davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IA)

We refinanced with our then current mortgage company ( XXXX ) in XX/XX/2018. At the time we mailed in our XXXX payment ( XX/XX/XXXX it was cashed ) and we closed the refinance on XX/XX/2018 with a sub-company of XXXX   called Lakeview Loan Servicing , LLC. 
Lakeview sent us a statement on XX/XX/18due for XX/XX/18and listed an " unapplied Balance '' of {$430.00} and that our total amount due ( TAD ) was {$530.00}. We made the XXXX payment but on our XX/XX/18 statement the XXXX was listed as an " Unapplied Balance '' and the XXXX was listed on XX/XX/18as " Additional Principal Payment. '' I have contacted Lakeview numerous times to get this XXXX pulled from Principal Only and applied as a Regular Payment but they have delayed the review and have stopped returning my calls. My wife started a CFPB complaint for some additional issues with this company on XX/XX/18 and at that time Lakeview assigned XXXX XXXX to the case. I have left voicemails for him on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no return calls. 
The resolution I want is for Lakeview or XXXX to apply XXXX as a regular payment so that we will stop showing as past due ( since XXXX ). i would also request that any late fees be waived as this was an error on their part ( incorrect statement ) and that our Credit Bureaus be corrected to show as on time payment. 

**Additionally this company uses a robo-dialer to contact customers with a pre-recorded message and there is not an option to speak with a live agent requiring each and every customer to make a call back in to Lakeview .
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My student loans are reported as delinquent in XXXX and XX/XX/2017 and they were not. I received a deferment of payment for a year due to a medical emergency and it doesn't show and has been reported incorrectly. I want it removed and my XXXX score returned.
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

I applied for the American airline card Several weeks later I received an email saying I was approved The card never arrived but a statement did ( $ XXXX yearly fee ) I waited a few more days for the card I then called Barclays and they send out another card I tried to setup a online login and was told I already have an account ( from past credit card I no longer have ) They sent me 4 email that should have had a code to reset my password, but all were blank After several hour on the phone with them I gave up trying to log on and was told that they could just take the {$95.00} from my bank account which I did not feel comfortable with ( not knowing how they had my account number or witch account they had. 
At that point I left town without activating the account, after traveling for several weeks and coming back to work totally slammed. I gave there tech support another try, and got someone that solved the problem with not being able to reset the password. 
At that time I payed the {$95.00} fee and planed on using that card. I made one purchase Til I looked at my credit report and they have trashed my credit for the {$95.00} fee I called Barclays and was told by a manager weather I had the card or not the fee was due and there is nothing they can do about it. 
I have since canceled the card and they said they will refund the {$95.00}
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

I have wellfargo cash wise card since XXXX, my card was damaged so I requested for replace my card in XX/XX/XXXX so I received new card in mail but I never activate this card till today. On dated XX/XX/XXXX I got a text msg from well Fargo fraud alert ( Verify Wells Fargo activity. Card XXXX {$110.00} @ XXXX XXXX # XXXX {$110.00} @ XXXX XXXX # XXXX Reply Y if recognized, or call XXXX. STOP to stop msgs ) .I called up wellfargo so the block this card and they said someone tried but transaction declined. I just want to investigate that how come my non active card use by other. How come this card data skimmed by fraud people.I have called up several time to their fraud department but not a favorable response.
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX 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 an account without my written instructions
Consumer complaint received 2022-03-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (GA)

Due to unfortunate circumstances, ( my grandparents passing away from XXXX and being my sole providers. ) I was desperate and needed help with bills. I do not have a lot of credit to my name and was trying to a loan to help pay for my car insurance. A website took me to BrightLending.com where I was prompted that I was approved for a loan of {$500.00} on XX/XX/2020. I of course unknowingly accepted the loan unaware that the APR rate was 692.2058 % and will be paying 42 payments of {$72.00}. I was charged {$72.00} every Friday out of my check but I realized that every time I paid the {$72.00}, the loan was still in the {$500.00}. I then checked the loan agreement to see the that my rate was so high and at the end of this loan I would have spent {$2900.00} to finish this loan. This loan has caused to me struggle to pay my bills. I have called their customer service and no response. Also previously stated that my rate was 692.2058 %, I read further into my agreement that the fixed rate per year on the loan is 734.0224 %.
Consumer complaint received 2018-05-16
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. (CA)

XXXX XXXX Acct. # XXXX Repeated requests to creditor XXXX XXXX to Validate their Debt have been ignored by said creditor and TransUnion. 

XXXX XXXX can not validate the debt as it belongs to another party with a similar name. 

In late XX/XX/2017I learned that a family member 's credit file and my own had been " Mixed. '' TransUnion did " Split '' the credit files but this account belonging to said family member remains in my credit file with TransUnion. 

This invalidated debt should be removed from my TransUnion Credit File immediately according to the Fair Credit Reporting Act. TransUnion has investiagted, and reinvestigated several times, my repeated requests for ValidatioXXXX of the Debt. TransUnion is or should be aware that the debt is in another parties name and does not belong to me but they refuse to delete their inaccurate reporting. 

I did not open an account with XXXX XXXX, nor did I benefit from goods or services provided by XXXX XXXX.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C/C Financial (FL)

XX/XX/2021 the agreement was signed with Preferred Lease on a purchase for a sofa that is 700 that i got approved for now Preferred lease has posted two credit balances on my report of {$1500.00} on XX/XX/2021 and a new {$1600.00} on XXXX XXXX, 2021 with out any notices that there would be any changes to my balances
Consumer complaint received 2018-12-14
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: Experian Information Solutions Inc. (GA)

I opened a Federal Student Loan to attend College after I completed my Education I became permanently XXXX and could not work. I requested that the lender forbear my account because of my medical situation. The Loan only had my account in forbearance for a short period and even after my continued request for Loan forbearance the servicer reported negative account information to the Credit Reporting Agencies. I have since had my Student Loans completed discharged because of my permanent medical condition however the Prior Federal Loan Servicer continues to report my account negative even though it has even past the 7 year statue of limitation.
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

A fraudulent charge appeared on my statement. I called the credit card company at XXXX XXXX  EST and spoke to XXXX. He wasn't at all helpful. He wanted to me to do things I was not comfortable doing.
Consumer complaint received 2022-03-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION (NV)

In XX/XX/XXXX my husband and I applied to Nevada State Bank for an Equity Line of Credit. The documents were submitted by the branch to their central loan department. Zions Bancorporation issued a XXXX XXXX XXXX XXXX on XX/XX/XXXX, for almost {$200.00} XXXX less than the amount we paid for our home the year before. We were told that the low appraised value was sufficient to approve the amount we requested. All documents requested were submitted quickly. This equity line of credit application remained outstanding until XX/XX/XXXX when we withdrew our application because we were tired of the delays. 

At the end of XX/XX/XXXX, we applied to XXXXXXXX XXXX for an Equity Line of Credit with the same terms and promotional interest rate. They appraised our home at {$130.00} XXXX more than our purchase price which corresponds to the rising market values in our area. Within 3 weeks of our application we were offered a line of credit 150 % higher than the amount we requested. The difference in the treatment from the two banks makes me wonder if other minority applicants are treated in a similar manner as we received from Zions Bancorporation.
Consumer complaint received 2021-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX Opened XX/XX/2021 {$180.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2021 {$1300.00} Original creditor : XXXX XXXX XXXX XXXX Overview
Consumer complaint received 2024-03-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (IN)

I applied and was approved for card.60 days and no correspondence.I had inquired via phone.Received call XX/XX/XXXX for late payment.I informed I had never got card or bill.Also asked not to be called on Sunday.Was told reported lost card and bill was on its way.I received bill on XX/XX/XXXX and got another call on Sunday am XX/XX/XXXX. I explained I had bill and would pay it the following week and no late fees should apply.Home Depot card
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX has incorrectly reported a late payment on an account that they refuse to correct despite numerous attempts to remediate via the local branch and the corporate credit office. I have bank statements from my account and have been provided a payment history from XXXX XXXX which clearly show 2 payments made in XX/XX/XXXX negating the need for a payment in XX/XX/XXXX. Several employees including the branch manager, XXXX XXXX, have agreed that the reporting is inaccurate and have assured me that they will get it corrected yet months upon months continue to go by with NO results. I have filed credit disputes with all 3 bureaus two separate times ( XX/XX/XXXX and XX/XX/XXXX ) and they keep stating the account information is updated yet payment history is still showing a 30 day late payment. 

After the first promise from XXXX XXXX that this would be handled and the ball was dropped I made it clear that I expected it to be handled for certain this time around to which he guaranteed it would be and was confused as to why it wasn't corrected. He then passed the buck to another employee XXXX XXXX who has been in contact with the credit department to get this resolved, all to no avail. I keep getting lip service that someone will handle it and it's not happening. It's been over a month now that I've been promised from XXXX and XXXX that someone will correct the reporting and I have no answer. This is despite the fact that they assured me it would be quicker to have them handle it directly with the credit department rather than going through the credit department myself which I was told had a timeline of 30 days which I made clear was unacceptable considering I'd been trying to have this handled since early XX/XX/XXXX. 

The company is violating credit reporting laws by continuing to report this payment as late. My next step is contacting the Attorney General to get results as this is negatively impacting my credit portfolio.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance. 

XXXX has responded with an update as of XX/XX/XXXX. Document attached.
Consumer complaint received 2023-06-12
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. (OH)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United We Collect, Inc. (FL)

I have sent multiple debt validation letters to United We Collect Inc, formerly known as United Collection Service , Inc . I sent the original debt validation letter on XX/XX/21 and sent a second validation letter on XX/XX/21. I did receive correspondence from United We Collect in the mail. This company has failed to validate this alleged debt. Instead, they sent an itemized list of charges along with a copy of a patient statement from my medical records which I know is a direct violation of Hipaa regulations. United We Collect Inc has violated my Hipaa rights. I've never signed a Hipaa form authorizing them to have access to this information. Please terminate this account and cease all collection activities or I will be forced to take legal action in response to this violation. I have attached the forms that were sent to me for your review.
Consumer complaint received 2018-12-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

I became aware of this debt in XXXX, XXXX and I disputed it. I also filed complaints with the FTC and XXXX. I believe this account may be the result of identity theft. I have taken proper precautions to protect my identity. In my research I also found that the collection agency, Ad Astra Recovery Services, is in violation of the Texas Debt Collection Act by trying to collect and reporting this debt to the credit bureaus since they claim this debt was incurred in XXXX. This is yet another reason I am requesting this be removed immediately from my credit.
Consumer complaint received 2018-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (MA)

Following below on attachments - - My letter to the lawyer XXXX XXXX XXXX is using - XXXX XXXX Letter that found me in favor and that XXXX XXXX XXXX issued credits and agreed to keep it on.

- Email documentation of service not rendered and letter sent to XXXX XXXX XXXX dispute services.

- XXXX XXXX XXXX collection agency letter.
Consumer complaint received 2022-06-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (TX)

Was conditionally approved in XXXX of XXXX  for {$650000.00}. Started house shopping and signed a contract on a house with XXXX XXXX. Put down a XXXX XXXX at the end of XX/XX/2022. There was delays in construction so we could not close until end closing of XXXX. The underwriter that had worked on my file was fired on the XXXX of XXXX, my file was passed through several different underwriters until 2 weeks later they told me I was disqualified from my conditional offer with information available to them since XXXX of XXXX, I provided them with all of my income, employment information and documentation. Their negligence, and intentional deceit has lead to me losing thousands of dollars, becoming temporarily homeless and unable to purchase my home. 


The whole point of conditional approval was to have the peace of mind that the financing was evaluated and accurate information to shop with. 

At most i were anticipating a probable delay due to the build. Had you been notified that the condintional approval was an issue, you could have looked at other options or avoided making an offer all togerher. No one informed you of an issue with the conditional approval until too much time had passed to react effectively. 

The loan Officer helping originate was working off the impression the application was conditionally approved as well. However the processing side prolonged the review almost 2 weeks full of request for documents that mostly had been sent. All after the original processor was terminated for having creating issues with other files.

When asking for feedback and review status you and the loan officer were delayed whole business days in between submitting documentation for review and response. Leading him to work on satisfying other conditions and losing precious time you and XXXX XXXX focused on other potential options.
Consumer complaint received 2018-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had couple transactions that I disputed due to the merchants error and funds being debited out without the merchandise being delivered to me. I've tried to contact the merchants for the first couple months in attempts to resolve the problems myself, however, which did not work out. Thus I disputed the charges that were wrongly debited out of my card. I was told that I was well within my rights to dispute the charges in order to recover the funds. Surprisingly, today I am told that the disputes fell out of the time-frame as I disputed the charges " too late ''. I'm frustrated as I was told that I could dispute the charges within 6 months after the charge is posted. I spoke to claim department agent to get some help but the agent couldn't help either. I've sent a couple faxes but no responds. I can not afford to lose the claims as the charges are more than {$900.00}. The dispute claim numbers are # XXXX, # XXXX, # XXXX. Please reconsider the claims and help me out. 

# XXXX - {$950.00} # XXXX - {$920.00} # XXXX - {$1100.00}
Consumer complaint received 2024-02-08
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. (TX)

Per 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. 

I did not authorize XXXX XXXX XXXX XXXX XXXX nor any Credit Reporting Agency to report any late payments to my report.

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report 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. 

My request is to delete the late payments from my consumer report, being that XXXX, Experian, XXXX, and XXXX is in violation of 15USC 1681. 

XXXX acct # XXXX