davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

My mortgage was sold to a company called Lakeview Loan Servicing LLC. They take out payments for escrow to pay my homeowners insurance and property taxes. Two years in a row they did not pay my property taxes until I received a Notice of Past Due Personal Property Taxes from the XXXX County ( AZ ) Treasurer 's Office. Last year they had to pay a penalty. I am currently on hold with them about this year and have been so for over an hour. They also failed to pay my homeowners insurance until I received a notice of cancellation and called them. Every time I have been assured the problem will not happen again.
Consumer complaint received 2023-03-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected ASAP. Thank you. 
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Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

DIVERSIFIED CONSULTNTS INC CLAIMS I OWED THEM FOR SERVICE I OPEN WITH XXXX XXXX XXXX TWO MONTHS AGO. I DIDNT ANY ACCOUNTS WITH XXXX XXXX XXXX TWO MONTHS AGO. I ASKED THEM TO REMOVE IT
Consumer complaint received 2019-07-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

My complaint is against I C SYSTEM INC account # XXXX. This collection company cashed out a check back in XXXX for the amount of {$490.00} with the condition that the account was going to be removed from al 3 credit bureaus. They chased the checkout but didnt remove collection from all reports. This is a clear violation of the FCRA and legal action is going to be taken in the event that this mentioned company does not remove collection from my reports. Im attaching a copy of the check this company cashed in with written condition of deletion.
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

Approximately in XX/XX/2018 my contract with XXXX had expired. All payments were made and i was no longer in need of starting a new contract. I advised XXXX to cancel all services. XXXX then sent an early cancellation fee to collections
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NJ)

Received two gift cards XXXX XXXX ( {$50.00} & {$100.00} ) for a total of {$150.00}. 
Cards were to be used now, XX/XX/XXXX. The cards were purchased & given in Connecticut. 
Account information is not available & cards have been rejected by local merchants. Called customer care ( XXXX ) where no assistance is available. Specialist could not find account information. No remedy was offered. 
The website ( XXXX ) does not provide any additional method to contact the gift card provider. 
At this moment, US Bank & XXXX have stolen {$150.00} of funds due to me.
Consumer complaint received 2019-09-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I have no idea who LVNV FUNDING LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. LVNV FUNDING LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

I have requested information from LVNV FUNDING LLC via certified mail and they did not respond to my request and no information was provided. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor }  authorized LVNV FUNDING LLC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ LVNV FUNDING LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to LVNV FUNDING LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2019-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KY)

LVNV Funding LLC added an account on my credit report for an alleged debt I do not owe. I have no idea who this company is. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. Their debt collection tactics are deceitful.
Consumer complaint received 2019-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I consolidated all my Navient loans with XXXX XXXX in XX/XX/XXXX. I received an invoice from Navient in XX/XX/XXXX and contacted them. I called XXXX XXXX agnet and got both company on athree way call, during the call I was told it was an error and it would be corrected. I did not receive any correspondence after the call. Last month while trying to get a loan, i was informed I had an outstanding loan with navient. I have contacted them on numerous occasions to get a resolution to this error but it hasn't been fixed. 

I have attached the loan amount navient claims i borrowed and the factual amount that was listed on the nslds website which shows the full balance of the loan has been paid by XXXX XXXX during the consolidation.
Consumer complaint received 2019-07-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc. (SC)

In XXXX of XXXX, I consolidated my private student loan debt through XXXX XXXX. I believed that I was getting a low fixed rate loan that was better than the private loan I took out at XXXX XXXX XXXX without credit history. The consolidated loan amount was for {$23000.00}. After 5 years of automatic and on-time payments I was sent this message On Mon, XXXX XXXX, XXXX by LendKey : " This is an important message to let you know that as of XX/XX/XXXX, XXXX XXXX will no longer be the servicer of your student loans ( s ) referenced in the attached letter. Effective on that date, LendKey will take over the servicing of your private student loan ( s ). '' Then on Thu, XX/XX/XXXX I was informed of this : " We are writing to inform you that after reviewing your loan we determined that your monthly loan payments had not yet been recalculated to reflect the quarterly changes of your variable interest rate loan. As you are likely aware, your variable interest rate is based on the 3-month XXXX XXXX Offered Rate ( XXXX ) index. Since XXXX of XXXX, this index has increased by approximately 0.77 % to its current value of 1.38 % ( as of XX/XX/XXXX ). '' My loan amount has increased significantly each quarter, so I have made very aggressive payments. In fact, so aggressive that I am actually have set to have paid off my full loan balance ; however, LendKey has an 8 BUSINESS DAY payment policy so every time I submit a payment, it takes nearly 2 weeks to clear the payment, charging me nearly 2 weeks of interest at this high rate. When I call Lendkey to try to make payments, they can't even tell me my remaining loan balance while a previous payment is " processing. '' My car payments and mortgage and many other lenders seem to process payments next day. I believe this payment delay should be regulated as it's clearly intentional and hurting people like me. I don't know why my rate switched from fixed to variable when my loan servicer changed, but I do know that I shouldn't be charged interest for 2 weeks when my lender won't let me pay my debt.
Consumer complaint received 2024-04-08
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to file a formal complaint regarding a significant security breach and negligence concerning my funds within your association. Recently, my account was compromised due to an unauthorized authentication process allowing access to unknown individuals. This breach ultimately led to the compromise of my funds and personal information. 

Specifically, I have reason to believe that my account with Account XXXX was accessed without my authorization. The authentication process seems to have been flawed, allowing unauthorized persons to gain entry. Consequently, my account security was compromised, resulting in a breach and potential misuse of funds.i also have filled several disputes that were issued and not resolved I informed them I hadn't received numerous cards sent to unauthorized locations not on my behalf I urge you to investigate this matter thoroughly and promptly. It is critical to assess the security measures and authentication protocols that failed to safeguard my account. Additionally, I request a comprehensive review of your procedures to prevent similar incidents in the future and to ensure the security and privacy of all account holders. 

Please provide me with a detailed response outlining the steps you will take to rectify this situation and to secure my account moving forward. I am also interested in knowing how you plan to compensate for any losses incurred due to this security breach. 

I look forward to your immediate attention to this matter. You can reach me at [ Your Contact Information ] to discuss this issue further. 

Thank you for your prompt action.
Consumer complaint received 2019-07-08
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: Experian Information Solutions Inc. (GA)

I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I have reached out to the FTC and to my local police department and have been doing this on my own behalf. I went and look at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2019-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I have reached out to the FTC and to my local police department and have been doing this on my own behalf. I went and look at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX   XXXX and XXXX XXXX XXXX.
Consumer complaint received 2019-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

Preferred Collection & Management have owing them {$160.00}, {$100.00} & {$53.00} respectively, supposedly for medical bills damaging my credit report file. I contacted them and explained that this account does not belong to me. I am a Veteran who is 100 % XXXX. The Department of Veteran Affairs ( VA ) pays 100 % of my Medical Bills & Medicine. 
However, still, On XX/XX/2019, I contacted XXXX XXXX XXXX XXXX, Billings at ( XXXX ) XXXX XXXX who told me that I owe nothing. I have a Balance of {$0.00}!
Consumer complaint received 2019-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ADP, LLC (TN)

I just received a letter saying that my wages were going to be garnished due to a court judgement. No one notified me about the court case so I wasn't able to defend myself. I didn't even know this was going to court. The company on the letterhead is ADP , LLC. The Attorney is XXXXXXXX XXXX  XXXX XXXX and it says I owe money to XXXX XXXX. They sent a letter to my employer to garnish my wages and I don't even know what this debt was about and didn't know they took it to court.
Consumer complaint received 2022-03-22
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)

The below accounts do not belong to me and they are effecting my credit negatively. I have listed all the info I have about the accounts. 
XXXX XXXX account # XXXX Balance {$220.00} XXXX XXXX account # XXXX Balance {$87.00} XXXX  XXXX XXXX account # XXXX Open XX/XX/2019 Balance {$0.00} XXXX  XXXX XXXX account # XXXX opened XX/XX/2019 Balance {$0.00}
Consumer complaint received 2019-07-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (TX)

I spoke to KIA in XX/XX/XXXX about my account. I have been unable to work since XX/XX/XXXX, I receive 60 % of my salary. I had to place six to ten payment to the end of my car loan since XX/XX/XXXX. I spoke with them around XX/XX/XXXX. I explained I could not payoff this loan XX/XX/XXXX. They said I could keep making the monthly payment until it is paid off. Now I get a letter saying I am 48 days pass due as of XX/XX/XXXX. I wanted the due dated extended till the total payoff of XX/XX/XXXX. I had to take a double look and see they sent a default notice to me anyway. I owe {$700.00} I called twice to get help, all they kept saying was pay now, pay now. I felt such pressure I said I would pay {$100.00} by XX/XX/XXXX. However the clock keeps ticking and they are reporting me late on my credit report. I get paid once a month on the XX/XX/XXXX, Please can you help me.I already got beat by KIA selling me a fraud type car warranty. I also want add the KIA warranty to this complaint. Never used it, never asked for it, they added the {$3000.00} to my loan
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

I am a victim of identity theft. I sent in to the credit bureau a copy of my identity theft report, police report and a letter detailing the fraudulent items that I requested to be blocked from reporting on my report. Some items were blocked, however, not all of them listed in my letter and in the police report were. There is a fraudulent account with XXXX XXXX and a bankruptcy that is being reported in error on my report. I have never filed bankruptcy, nor have I had an account with XXXX XXXX. I contacted the court directly and was told that they do not report to credit bureaus and that I would have to deal directly with Equifax , as the other credit bureaus blocked the fraudulent reporting. Upon contacting Equifax , I was told that they verified the accounts and will continue to report them. How can they verify them with the court, if the court does not report to them or communicate with them? I do n't understand why Equifax insists on reporting fraudulent information at my expense.
Consumer complaint received 2023-03-21
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. (VA)

I compared my credit report across all reporting agencies, not something I have ever done in all my life. I am glad I did. I find out almost 99 % of the records I have listed across the agencies conflicts in dates. Many dates. I noticed balances and statuses are mismatching. I noticed payment dates are not not identical across all the agencies. To make it worst my name, address and workplace are incorrect. Its amazing taken into consideration the effects on the livelihood of person credit reporting has. 

I have taken the liberty to attach a recent credit report comparing all 3 agencies. All discrepancies have been highlighted for you to easily see. Fair warning you will notice an amazing glow of yellow. See for yourself. 

I have reached out to all the agencies multiple times to dispute and validate items, they return unchanged. This is too huge for me to handle on my own. Something to this extend is not something I know how to do or attack. So many discrepancies it is not fair to me. I am very effected and it is conflicting information. I was recommended to reach out and explain my case. I know it is intensive but I hope you can help.
Consumer complaint received 2018-05-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Integrated Recovery Services (VA)

This is a payday loan, I was told by a lawyer that is illegal in Virginia and not to pay this. 

They have been calling multiple family members and now have called my father telling him it was a loan that we were paying and had a small amount remaining that we need to take care of. And it wasn't much but we needed to do this. 

They are also calling me and my wife 3-4 times a day.
Consumer complaint received 2023-03-21
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. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  EXPERIAN XXXXXXXX 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 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Amsher Collection Services, Inc. (FL)

Old medical bill still showing on my credit report.This is over 5 years old and by law should not be on my credit report anymore. This is a violation of my consumer rights and is preventing me from buying a home and I want it removed from all 3 credit bureaus immediately. 
Original creditor is XXXX XXXX {$50.00} Amsher Collection Services XXXX XXXX XXXX. XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX This bill is prior to 2014 and should not be on my report.
Consumer complaint received 2019-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

XXXX XXXX XXXX told XXXX XXXX a false statement said unauthorized transaction get me Owe {$4000.00} to Discover. I can not afford to pay {$4000.00} XXXX XXXX was doing XXXX with XXXX for two months but I'm going to defend discover and my credit report I got proof that XXXX XXXX is doing bank fraud