davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I just want to report on my Mortgage company, Lakeview Loan Care. This company is the one I chose for my home loan after the initial purchase of our home. Just recently they disbursed my escrow account for a large amount without even consulting me and getting my permission, meaning my signature. And it was a good thing my wife caught it on time. 

I am very disturbed at white they did to me, I felt hoodwinked and swindled off my money. They disbursed my money without permission and tried to purchase a very expensive Flood insurance, which I already have bought from FEMA. It just made my heart sank that they can do that to me, of my hard earned money. Please do something about this. We called them and they say that it will take 10 days to return my money to my ESCROW. Imagined grabbing my money behind my back, and making me wait for 10 days to return my money to me.
Consumer complaint received 2018-05-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ad Astra Recovery Services Inc (AL)

On XX/XX/XXXX ; I pulled my credit score to find a Collections Account loan from XX/XX/XXXX from XX/XX/XXXX, I do not recall obtaining or show records of receiving any funds from. The account has now been sent to AD ASTRA Recovery Service for Collections. On XX/XX/XXXX, I sent ( via certified mail ) a letter to AD ASTRA Recovery Service, requesting all information of this account. I requested everything that is in the due diligence to send an account into collections ; Actual copy of my signature on the loan agreement, phone call records, mailing records in which they did come in contact with me. I received back ; a typed out loan agreement with my current address on the loan agreement, with a computer generated, typed signature, and a loan payback agreement. In XX/XX/XXXX, when this loan was supposedly obtained I lived in a completely different city & area code ; yet what the " History of Payments '' reflects my current information. I have disputed this with the Collections company to which I was told to Pay or they will continue to report and update the dates so it will stay on my credit report ; I have disputed with the collections agencies that this information was incorrect & supplied them with the paper work I sent in & the letter received back. I also submitted in a copy of the Alabama LAW & LAW CODE about reporting " Payday Loans '' on credit. This account has caused multiple issues personally ; for one I have not been shown the correct paper work that they have to supply, and 2nd, under the state law is not a proper credit reportable account. AD ASTRA RECOVERY SERVICE is a fraudulently reporting & damaging consumers credit reports ; with a blank disregard to the law.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I opened an online checking and savings account with citibank on XX/XX/22. I transferred money from one of my XXXX XXXX XXXX accounts. The next day I went to XXXX to close my accounts except one. I realized I closed the account that the transfer was from. I called Citibank and they told me to go to a branch. XX/XX/22 deposited XXXX and the teller said not to worry about transfer it will just cancel. XX/XX/22 I transferred money from my new savings to new checking XXXX. XX/XX/22 I saw a block on my account and have tried to speak to citibank about it They will not explain and hang up on me. How can I get answers and resolve? I changed all my bills and deposits from XXXX to CITI and now I have no bank.
Consumer complaint received 2018-05-21
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. (IL)

I drafted a letter to Experian on XX/XX/2018 requesting removal of unverified accounts and/or details of the validation of verified accounts which was received by their agent on XX/XX/2018. Experian did NOT respond within the 30 days required under the FCRA which is a direct violation of the law. The response received was postmarked AFTER the 30 days they are allotted by law. I will attach proof of the tracking and their postmarked response.
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (OH)

XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX OH XXXX To Whom It May Concern, The reason for my dispute is HUNTER WARFIELD # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also HUNTER WARFIELD failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 HUNTER WARFIELD failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HUNTER WARFIELD is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HUNTER WARFIELD is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If HUNTER WARFIELD even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.
Consumer complaint received 2022-03-07
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: BMW Financial Services NA, LLC (CA)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW FINANCIAL SERVICES Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (NC)

I HAVE SENT EQUIFAX, XXXX, XXXX & XXXX SEVERAL WRITTEN NOTICE OF DEMANDS WHICH WERE ALL IGNORED. I DID NOT GIVE EQUIFAX WRITTEN CONSENT TO USE OR FURNISH MY INFORMATION TO ANY THIRD PARTIES, AGENCY OR COMPANY. PLEASE SEE ALL DOCUMENTS ATTACHED.
Consumer complaint received 2022-06-20
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: Self Financial Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXSBNASELFLNDR Account # XXXX, has violated my rights. 

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 15 U.S.C 1666B : 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 2018-12-19
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. (GA)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX 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 2022-03-07
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. (CA)

To Who

m It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. US DEPT. OF EDUCATION/XXXX - {$14000.00} Opened - XX/XX/XXXX ( 10 yrs, 3 mos ) Account status - Open Type - Educational The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (CA)

Hello, This debt collection company called AFNI Contact Us XXXX Toll Free XXXX Afni, Inc. 
XXXX XXXX XXXX, XXXX, IL XXXX Manage your Account Online XXXX AFNI keeps calling my number 10 times a day repeatedly almost every half hour from XXXX. Usually the numbers are all from ( XXXX ) area codes. The agents that call me sound like they are all from XXXX or another foreign country. It started this XX/XX/2019-Present. When I answer they agents ask for me and say they are collecting a debt but they wont say what the debt is for and they ask me for my credit card and personal information. I never received any written correspondence from AFNI via email or to my residential address etc. Ive never given them any other important info either but somehow they got my cell phone number and keep harassingly calling me everyday. The fact that AFNI has not given me any documentation on what I supposedly owe over phone or via mail makes me think this debt collection company is a scam. I would like it to stop. Ive told them to stop calling me because they dont give me any info as to what I owe. It seems illegal and they are trying to commit fraud. I could sue them for harassment and take them to court.
Consumer complaint received 2018-12-19
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)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap ..XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2018-05-20
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: Experian Information Solutions Inc. (NY)

I reported over and over through online dispute and actually calling reporting to live person that no accounts open or closed are late no missed payments no account not being paid on time the very opposite also they have 7 hard inquiries only 3 are valid the other 4 are pre approved soft inquiries my credit file is locked still hard inquiries my credit is unlocked same I also put a fraud alert and still hard inquiries are resulting and the companies continue to solicit with very word pre qualified pre approved how could this be that is all 3 b
Consumer complaint received 2018-05-20
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. (NY)

I reported over and over through online dispute and actually calling reporting to live person that no accounts open or closed are late no missed payments no account not being paid on time the very opposite also they have 7 hard inquiries only 3 are valid the other 4 are pre approved soft inquiries my credit file is locked still hard inquiries my credit is unlocked same I also put a fraud alert and still hard inquiries are resulting and the companies continue to solicit with very word pre qualified pre approved how could this be that is all 3 b
Consumer complaint received 2022-03-03
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. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NM)

I am currently attempting to fix my my credit and I requested my credit report from XXXX and it doesn't allow me to retrieve my report. I am wanting to dispute items on my report that i do not recognize as well as items that should have came off already.
Consumer complaint received 2019-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (CA)

I am writing to request your help. My name is XXXX XXXX. My SSN is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. There is an account with US Bank Opened Date : XX/XX/XXXX ; Closed Date : XX/XX/XXXX ; Limit {$3100.00} ; Highest Balance {$4000.00}. US Bank is reporting incorrect information on this account and I want to explain why they are committing multiple violations to the FCRA by doing this. 

I have never been late in my life. This is the first time that a late payment is reported in my credit history. They are reporing a late payment on XX/XX/XXXX. US Bank is being unreasonable because THEY NEVER HAD CALLED OR MAILED A  NOTIFICATION when the payment was late, as required by law. US Bank is committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION.

NEGLIGENCE and UNFAIR BUSINESS PRACTICES, MISSREPORTING LATE PAYMENT are other violations that they are committing under the FCRA, and the list can go on once I sat down with my attorneys. I have a Pending mortgage for {$500000.00} because of this wrong information being reported. I didnt even know about this until my mortgage company denied me the loan. This is affecting me in a huge way ; mentally and physically. 

I am demanding a DELETION LETTER from US Bank. This inaccurate mark must be removed or corrected ; otherwise, I will not have another option but file a law suit for all the violations committed. I hope to solve this through this portal because I really dont want to go to court ; but if I have to do it, I will not hesitate. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with US Bank was due. Proving this was not a money factor or even worst that I wouldnt want to pay.
Consumer complaint received 2018-05-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (CA)

Due to their system being compromised a lot of customers who bought electronic gift cards from the company, PayPal Digital Gifts, lost all the balance from the gift cards they bought. I am an affected individual also. 
Item bought : XXXX XXXX XXXX digital gift card. 
Value : {$50.00}.

Price paid : {$40.00}. 
Order number : XXXX Date of order placed : XX/XX/17. 
Bought from XXXX. 
Sent an email to the company today.
Consumer complaint received 2018-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reported over and over through online dispute and actually calling reporting to live person that no accounts open or closed are late no missed payments no account not being paid on time the very opposite also they have 7 hard inquiries only 3 are valid the other 4 are pre approved soft inquiries my credit file is locked still hard inquiries my credit is unlocked same I also put a fraud alert and still hard inquiries are resulting and the companies continue to solicit with very word pre qualified pre approved how could this be that is all 3 b
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IA)

I have an account with Navient that shows several periods of overdue payments. This is negatively affecting my credit score. It is also incorrect, as the overdue payments were retroactively cured by forbearance. I sent the attached email to Navient. An employee named XXXX XXXX spoke to me on the phone, and stated that Navient is not allowed to change a report once it has been made, even if it is no longer correct. Her position is wrong under the law and under the advisory opinion I cited in the email.
Consumer complaint received 2022-03-07
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. (CA)

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report.

US DEPT. OF EDUCATION/XXXX  - {$14000.00} Opened - XXXX XXXX XXXXXXXX  ( XXXX yrs, XXXX mos ) Account status - Open Type - Educational The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Consumer complaint received 2018-05-20
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (IL)

My car was repossessed by XXXX XXXX  Wednesday, XX/XX/XXXX, due to me being three months behind on payments. I have been sick and dealing with paying bills at the same time. I have asked this company to give me a chance to catch up, with no success. This company for the last year has been harassing me for payments, so I had a cease and desist request put on my account, but I was never informed that my car would be repossessed. XXXX  XXXX  never gave me a chance to retrieve my personal belongings and now l has to come up with {$1500.00} by XX/XX/XXXX to get my car back. I've been met with rude, condescending representatives at all levels trying to resolve this issue. 
The last correspondence I got from XXXX  XXXX  was XX/XX/2018. 
I don't appreciate being treated like a criminal. I've tried my best to keep up with the payments, but this company refuses to work with me. I'm going to file a complaint with the Illinois Attorney General 's office.