davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

On XX/XX/XXXX, XXXX, on behalf of LakeView Loan Servicing, paid out {$1700.00} to City of XXXX XXXX for our condos Q4 XX/XX/XXXX taxes. XXXX did not have the correct block/lot/qualifier information so that amount was not paid to correct tax account and did not get applied to our condos tax bill. We immediately contacted them about this error, and in the past fifteen months we have called and emailed the XXXX customer support team multiple times but the issue keeps getting closed in their system with no contact and no resolution. 

When the XX/XX/XXXX tax payment was reported to us by XXXX we called the XXXX   support number to report the mistake as well as to inform them that, as per the mortgage documents, the XX/XX/XXXX taxes were to be paid out of closing costs so the full amount needed to be refunded to our escrow account. We were advised to email their support team with the details so they could correct the block/lot/qualifier information in their system and request the refund. We emailed those details on XX/XX/XXXX and did not hear back. 

We called and emailed a few times in XXXX and early XXXX to ask about status and ensure the tax account information was updated before the XX/XX/XXXX Q1 payment. We were told the case was open and would be resolved before that next tax payment. XX/XX/XXXX Quarter One taxes in the amount of {$1800.00} were paid on XX/XX/XXXX, and were again paid to the wrong tax account. After a couple more phone calls the tax qualifier information was updated in the myLoanCare system, and a refund was requested on XX/XX/XXXX. This was not communicated to us by myLoanCare, we had to contact the City of XXXX XXXX Tax office to find that out. 

In XX/XX/XXXX XXXX XXXX refunded {$1800.00} ( the amount of the XX/XX/XXXX Q1 payment ), but denied the Q4XX/XX/XXXX refund. XXXX 's support team closed the case as a refund was made, but we were not informed until we called back to ask status. We informed them at that time that there was another payment that needed to be refunded and had the case reopened. 

Since then we have contacted XXXX support team over thirty times and are constantly informed that the case has been closed since they received a refund. We have reopened the case each time and are informed the tax department will look into it, only to find the case is again closed with no contact. On multiple calls we have requested they provide us any documentation available about the tax payments and their correspondence with XXXX XXXX requesting a refund so we could ask our real estate lawyer to assist providing proof of overpayment to XXXX XXXX, but it has never been sent to us.
Consumer complaint received 2020-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

XX/XX/2020 I sent {$200.00} using Zelle to XXXX for payment of a XXXX XXXX  from XXXX. I messaged this person on XXXX for a tracking number, but my messages were ignored. I asked for updates each day after that, but no response. Finally, about a week later, when I threatened to open a claim to get my money back since it seemed my purchase was not going to be sent to me, the individual claimed that I was the scammer. They ultimately blocked me and our message exchanges no longer exist. I called XXXX to see how I could get my money back, but I was told that there is nothing that could be done. I would just have to come to terms with losing the money. I was not aware that Zelle did not have some sort of consumer protection and will no longer be using it in the future.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-02-22
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. (NJ)

I SENT IN MY ( IDENTITY AFFDAVIT ) LIKE THEY ASK ME TO TO IN XX/XX/2019 I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA 's. On XX/XX/2019, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Action Collection Service (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

Hello, on or around XX/XX/20, I applied and was approved for an Apple credit card with a credit limit of {$8000.00}. I activated the physical card on or around XX/XX/20. I used the card XX/XX/20 & XX/XX/20. On XX/XX/20 I went to use my card and was declined to my surprise. I had a total balance owing of {$33.00} and a credit limit of {$8000.00}. On XX/XX/20 I opened up support chat ( via text from my XXXX ) with Apple/Goldman Sachs support. I explained my credit card/wallet on my XXXX showed my account as being under review. I was not given any explanation except its being reviewed. I then called Goldman Sachs customer service and asked the same question why my account was being reviewed. I had just opened the the account. I was told they did not know and that they have a separate dept that handles the reviews. I asked to speak with that dept and was told I could not. Someone??? would be in contact with me and apologized for the inconvenience. My account now shows restricted. I called Goldman Sachs customer service on XX/XX/20. Was again told the same thing. I asked to speak with a supervisor. The supervisor said the same thing. Im confused as to how/why I was approved with an {$8000.00} limit. Ive not done or changed anything and my account is restricted. They are approving credit applications upfront and then running credit checks???? I have excellent credit, 0 % DTI, 6 figure income. Absolutely no reason for this. I do not want this suspension to affect my credit rating. If the credit issuer freezes your account, your credit report my indicate a CLS notation to the account-a code that stands for credit line suspended. I am not going to be happy if my credit is affected due to no fault of my own.
Consumer complaint received 2022-12-01
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)

ovewviewing my credit file a lot of information is invalid. I am interested in disputing all of the incorrect information on my credit report with transunion. all information is supposed to be 100 % accurate an its not reported correctly.
Consumer complaint received 2023-03-24
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

XX/XX/2020 I called Equifax@XXXX and spoke with Supervisor XXXX ( that is the only information she would give me ) regarding ( 2 ) fraudulent charges to my Visa Debit card XX/XX/2020 {$4.00} and XX/XX/2020 {$19.00}. I provided my Visa Debit card # and was advised they were " unable to locate any charges to my account '' I offered the Transaction ID # provided by my bank and was advised to contact my bank because they could not locate any charges matching the card # provided. The Officer assisting me took my phone into the room where the person who provided my card information fraudulently was able to verify his SSN, Address, CADL # as well as confirmed other personal identifiers and an account was located and both charges were confirmed by XXXX ( highest supervisor available on a Saturday ) I was advised that Equifax would NOT be giving me a refund as services were provided to the consumer ... again the consumer was not me nor had my authorization or permission to use my Visa card. I was advised that I would need to provide a fax transmittal with my Bank Account Statements in order to " prove the charges to my account '' although verbally she had just confirmed the card #, amount of the transactions and dates with me verbally by phone. I questioned her refusal to reimburse me and was advised that " due to my past relationship with the person who may or may not have used my card # I was liable for the charges '' I requested to speak to someone located in the USA ( I believed we were having communication issues ) and Supervisor XXXX reiterated to me " we will NOT be issuing a refund as we provided services to the consumer '' stating also to " get my money back from my Ex Husband '' My Children and I are currently being relocated through the California Victims Relocation Board due to a pending Criminal Case against the person who falsely used my card information as a way to gain information regarding our location. At that point I advised XXXX I would be filing a complaint here as well as with the Federal Consumer Protection Board as well and it was at that point she hung up on me after wishing me " the best of luck ''
Consumer complaint received 2020-07-29
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: EQUIFAX, INC. (TX)

Names are incorrect : XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX, TX XXXX FTC Violations : XXXX XXXX   XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Open Payment Status Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Monthly Payment {$0.00} XXXX XXXX XXXX Account # XXXX Original Creditor XXXX Company Sold - Account Type COLLECTION Date Opened XXXX XXXX, XXXX Account Status! - Payment Status Seriously past due date / assigned to attorney, collection agency, or credit XXXXXXXX XXXX  XXXX ; XXXX internal collection department Status Updated XXXX XXXX Balance {$770.00} Balance Updated XX/XX/XXXX Original Balance {$770.00}
Consumer complaint received 2022-12-15
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-02-18
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: Experian Information Solutions Inc. (AL)

On XX/XX/2021 I sent documents disputing multiple negative fraud accounts associated with my credit report. Ive sent dispute letters to all three bureaus. Below are the Companies, Account Numbers, and Amount of the disputes I have sent to EXPERIAN, XXXX XXXX XXXX. Also attached below are the letters I mailed to all three bureaus. I would like these removed from my credit as soon as possible. XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX XXXX {$2300.00}
Consumer complaint received 2017-05-31
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. (KY)

There is a withdrawn  Federal tax li en still showing on my report that was withdrawn i n   XXXX   XXXX   2017.  On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS withdrawl form ( which I will also attach here for you ). I have also verified with   XXXX   XXXX  , KY that the lien withdrawal has been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal.  XXXX  removed the lien from my credit report immediately and  XXXX  is investigating
Consumer complaint received 2016-09-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IL)

I notified my Mortgage Company, Freedom Mortgage, on Apr XXXX, 2016, that XXXX of my parcels taxes had not been paid from my escrow account. They ended up only paying for XXXX of them. Now my taxes have been sold at tax sale in XXXX 2016, and I have started the process of redeeming them myself. I have notified them, but I only get a boilerplate response that they have received my communication. This is not acceptable.
Consumer complaint received 2020-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated (CA)

Hello, I am attempting to lodge a complaint against debt collectors and law firms who work in conjunction to pressure and threaten individuals by suing them in State Civil court ( California ). They have created their own industry, to enrich themselves and prey on citizens who can afford no real defense for themselves, and I am including myself. By suing them in state court as apposed to Small Claims court. They create an environment in which the defendants have no previous experience or knowledge and therefore are prevented from offering any real defense for themselves. 
These collection agencies, which are mostly paying pennies on the dollar for these outstanding loans, then turn around and demand a repayment of at least 70 %. Which should be construed as illegal Usury. I am talking about thousands of suits brought to court every week in the state of California. 
The plaintiffs attorney ( who was a paid litigate stand-in for most of the firms who were due in court that day ) explained to me afterward how terrible this practice was and that it had been going on for at least 8 years.
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (CA)

I am receiving repeated phone calls from a company called FBCS Inc. who is calling me from XXXX different phone numbers who have been calling me repeatedly. I have received and have record of XXXX calls since XXXX XXXX, 2016. I have answered the calls and no-one is there and the phone hangs up. I have called back and the recording identifies the caller as FBCS Inc. which is some kind of debt collector. I do not have any debt and feel these calls are harassing as they are calling my business phone.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (OH)

BMO Harris began charging a monthly {$12.00} fee to my checking account for having too low of a balance, after years of the account having no fees, and without any notice, as required. Eventually these fees totaled {$210.00}, or 44 % of the balance of my account. 

Because this was an account I no longer use regularly, I only discovered these fees a few days ago. The fees began in XX/XX/2019, and continued monthly until now. I was shocked to see my account balance drop from {$480.00} to {$270.00}, when I wasn't even overdrafting. The bank was simply holding onto my money.
Consumer complaint received 2016-04-11
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BMO Bank, N.A. (WI)

A online application was submitted along with all the pertinent documents. The processor XXXX XXXX left her position and stopped responding the emails and requests for updates on the status of the mortgage. I applied online for this loan on via their website On XXXX they mailed a packet of documents to sign as well as a list of the items needed in order to review the loan. I emailed her with all the information requested and she had full documentation in her hands in a timely manner. These are the dates of the emails ... .. XXXX, XXXX, XXXX, twice on XXXX, XXXX, XXXX, XXXX, XXXX, 4 times on XXXX, XXXX, XXXX and XXXX. There are so many emails because I kept requesting verification that she had everything she needed. She did not respond until XXXX at which time she finally responded and advised me that she switched to a new position and would get back to me " by the close of business '' that day with the new processor/loan officer information. I never heard from her again. I then called BMO and asked to speak to her boss. I was advised it was XXXX XXXX which I spoke to on XXXX. She advised that she was her " new '' boss but she would have her get back to me with the name of new processor. No call was received I even said she could respond via email but have n't received any response. I called again today XXXX and was now told that well too bad it does n't really matter because now the application is expired and we will have to submit a new application. Neither XXXX or XXXX apologized for the way this was mishandled not to mention that they did not adhere to the CFPB rules as far as time to complete the review of the application as well as notifying me of the approval or denial etc .... I have all my phone records and emails. No calls or letters were received from BMO other than a letter from XXXX at which point all the additional documentation was provided. I have proof in my emails that they had everything they needed on time to make a decision regarding approval or denial of the loan. XXXX dropped the ball and the entire loan file and now XXXX her new boss is backing her this is very disturbing. I have yet to be provided the information that XXXX was going to provide me with on XXXX which was the new processor. Now that they let the time expires they expect me to start all over and reapply. I still have not received a loan denial letter if that was the case I was only told so today because of the length of time. If I did n't call today I would have no idea I would need to reapply. I did advise them I would be filing this complaint.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CT)

Chexsystem is reporting, negative bank information on my account. I have been in the XXXX data breach and a couple other breach. Chexsystem is making it impossible for me to get a loan for my business because they are reporting, charge off, collection, inquiry, bad check, charge off check accounts, and identify theft account for auto loans, ( XXXX XXXX and XXXX ). Chexsystem completely distraught my chances to get approval for loan and I am on the brink of been homeless.
Consumer complaint received 2016-11-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: RFNA, LP (TN)

I have been forced into bankruptcy. I notified Republic Finance, with a letter and my attorney 's information. The XXXX Tennessee office is the one that has been calling me they are located on XXXX, TN XXXX. They have been calling me and sending me letters. The last phone call, they threatened me.