davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OK)

My escrow analysis was completed on XX/XX/XXXX. The Annual Escrow Account Disclosure Statement shows that I am due a refund of {$770.00} and states that the surplus will automatically be mailed within twenty business days. However, I have not received it. I contacted the company ( XXXXXXXX/Lakeview Loan Servicing ) at the beginning of XXXX to check on the status and they claim that the check was mailed but the post office returned it to them. They said they would re-issue the check. I called again on XX/XX/XXXX and once again was told the check would be re-issued and mailed to me. I still did not receive it so I called XX/XX/XXXX and was told by the representative that she spoke to a supervisor and they were going to mail me a check and she gave me a confirmation number of # XXXX and told me to call back in a couple of days to get the tracking number for the mailing. I called back on XX/XX/XXXX and spoke to XXXX and she said she could not find the confirmation number that I was given the last time I called and that it didn't look like a check had been mailed. I asked her to speak to a supervisor about it and she said she did not have the ability to speak to a supervisor but she emailed a supervisor and she assured me that she would call me back the next day. I never did hear back from her. 
I want my escrow refund sent to me as soon as possible and I want a tracking number so I can track the mailing. By law the mortgage company is required to refund my escrow surplus. 
I have had nothing but trouble with this company since they took over my loan. In XXXX they mis-applied a payment and it took me XXXX months to get it corrected. They refused to correct the payment until I filed a complaint with the CFPB. Is there anything that can be done about this mortgage company? 
I want my escrow refund issued, as required by law, and mailed to the property address, which is XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX.
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (NM)

I found that Diversified ( listed as a collection on my credit bureau report is reporting and unpaid debt which they have listed XXXX as the original creditor. The debt is not mine. I never received proper notification that the debt was validated by XXXX XXXX. I never received notice that I have the right to dispute the debt. I never received notice of what it comes from or why Im being billed {$110.00}. I had a long relationship with XXXX and never had any outstanding debts.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

We purchased our house in XXXX, and am up to date on payments. Today XX/XX/2019 ) we received a yellow card in the email addressing my wife, " you have recently closed on this mortgage with [ our  mortgage company ]. We need you to please call us about an important matter regarding this loan. This is time sensitive so please call us at XXXX as soon as possible. 

Mortgage ID # [ number ] '' There is fine print at the bottom that says " All information provided by XXXX, XXXX. Not affiliated with, sponsored by, and loan information not provided by [ our mortgage company. '' This appears to be a scam.
Consumer complaint received 2023-07-14
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-07-14
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-07-14
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. (TX)

I have notice that Transunion is still reporting closed accounts that were removed from collections to close accounts is a violation of 15 U.S.Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Please DELETE all close accounts. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281, SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such, in fact exist.15 U.S.Code 1666b
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

All three credit bureaus are reporting different date of last activity on three inaccurate accounts reporting on my credit report. The account for XXXX acct # XXXX, XXXX XXXX acct # XXXX, and account XXXX  acct # XXXX, are all reporting different DOLA dates. The keep coming back saying it's accurate. How can it be accurate when everyone is showing a different DOLA date for each reporting.
Consumer complaint received 2020-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP (ME)

I used the bill payer service for a US Bank Reliacard on XX/XX/2020 to make a payment to a credit card. I got an error on two separate attempts to pay {$250.00}. Several hours later, one payment went through and the money was out of my account. It never made its way to my credit card. I contacted US Bank about 5 or 6 days later and they said the money wasn't in their system any longer. They told me to contact the credit card provider XXXX XXXX  XXXX XXXX XXXX. I've done that, but it could take 60 days to resolve. Plus I just doubt the issue is on their end.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX - I have never had any dealings with them. We never had a contract. We never had consideration. Why are they associated with my credit report. Why do they have a claim against my credit? Please advise. 

I would also like Transunion to pay me $ XXXX for allowing a false claim to appear on my credit report.
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX 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.
Consumer complaint received 2023-07-26
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 am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the XXXX XXXX XXXX. This account should be corrected : XXXX XXXX XXXX XXXX XXXX : {$360.00}.
Consumer complaint received 2022-04-27
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. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (NJ)

I have had a Wells Fargo checking account for over 30 years and I am Wells Fargo credit card customer for over 3 years. I Have NEVER been late, I NEVER been over my credit card limit. Feel free to check their records. They had notified me of a limit decrease at the end of XXXX, 2021 ( not received until XX/XX/2021 ) which put me within {$180.00} of that new limit and ( over limit possible charges ) that obviously affected my credit score and ALSO came from Wells Fargo - ( I was well below my credit limit before they decided to lower this limit ) and that changed to reflect new charges ( over limit, etc ). Before they changed it, it would have been MUCH more efficient for notification that this new limit would bring me so close to the new limit so that they could change a OVER CHARGE LIMIT CHARGE PRIOR to the subsequent and forthcoming statement date. I called and they said that they thought I was " over-extended '' even though my credit report listed as " paid agreed '' on all of my accounts and they even listed my credit score in that letter as XXXX which I believe is listed as " fair ''. I also explained to them that, at that time, I had paid off one of my cars and two of my credit cards -- so this decrease unbelievable as it stands " Please help me!! Just like everyone else, I am trying to keep my family afloat and am not trying to be a problem of companies ( Wells Fargo specifically ) I do not think they should be permitted to take advantage of those of us who are trying to weather this storm!!
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have had a loan on my townhome since XX/XX/1989. It was sold to Nationstar which became Mr. Cooper. I had a 10 year fixed interest only loan that went to an adjustable amortized rate after that. It also recalculated to a 20 year term. My payment seems high though. 
I have a 2.25 margin on an XXXX district COF. When I look at the XXXX district plus my margin and amortize for 20 years the payment should be lower. I'm trying to figure out how they are calculating. 
I tried to call Mr. Cooper ( Nationstar ) customer service but they didn't know what I was talking about. She said she'd transfer me to the refinance department. I don't want to refinance. The phone line disconnected anyway. 
I want to get in touch with someone there who knows how they are calculating my payment. Obviously a lot of people could be in the same boat as me. If they've been over charging for years this could add up to a lot.
Consumer complaint received 2021-06-10
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: Colony Brands, Inc. (DE)

Hello, Im having discrepancies with XXXX and the creditor Seventh Avenue and I reached out to XXXX by mail due to the fact that there the only credit bureau agency that doesnt have live representative that consumers can speak with, I havent heard any feedback from Experian about my credit report ever since XX/XX/XXXX. I spoke with multiple of live agents multiple times at XXXX all Im being told is lies majorly of the representatives from XXXX doesnt even want to give consumers there name. XXXX went into my credit score constantly changing my score to high to low, over a company called Seventh Avenue that was paid off, I was told by one of there customer service representative that it would be removed from my credit report, Seventh Avenue is reporting it to the credit bureaus as a paid charge off. Seventh Avenue owed XXXX XXXX, I had both of them at the same time before going to a horrible divorce loosing everything, my children I was homeless sleeping inside of the car, I had a few hardships the past couple of years, I paid off XXXX XXXX and I fell a little behind in my XXXX XXXX and got delinquent. Im out of work for getting injured on my job, and still find a way to pay them off, and Seventh Avenue still want remove this account off my credit after being told they would very XXXX people to there cord, its people out here in this world wouldnt care at all and not come back two years to pay there account off, I could of waited to it dropped off my account in XXXX. I need XXXX to stop taking points off my credit score for a creditor I paid off, I have evidence that Im sending over
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/2018 a civil judgement was filed from XXXX XXXX XXXX against me. In XX/XX/2018 the case was dismissed by XXXX Municipal Court. Unfortunately this matter shows up as an eviction on my record even though that is not the end result.
Consumer complaint received 2024-05-14
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 appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issues in a previous letter and FTC & I am including it here again with the new attached FTC report. Ive informed my attorney of my intentions & they are excited to hold you accountable in case of your willful noncompliance : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : {$490.00XXXX XXXX XXXX Balance Owed : {$420.00} NCB ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$420.00} FOCUS XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX FIN ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX FIN ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX FIN ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX FIN ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX XXXX XXXX XXXX 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 XX/XX/XXXX. Please note that you have XXXX business days to REMOVE the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Consumer complaint received 2022-04-27
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. (NJ)

The credit bureaus stated that XXXX XXXXXXXX XXXX account Number XXXX which is currently a charged off account, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and the Dat

e last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instruction. I havent given written permission for this company to furnish this account on my credit report.
Consumer complaint received 2020-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

I recently discovered a discrepancy on my credit report with an outstanding balance that I did not recognized. I called the collection agency ARS at XXXX and I was told that someone in Florida received medical on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX room in XXXX XXXX Florida using my SSN. At the time that the services were rendered, I was and is still living in Virginia. The account numbers that I was given are account # XXXX for {$560.00}, account # XXXX for {$280.00}, account # XXXX for {$280.00} and account # XXXX in the amount of {$290.00}. These charges are fraudulent and they are causing some issues for me. 
Upon the conclusion of my call to the creditor the representative at ARS advised to file a report concerning the matter with the Federal Trade Commission which I did immediately XX/XX/XXXX.
Consumer complaint received 2019-01-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out FINANCIALLY, EMOTIONALLY, MENTALLY AND physically continuously.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent in supporting documentation including ( Consumer dispute letter, my personal information including my drivers license, my ss card, and a bill ) an identity theft affidavit, and a identity theft FTC report ) .via certified mail in which they received these documents on XX/XX/2023. I requested that they block/ remove 2 inaccuracies ( 2 accts from XXXX ) ( one in the amount of {$10000.00} & the other in the amount of {$1300.00} ) on my credit report resulting in identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states these accounts must be removed within 4 business days of receipt. It has been over 30 days. So I am hoping that the CFPB can expedite this process to have them block/remove this from my credit report immediately as this is damaging to me and my credit.