davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I started a REFI with lakeview service LLC in XXXX of XXXX. That took until XXXX and the company rep told me that I would receive a check for {$340.00}. That did not happen. Had to rework the loan. It was finally completed in XXXX of XXXX. This process with phone calls took about 45 hrs on the phone. Not good. 
In first part of XXXX I changed homeowners insurance. I gave them all of the info including policy number and add. for the New insurance and I was told that it will be taken care of because my old policy stopped on the XXXX th XXXX. In early XXXX I received a check for the old insurance company. I then called lakeview service insurance division and was told to send the check and to put a note on it FOR ESCROW ONLY in which case I did. I called them back in mid XXXX ( XXXX ) and they put the check on principle and interest. At this time we had 20 hrs on the phone with them. 
Well that was finally taken care of XXXX XX/XX/XXXX and I thought all was ok. Not so. I received another check from the Old insurance company in which case I put that check in my savings account. I recalled Lakeview insurance division and complaind and then they sent the check to the Current insurance company and the insurance was paid. Now it gets NUTS. I then called escrow at lakeview service and was told that I owed {$1800.00} for insurance.. Again not so. I explained that I needed to send them a check for the insurance and they said your insurance was paid, then I was transfered to insurance. Guess what. They said all is well and dont need to send any more money to lakeview all is taken care of. Again not so. We have been trying to send the money to lakeview for the escrow. They wont take it. I have over 45HRS of phone calls. I just sent a letter to the president of lakeview and it was received on saturday XX/XX/XXXX. Still have not herd from them. I need help to get this resolved. No one at lakeview service understands anything. I am a veteran and XXXX. I want to make this right but I cant because every one at lakeview has no idea was is going on. I now have 70hrs on the phone with lakeview service in every department. I feel at this time they need to " let go '' all of those people and start over with someone that KNOWS what is going on.
Consumer complaint received 2019-06-04
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I requested USAA XXXX a cashiers/official check to a realtor for a rental agreement. The funds in excess of {$2000.00} were immediately withdrawn from my account and the check was sent to the realtor. When the realtor attempted to deposit the check 14 days later, the check bounced at their local bank. I have spoken to USAA multiple times without resolution and they have not refunded the funds to my checking account. USAA confirmed that they issued the check and canceled the check the next day without any reason or explanation. Still no refund.
Consumer complaint received 2018-07-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and XXXX XXXX. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. 

Example of discrepancies. 
On one set of customer account activity statements received XX/XX/XXXX, there are two fees applied on XX/XX/XXXX of {$730.00} for : a. One fee is for Hazard Insurance b. The other fee is for Escrow advance On the other set of customer account activity statements received XX/XX/XXXX, there is only one fee applied on XX/XX/XXXX of {$730.00} for : a. Hazard Insurance Dispersement There are also several {$25.00} fees listed on the customer account activity statements received on XX/XX/XXXX that are not reflected in the customer account activity statements received on XX/XX/XXXX. 

I will be taking legal action on this matter. You can also see a copy of some of the discrepancies attached. This issue goes back years.
Consumer complaint received 2022-09-14
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: DISCOVER BANK (FL)

I have contacted all three credit bureau over 11 times for the last 6 years to have this information removed, provided police reports statement and no assistance. 

Contacted both credit bureau and companies reporting the accounts and nothing has been done in 6 years to fix this issue after providing documents both companies requested. 

XXXX XXXX XXXX, XXXX XXXX {$2500.00} original balance {$33000.00} ( I do not have an account number ) this is fraud account Date opened XX/XX/2016 XXXX XXXX XXXX XXXX Balance {$2000.00} ( I do not have an account number ) this is fraud account Date opened XXXX XXXX Discover bank Balance {$1000.00} ( I do not have an account number ) this is fraud account Date opened XX/XX/2016 2016
Consumer complaint received 2019-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have not had a credit card for 20 yrs with Capital One. The one I had then I filed bankruptcy on because of their collection practices and late fees and over the limit fees. I was granted that in XXXX. They claim I have opened an account on XX/XX/XXXX ( 2 yrs, 4 mos ago ). The balance showing on my credit report is {$390.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX. Original company CAPITAL ONE N A. I have called XXXX XXXX Seversal times. The last time the women said there were 2 pmts made. She said NO ONE COMMITS FRAUD AND MAKES PAYMENTS. Then she laughed. Today I got a letter in the mail giving me 30 days to dispute this letter. I am getting nowhere.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

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, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have disputed this account over 30 times provided documentation- theft report, police reports. Also requested a signed contract with a wry signature Only as validation. I keep being sent print out of bills which is Bot the requested validation as stated by the FDCPA - I also have my receipt from my certified letter accepted with my theft report & letter XX/XX/2020. And this information still hasnt been removed from my credit. This is a fraudulent account & I have no knowledge of any contract with Portfolio Recovery or its client.
Consumer complaint received 2017-06-08
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. (TX)

Equifax has refused to properly investigate   XXXX   ( a collection company ) that has erroneously ( with malice ) reported the same debt, twice, as a new collection item. The double-reporting of this collection item is fraudulent. This company has also refused to submit documentation showing date of first delinquency.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (OH)

The company contacted me and I told them the debt wasn't mine that my mom used an account in my name and has since passed but I would be willing to pay the debt so it wouldn't end up on my credit report, that was maybe a month or so ago and they never contacted me back Around probably XX/XX/22 the collection ends up on my credit report so I had to dispute the matter with the credit bureaus On XX/XX/22 I received an email from them still trying to collect the debt and I emailed them and told them the original creditor has been paid and to remove the collection from my credit report The original creditor is XXXX XXXX XXXX XXXX  ), and the confirmation number for the payment is # XXXX
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter out on XX/XX/2022 to XXXX. Here is my tracking Number : XXXX. However, the credit bureaus said they completed an investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. 

I would like to know who did they speak with. 

How did they complete this investigation?
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Early in XXXX I was ready to make my XXXX payment. When I went to do so my payment had increased in excess of XXXX XXXX a year. After numerous calls over several weeks and and a runaround I was finely able to find out it was an escrow increase? I paid the additional escrow in addition a few XXXX extra to accommodate the additional few XXXX that was still added. I have yet to receive any explanation for the additional money my mortgage has been altered without notification or description. Furthermore my loan document its state a specific amount for monthly payments. I also downloaded a program where it appears from XXXX the payment to escrow that have not been made by the company ) the emailed description the are doing nothing other then creating extra interest. Perhaps I am wrong with this but after a month and a half plus and hours with the company with nothing mailed even after requesting on every phone call after every runaround answer documents be mailed to me.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I obtained my experiian credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information Experian has failed to provide me the the requested information indicating a Fair Credit Reporting Act Violation. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately my enquirers to the US Bankruptcy Court confirmed Experian credit bureau never validated or verified these public records on my credit report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-08-23
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: Bridgecrest Acceptance Corporation (CA)

I have forwarded all information to Bridgcrest regarding identity theft and they will not remove or respond, other than saying that I am responsible for the debt and they have proof that this information is unverifiable and is willfully refusing to stop reporting to the credit reporting agencies. They also do not respond with the proof that show I owe this debt. I am going to sue this company the credit reporting agency and CFPB for not acting on this.
Consumer complaint received 2017-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I challenged the incorrect reporting on account number XXXXkhols/ Capital one have failed to report this account correctly after selling this account to a debt buyer.if the account was sold why is this company still reporting me late every month.i can not owe two companies.khols wrote me a letter which shows they sold the account and i have attached a letter that proves they still reporting me after they sold it..i have proof they taking away my rights as a consumer.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Disputed with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account BANK OF AMERICA in the amount of {$3500.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail XXXX  is not responding to my correspondence.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

XXXX/DSNB received payment of {$1200.00} by cashier 's check from my bank ( XXXX XXXX ).

When contacted they denied receiving payment. On subsequent contact on JuneXX/XX/2020 DNSB again denied receiving payment. When informed that I had received a copy of the cashier 's check showing that it hD been deposited on the second of XXXX, the representative told me to fax a copy to them at XXXX ; the representative then said it would take 51 days ( no explaination of the reason or what resolution ). 
The transmission was on XXXX XXXX at XXXX local time. On approximately XX/XX/XXXX I received a letter informing they are unable to process my inquiry. Please contact them at a number on the letter. I did not do that, since this is not an inquiry, it is a statement that they have been financially irresponsible. I am now in receipt of a bill for {$1000.00}, due XX/XX/2020. While I am capable of paying that amount immediately, I believe that they would then have {$2900.00} to clear what was a {$1200.00} amount. 

( As additional information, I had a similar problem with DSNB 's parent bank CITI.  When pressed Citi spent approximately two minutes, and responded the they had a cashier 's check in my name for the amount due. Two weeks later I received a new statement showing that the account ( at Best Buy ) had been paid. )
Consumer complaint received 2018-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have 80 inquiries on my credit report that I did not authorize I have contacted transunion and I also contact the creditors and the inquiries are are still remaining .... Im referring to all the mortgage inquiries ... I was not in the market for a mortgage loan at the time ...
Consumer complaint received 2022-09-14
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)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2023-01-31
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-09-14
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. (TX)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I was a happy American Express customer for 20 years. When I cancelled my card, there must have been a charge ( maybe XXXX XXXX ) in between my final payment and the closing of the account. Frankly, I'm not sure exactly what happened. All I know is I got no mail from them for a while, and then got bills with accumulating fees and interest. I told them repeatedly that I was happy to pay the underlying amount, as I had done forever. I'm not looking to take their money, but I had no idea about the bill and was challenging the interest and penalties. They kept charging it, even after they sent it to a collection agency and refused to talk to me about the charges. The debt collection agency said that they couldn't discuss the charges, but noted that I was challenging them. AmEx still continued to rack up the interest and penalties, month by month into the $ XXXX range for an original charge that I think was well below {$200.00}, I'd guess {$100.00} ( I still don't know! ) .They have attacked my credit score, which had been very good because I pay my bills. What is my next step? I can't even get them to talk to me?