davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Request : Removal of Private Mortgage Insurance XXXX XXXX : XXXX XXXX : Purchased house for XXXX due to distressed status of property. Mortgage for XXXXXXXX XXXX XXXX XXXX : Spent XXXX on improvements and general repairs on house Summer XXXX : Loan sold to XXXX XXXX ( d/b/a Lakeview ) XXXX XX/XX/XXXX : Initial request sent to XXXX XXXX via mortgage servicing website for PMI removal ; received auto-generated response same day stating I would hear back in 5-7 business days XXXX XX/XX/XXXX : Still no response, sent email outlining PMI removal request with attached invoices for repairs. Requested appraisal XXXX XX/XX/XXXX : Received call from XXXX XXXX representative, same advised to not email them, a third party appraiser would be contacting me in the next day or two and if I did not answer the phone, they would leave a voicemail. They would be calling to set up an appraisal appointment. XXXX XXXX rep stated house would need to be appraised for at least XXXX to drop PMI removal. Rep stated they could not give a certain timeline, but it was likely to be resolved within a couple of weeks " by the end of XXXX. '' XXXX XX/XX/XXXX : Follow up request for PMI removal through mortgage servicing website. Advised that I have received no follow up it is had been weeks. 
XXXX XX/XX/XXXX : Current mortgage principal is {>= $1,000,000}. XXXX of improvements  completed. No response from mortgage company to date via phone call, website, or email. No appraisal <p> -- -- -- -- -- -- -- -- -- -- -- ---
Consumer complaint received 2020-11-10
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: National Credit Adjusters, LLC (TX)

On XX/XX/2019, National Credit Adjusters ( NCA ) added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus in an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2022-10-19
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: National Credit Adjusters, LLC (GA)

I called XXXX to have them investigate a paid collection account. The company promised to delete the account from my credit report upon payment. I paid the account and it is still reporting. Ive disputed the account multiple times and a thorough investigation has not been done. The account has been deleted from XXXX because they found that it was supposed to be removed. I am asking that XXXX please remove this account.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2019, I tried to renew my membership with Experian Credit for their credit monitoring. At the time, they renewed my service, but charged two credit cards at the same time for {$27.00}. The cards end in XXXX and XXXX. The card ending in XXXX was charged in error. When I call their call center, it keeps disconnecting me. 

There should only be one charge of {$27.00}, not two.
Consumer complaint received 2019-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Hello, I had taken out a HELOC with XXXX XXXX XXXX back in XXXX. Having XXXX kids I needed money for schol tuition, cars, clothes, medical and dental costs ( braces ) etc. So I had been making monthly payments every month without issue ( XXXX or so ) until in XXXX my monthly payment skyrocketed to quadruple that amount, XXXX a month. I called XXXX and was informed that the loan amoritized ( sp ) after 10 years unbeknownst to me. Living from paycheck to paycheck this was essentially a second house payment. I informed XXXX that I had no idea that this would happen when I took out the loan, indeed I would have never took out the loan had I known that. They claimed it was in the fine print. i tried to modify the loan two times, sending documentation of expenses, income etc and they claimed I did make enough money to modify. I lost my job with the federal government in XXXX and claimed Chapter XXXX bankruptcy and the XXXX HELOC was discharged as part of the bankruptcy as well but they said they could still take our house if we defaulted on the HELOC. XXXX XXXX XXXX has since sold my loan to Select Portfolio Services. Please advise if we may obtain any relief as we can not sustain this burden. Thanks in advance for your help in this matter, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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. (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 # XXXX 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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15U.S.C. 1692 b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;
Consumer complaint received 2019-04-28
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. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX XXXX XXXX. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (TX)

The inaccurate account was brought to my attention recently. I have no knowledge where it come from I have never agree, sign or authorized the transaction. I have attached my license for verification. The information reported is incorrect, must be an error and accidently placed on my Credit report.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

Today, XXXX XXXX I found that part of my pay had been garnished by Transworld System. I have not received any phone calls or letters by this company before my wages were garnished. I did owe some money to the XXXX XXXX XXXX XXXX in XXXX but that was charged off and wipe from my credit report in XXXX. Also I was paying my taxes to California at that time and the statues of limitation for a company to sue for a debt is four years in California. right? Today, when I spoke with a company rep from Transworld, he said that they talk to me in XX/XX/XXXX about this debt but I was deployed to XXXX, XXXX with my family. So how did I talk to them while I was overseas. I disputed the charges with the company but the rep said they are still gon na take money from my check each month. Please help me.
Consumer complaint received 2020-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I called Experian ( with whom I have a subscription ). I run that report every day to note changes. The only change on the report from the XXXX to the XXXX of XXXX was the removal of a collection account. Instead of increasing my score or rendering the change ineffectual, my score declined 47 points, with no other reported changes from outside of Experian. 

The information they provide on their website listed " Long Credit History '' for my report as recently as the XXXX of XXXX. The current report ( XXXX ) does not show " Long Credit History ''. I asked them specifically why this was removed and I received no answer, nor did they offer to investigate. Something is very wrong with the service I pay for and which ( because lenders see these reports ), I partially base my financial decisions on. 

When I inquired about this specific issue, they refused to research the matter. 

Either my current reported score is wrong or the reported score prior to the XXXX of XXXX was wrong, and I deserve an answer as to which. This is a service I've paid for and deserve a proper investigation and answers.
Consumer complaint received 2020-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I sent a letter regarding an inaccurate bankruptcy listed on my credit report. I have been going back and forth with the 3 major credit bureaus TRANSUNION, XX/XX/XXXX, XX/XX/XXXX for several months now. I have sent in an FTC report, a letter from the bankruptcy court stating they don't report this information, letter after letter, and the bankruptcy still has not been thoroughly investigated or verified. The credit bureaus stated that they have verified the bankruptcy with XXXX XXXX and XXXX XXXX sent me a letter stating the the bankruptcy has been deleted from their system because it didnt belong there in the first place. So the credit bureaus are blantantly lying and not investigating anything and I would like this bankruptcy DELETED from my credit report IMMEDIATELY! I WILL FILE FOR LITIGATION DUE TO THE STRESS THIS IS CAUSING. MY INFORMATION WAS ALSO IMPACTED BY THE XX/XX/XXXX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-11-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (LA)

My account met maturity on XX/XX/XXXX. Due to a program for XXXX relief, there was a large balance due. An employee with Prosper called with a plan to pay down the balance and avoiding any negative information sent to the credit bureaus. I agree and set up 4 monthly payments to settle the balance paid on by a certain date in order to keep the account current, allowing no negative information to be submitted. 
The next day another employee with Prosper called with an option to settle the account in XXXX payment instead of the agreed upon plan the day before. I told the Prosper employee I rather keep what I agreed to. 
After making XXXX of the XXXX payments as scheduled, auto bank transfers, I get an alert from my credit monitoring service that I was 60 days behind. This must be a mistake, I called Prosper about this and was told they were at fault for by a mistake made by them and that the terms I agreed to were null and void and that they would not remove the negative reporting. Prosper acknowledges they made multiple mistakes, including offering me a refund of my payments and still refuse to fix the problem that they have caused. I have called multiple time today on XX/XX/XXXX only to be purposely disconnected while on hold to speak to someone.
Consumer complaint received 2018-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

I don't know where else to turn. There is some company named XXXX XXXX reporting on my credit file and I have no idea who this company is. I never took a loan out or singed and agreement with this company. I don't know what this is and never received anything from them.
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I got a card with Synchrony Bank for XXXX XXXX in XXXX. I put {$40.00} on the card and immediately tried to pay it off, scheduling it for the bills due date, XX/XX/XXXX. Despite having enough money in my checking account, the payment was never even completed. I was never notified that that didnt go through and then I purchased about {$80.00} worth of clothes, not knowing my balance wasnt paid and then when my XXXX bill rolled around, I was notified from XXXX XXXX that my credit score went down over 120 points and that my balance was over {$100.00}. I immediately went to pay it and the late fee which made my balance {$160.00}. Days went by and I decided to log in to make sure payment went through, it did not. I, again was never notified when I should have been. So I did the live chat and they said they would remove the fee because I had proof it was not my fault. So a few days ago I made a payment for my total balance of {$130.00} and it is saying my payment is completed and processed but the money is still in my account and it is saying my card still has a balance. I want no more parts of this bank.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (TX)

On XX/XX/2022 I was alerted by XXXX XXXX that a hard inquiry was made using my credit profile. The inquiry was made by XXXX  / Avant LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I called Avant LLC at ( XXXX ) XXXX and gave them my name and social and they told me that someone had applied for a credit card and was approved. 

I asked them for the address and all information associated with the account. They refused to provide any information to me. 

I requested that they immediately cancel the credit card and send me written confirmation via email that the account was in fact canceled. They refused. 

I informed them that thy were knowingly participating in a fraudulent act. They told me there was nothing they could do. 

I asked to speak to someone in their Fraud department. They told me that someone would contact me. No one has contacted me. At this point it would appear that someone has stolen my identity and that Avant LLC is complicit in this act. There should be serious consequences for a company to participate in fraud. 

They refuse to provide any information regarding this fraudulent activity. Per XXXX, a supervisor in Credit Cards, who refuses to provide any further any identifying information. 

Thank you.
Consumer complaint received 2020-11-10
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: EQUIFAX, INC. (TX)

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 XX/XX/XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX {$22000.00} XX/XX/XXXX XXXX {$17000.00} JXX/XX/XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$5000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2019-04-28
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)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2018-02-24
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: Byrider Franchising, LLC (IL)

XXXX and this company " XXXX  XXXX " both are reporting a fraudulent account on my credit report that doesn't belong to me as a result of identity theft. I tried disputing it multiple times on XX/XX/XXXX and XX/XX/XXXX with XXXX, and it was verified. Also, I proceeded contacting the company directly on XX/XX/XXXX with the information XXXX and XXXX supplied, and the United States Postal Services returned the letter stating, RETURN TO SENDER/MOVED LEFT NO  ADDRESS/UNABLE TO FORWARD. Therefore, it's no way XXXX  had properly did their job.
Consumer complaint received 2016-12-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received an accerlation letter in the mail. I owe less than 60days on the car. I actually owe XXXX which is one XXXX and one payment of XXXX. I pay the note everytime I get paid and I will make those last XXXX payments like I have setup to do with the lady at the XXXX number. Once the loan is paid in full which will be between XXXX 2017 and XXXX 2017, I would like my paid in full loan paperwork mailed to my home address XXXX, TX XXXX
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello there are a lot of unauthorized inquiries on my XXXX and transunion credit report I tried contacting them and they decline my inquiry they didnt try to help me these unauthorized inquiries are affecting me for Im XXXX! I need them to be removed this is beyond me Thank you
Consumer complaint received 2022-05-13
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. (NY)

in accordance with the fair credit reporting act XXXX  account # XXXX. has violated my rights 15 u.s.c 1681 section 602 A.states i have the right to privacy 15u.s.c 1681 section 604 A section 2 it also states a consumer reportiong agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America, N.A. allows ATM deposits. However, the ATMs chronically misread the numerals on type-written/printed business-format cheques, causing erroneous deposit amounts. The bank then flags these as " potentially fraudulent, '' manually verifies the check amounts, corrects the *single* incorrect cheque, and holds the entire amount of the deposit for up to 10 days. During this time and forever after, BofA removes all my access to digital images of the cheques in dispute. These images are never again available to me via electronic means. I may request USPS mailed hard-copies of the images, but BofA sends illegible " thumbnail '' images of the cheques.

This seems contrived to all the bank to hold my money for its own use, even though the dispute has already been resolved. It seems dishonest and if this practice violates Federal regulations, it should be investigated and prosecuted. 

I have filed a prior complaint related to BofA practices and was unable to answer the one ( required ) follow-up call from them. I have called and left at least five voicemail messages since XX/XX/2022 for the person assigned to my issue ( XXXX XXXX, XXXX, XXXX ). XXXX XXXX XXXX 's voice and name are on the voicemail greeting, but he has not returned any of the calls. I feel this is an attempt by Bank of America to appear to follow the CFPB 's requirements, without actually following up with the customer.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (NC)

Hello there are a lot of unauthorized inquiries on my Equifax and XXXX credit report I tried contacting them and they decline my inquiry they didnt try to help me these unauthorized inquiries are affecting me for Im XXXX! I need them to be removed this is beyond me Thank you
Consumer complaint received 2020-11-10
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: EQUIFAX, INC. (NJ)

On XX/XX/XXXX I went a dealership to finance a car. I expressed to the salesman and also also the finance department that I only wanted to apply to XXXX XX/XX/XXXXand if I wasn't approved to not use my credit for any other banks. THEY LIED and sought after credit to more than XXXXXX/XX/XXXX 
The credit bureaus were suppose to use all of these same date car loan inquiries as one. The following inquiries were not authorized : 1.XXXX XXXX XXXX 2.XX/XX/XXXX- XX/XX/XXXX 3.XX/XX/XXXX XXXX
Consumer complaint received 2022-05-13
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. (MD)

The following Inquiries are not authorised by mtself. 
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