davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

LET ME START BY SAYING XXXXLakeview has the worst customer service ever!!! Just read the customer reviews or complaints online!!! I was hung up on and treated with disrespect. I was on the phone for hours on hold and explaining my issues, being transferred to escalation and repeating my issues and getting the same poor service. In a nutshell, my taxes got messed up with the county so my escrow was running short each month, I sent in my mortgage payments. They, however, keep saying I'm late and its in forbearance. It is not in forbearance I have made over XXXX timely payments of XXXX sense going out of forbearance!! So when I made XXXX payments of XXXX in XXXX  month the e-checks had the month and dates on the e-check for the months the payments were due for. XXXX took one of the XXXX dollar payments and put it in my escrow instead of making my monthly payment. Therefore making me late in the month of XX/XX/XXXX '. That e-check should not have been cashed for anything but what it was intended for, that being my mortgage payment!!! So as a result XXXX sent in a late payment status to my credit bureau bringing my XXXX XXXX down over XXXX. This also was told to me by XXXX it would be removed and taken off my credit, it is not!!! Lastly Loancare/Lakeview knows XXXX am trying to refinance my mortgage with another company and I feel they are not doing what they promised to myself to keep my mortgage with them. My last recourse will be to turn this over to my attorney XXXX XXXX Attorney XXXX XXXX. I have all my bank statements to back me up for each and every payment I have made on time to XXXX!!! My bank statements will show I am correct and all this nonsense should be cleared up!! Thanks to all this I have lost the interest rate I had locked in and my application has expired for my refinance!! This in i'ts self will be a law suit. I would also like to add My mortgage payment is not even XXXX a month it is XXXX so I am over paying on it each month. The last XXXX persons that said they would fix the problems are XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX BOTH HAVE NEVER GOT BACK TO ME EITHER!!! SIGNED A VERY UPSET CUSTOMER AND I HIGHLY RECOMMEND CONSUMERS DO BUSINESS ELSEWHERE!!!! THIS COMPANY STINKS!!!!!!!
Consumer complaint received 2022-03-17
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. (NY)

This account shouldnt be reporting late on my credit report as per the laws listed above, both them and youre agency are in violation and if they refuse to remove this late payment I demand the account be removed from my account entirely. Furthermore, Under 15 U.S. Code 1681e ( b ) Accuracy of report ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual in whom the report relates. Several laws are being broken in regards to my credit report and grounds for me to seek legal action. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must either remove or update the account so its are reporting correctly. Thanks for your help with this matter.
Consumer complaint received 2022-03-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

My father, purchased land under the Texas Veterans Land Act. My father passed in XXXX and I, his son, continued to pay the loan. I recently paid off the loan and my last check, {XXXX}, was refunded to me, but in my fathers name. I called Dovenmuehle Mortage and explain I was unable to cash the check and asked them to remit the check in my name. I submitted all pertinent information they requested and have made numerous calls to update my request. Initial call was made XX/XX/XXXX. My last call was today, XXXX XX/XX/XXXX. I keep getting redirected and have received no satisfactory answer or check. I have also filed complaints with the Texas Attorney Generals Office and Savings & Mortgage.
Consumer complaint received 2022-03-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect (IL)

I sent a debt validation letter to Americollect for a medical bill I did not recognize. They replied with the original bill. However, that bill had a list of procedures and other medical information. This is a clear violation of my HIPAA rights. I did not authorize them to have access to this personal information. In accordance with the law, they are now in violation of my legal rights.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

After careful review of my credit report. I noticed multiple unauthorized inquiries on my credit report. I contacted the 3 major credit bureaus such as Experian, XXXX, and XXXX about the problems and even the creditors as well but none of them seem to help out in this process but to give me information how to dispute the inaccuracies. I contacted all parties involved via certified mail asking for validation or verification of these unauthorized inquiries neither party has produced any evidence or documents that I gave my permission to these inquiries. Then I requested that the inquiries be removed from my credit report or that they produce documentation for the inquiries both creditors and CRA 's such as Experian, XXXX, and XXXX but none was able to produced any documents or validated the inquiries. now some creditors I was not able to reach due to not being an account holder with that creditor. Heres a list of the unauthorized inquiries and dates as follows : Experian credit report : 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
Consumer complaint received 2019-08-08
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)

To whom it may concern, I recently reviewed my credit report and I found a charge off account reported by XXXX XXXX  from XX/XX/2014. That Charge Off account is already paid. 
The NY FCRA states in 380-J Prohibited Information ( iv ) That Credit  bureaus are prohibited from reporting accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years. 
Since the Charge off happened in XX/XX/2014 its already passed the 5 year mark and all late payments must be deleted as per NY FCRA laws referenced above. 
I disputed the mark with XXXX, Equifax and XXXX but they did not remove it. ( i believe Equifax first removed it but then it reappeared on my credit report. )
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC XXXX XXXX # XXXX HSBC CXXXX XXXX XXXX # XXXX On XX/XX/2022, I noticed something strange happening to my credit cards. A new credit card ( XXXX XXXX XXXX ) was added to my profile, and whatever charge or payment was posted onto my old credit card ( XXXX XXXX XXXX ) was being posted and adjusted onto the new XXXX XXXX  XXXX. I thought, this is just a system error, and probably, would get resolved in an update, etc. Few days passed, and I contacted HSBC customer service, and after the agent reviewed everything on the account, I was notified that ostensibly on XX/XX/XXXX, a letter was sent out to me, saying that if I no longer satisfy the XXXX relationship requirements, I will be downgraded. I never received that letter, and more importantly, I satisfied the HSBC XXXX requirements through both my HSBC deposit accounts in the US and my linked HSBC XXXX deposit accounts inside XXXX, and then downgrade has occurred by mistake. 
I contacted customer service one more time, on XX/XX/XXXX, and requested my XXXX XXXX XXXX to be upgraded back to XXXX XXXXXXXX, as obviously I satisfy the XXXX requirements, and the system has downgraded me by mistake. I was told by the agent, after a lot of communications with the back office, that I need to " re-apply '' for the XXXX Credit Card and they can not automatically product change again. 

So, essentially, HSBC without proper notice and communication, and by mistake downgraded me to the HSBC XXXX XXXX  XXXX, and it was OK for them to product change me on their own, but now that I am pointing out their mistake, and want my old XXXX Credit Card ( which I paid a {$XXXX} Annual Fee for in XXXX, and did not even get to use it for the full year ), I have to go through a new application, and can not be automatically product changed... 

This is double standards, and absolutely unacceptable. I, hereby, request HSBC bank to product change my HSBC XXXX XXXX XXXX to the HSBC XXXX XXXX XXXX, and give me my old credit card back, which I paid an annual fee for, and was downgraded by mistake, and without proper notice, and communication. 

Thank you. 

XXXX XXXX
Consumer complaint received 2023-09-23
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. (TX)

I sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (CA)

There's an account on my credit report that I've had enough of trying to dispute on my own with no results. Apparently there's a collection agency Vaunce and Huffman LLC, that is reporting on my credit report but has never sent me a single document to notify me of the debt or to respond back to me when I tried to reach out to them myself. I sent them various letters of the past few months which I will include as proof. I was nothing short of nice, respectful and well within my rights to request that they prove to me that they own the debt that are reporting to the credit bureaus and in return, ruining my credit score. I reached out to them on XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (AZ)

Hello, I signed for a XXXX XXXX for my brother, XXXX XXXX. There was a car accident then the car was totaled out ( ruled by the insurance company ) and completely paid in full and in GOOD STANDING due to the XXXX insurance. 

Bank of The West has been refusing to remove this from my account for months even though this situation has been resolved for years. I have proof that it is correct on my brothers credit, but they are refusing to update on my credit. I want it remedied immediately because it is causing issues with me getting future lines of credit for anything my family needs. XXXX
Consumer complaint received 2019-08-08
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: Merchants Adjustment Service, Inc. (FL)

I am a victim of identity theft, my personal information was leaked in a recent breach by XXXX, XXXX XXXX. I noticed several accounts that are reporting that aren't my account along with inquiries. By law i must allow permission for someone to go onto my credit file, which i didn't give. That is breaking the law of FCRA several sections. 
NOTICE OF INTENT TO FILE COMPLAINT Dear Sir/Madam, I am hereby sending you this letter as formal notice of my intent to file a complaint with the Federal Trade Commission ( FTC ). 
I notified you on two separate occasions, that the following account is not mine and needs to be deleted immediately. 
Name of creditor : 1. XXXX XXXX  2. MERCHANTS ADJ SERVICES You have ignored my two previous letters requesting deletion of this account. And it continues to remain in my credit report. The enclosed copies of letters and mailing receipts are proof that you have been delivered by registered mail both a dispute letter, dated XX/XX/2019, as well as a follow-up letter, dated XX/XX/2019. 
By law, you are required to respond to consumers credit report dispute letters within 30 days. Be advised that you are in violation of the Fair Credit Reporting Act, and that the Federal Trade Commission investigates complaints for failure to respond, yet you have failed to comply with these Federal regulations. 
I hereby demand that you immediately remove this account from my report. If you fail to do so, I will file a formal complaint with the Federal Trade Commission. Furthermore, I intend to file a lawsuit in civil court for damages, costs and attorney fees, should you continue in your deliberate disregard for the law. 
I hope that we will be able to resolve this problem, so that no further action will be required. 
Please send me an updated copy of my credit report. Also, send a copy of the revised report to each creditor that has received my credit report within the past six months, or the past two years for employment purposes. 
Sincerely,
Consumer complaint received 2018-07-15
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. (TX)

Correct account status for XXXX XXXX XXXX loan is in good standing and current since XX/XX/2014. This account is not a charge off nor associated with open bankruptcy. XXXX XXXX has confirmed they are not updating an adverse or negative status to any of the 3 credit bureaus.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NE)

I had a fire in my home on XXXX XXXX, 2013 and boy this has been a nightmare for me. The insurance company ( XXXX XXXX ). It appears that these XXXX companies XXXX XXXX and Wells Fargo ) where working together without informing me with everything that was going on. I should have been informed by both companies on exactly what they were doing but I was n't informed until after the fact. XXXX XXXX sent a check to Wells Fargo without informing me of the amount of the check and XXXX XXXX did n't inform me that they had settled on amount in XXXX before sending it out a check in XXXX on the claim. The claim amount was paid with figures on a pay-off quote of what it would be on XXXX XXXX, 2013. This disturbs me because no discussion of the amount was ever discuss. Wells Fargo should have informed us they received this instead of us figuring this out almost four months later. Wells Fargo now is holding the check and also wants to foreclose on my house. These mega banks have to much power to where the little man has no way of surviving in this world. I hope I do n't become homeless because of how these two companies cheat the consumer out of the American Dream. They need to be stop.
Consumer complaint received 2022-03-17
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. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (VT)

I signed up for a free trial account with Google Pay. Before the free trial ended I tried to delete my credit card information from the account. There is no way delete a credit card from the account unless I add another in it's place.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (GA)

I am the victim of identity theft with Suntrust Bank and BB & T. Who are now Truist bank. When trying to open up accounts in XXXX, XXXX for my business I was informed I could not do so. I assumed this was resolved as I have filed an identity theft claim with the police and also the XXXX credit bureaus.
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.