money in an organized and almost seemingly criminal manner. 

All info there for this case in particular is fraudulent and deceptive and downright unlawful considering none of that documentation contains a wet ink signature that belongs to me. 
they also did in fact engage in. see attached document that is being used to present itself as a contract, when it is in fact NOT, but a billing statement with an all cap letter name that may appear similar to mine, but it isn't MY name.

In addition to 15 U.S.C 1692d, they ( XXXX XXXX XXXX , P.C . ) are also in violations of 15 U.S.c XXXX practices. see paragraph XXXX which XXXX XXXX debt collector XXXX not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

XXXX XXXX XXXX XXXX XXXX . is in violation of this through a lawsuit they filed on behalf of XXXX XXXX, XXXX by adding on the court fees to the total bill once they unlawfully sought judgement for a debt they DON'T own. 

they are also in violation of 18 U.S. Code 1028A - Aggravated identity theft which states ; Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 


although this list is exhaustive, XXXX XXXX XXXX XXXXXXXX. and XXXX XXXX, XXXX are both in violations of multiple uccs, XXXX ( XXXX ) and XXXX XXXX XXXX sub section XXXX ( a ) is a great example
Consumer complaint received 2023-11-29
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-06
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. (MO)

On XXXXXXXXI sent a letter to XXXX  disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating they verified the item with the US bankruptcy courts ; however on XX/XX/ I sent a letter to the US bankruptcy courts requesting if they can confirm or deny that their office reported a bankruptcy to the credit bureaus, they responded XXXX Please be advised the court has no interaction with any credit bureaus I also went to XXXX XXXX to dispute the item in question and on XXXX XXXX XXXX could not verify the item so they removed the bankruptcy from their database. 

I have sent proof to XXXX  showing that the US bankruptcy courts did not interact with the credit bureaus and that XXXX XXXX deleted the bankruptcy from their database, they were informed that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete the item in which is imploding on my ability to purchase a home and causing me to pay XXXX  of dollars in interest each year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.