davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (MD)

My complaint is in regards to the unprofessional conduct that I received from SN Servicing by XXXX XXXX the account manager handling my account. I have spoken to her on several occasions about my account and each time she has been rude, argumentative, evasive, and refuse to provide me with information regarding my account ( encounter dates XX/XX/2020, XXXX and XX/XX/2020 ). Her unprofessional conduct towards me has been a barrier to me getting pertinent information on my loan ( i.e. mortgage payment information, property tax information, overpayment of property tax info., and property tax refund info. and a new escrow analysis ). Each time I have tried to talk to her about my mortgage payment, and property taxes she has refused to allow me to speak. She has rudely over-talked me, interrupted me and have hung the phone up on me or put me on hold while I am speaking without returning to the phone. I also emailed Ms. XXXX regarding my concerns on XX/XX/2020, after I was given her email address by her supervisor, MsXXXX XXXX. When I asked Ms. XXXX today ( XXXX ) why she did not respond to my email sent to her on XXXX, she lied and said she did not receive the email even though she noted on XX/XX/XXXX in my account that she had received the email. I have spoken to her supervisor XXXX XXXX on each occasion that Ms. XXXX was rude and unprofessional to me, and I was assured each time by Ms. XXXX that Ms. XXXX behavior would improve, and that I needed to talk to Ms. XXXX directly because she is the person handling my loan. On today, XXXX I spoke with Ms. XXXX again in an attempt to get an update on my mortgage payments and property tax payments and she refused to allow me to complete my questions, and again she was extremely rude and cut me off by putting me on hold while I was speaking. While she kept me on hold for about 10 minutes I contacted SN Servicing on another line to report her conduct and I was able to speak to the supervisor XXXX XXXX, about the matter. Ms. XXXX response to my complaint was that she was not on the call so she does not know what happened and told me to write a complaint to the legal department. I would like to be able to get professional, appropriate, and timely responses from SN Servicing in regards to my loan. I would like a new escrow analysis, and an accounting of the funds that were paid for property taxes as well as to have SN Servicing request the refund that is due from the District of Columbia resulting from an over-payment of taxes. However, to date I have been barred from getting timely pertinent information about my loan and these actions by SN servicing is threatening to drive my loan into default.
Consumer complaint received 2020-11-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a loan from ace cash express, was unable to pay loan off and it went to collections. the company they hired to take over the matter is now calling my job everyday and now has my boss thinking that they are going to come to my job and arrest me if i do not get in contact with me. they have left the same kind of messages on my voice mail. if the keep calling i could lose my job. I don't have the name of the company they do not give name, all i have is a phone number to the company as well they are not willing give me a detail itemized list of my charges. they are also saying that the are filling a law suit in the county I am in.
Consumer complaint received 2021-07-18
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. (CO)

I've submitted all documentation to get these things blocked from my credit. all they do is keep sending me a letter saying they won't look into it. 

I will attach all my documents to the complaint.
Consumer complaint received 2021-07-18
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. (FL)

I've gotten a response from Equifax that the disputes I have submitted, came back as verified. I would like to know how did you verify it because XXXX  also did their search and found the information I submitted was justified and removed the filings from my report. 
You have information on my file from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX was deleted. Your information is not consistent nor accurate. Therefore, per the FCRA and the FDCPA, you must remove than defamation of information.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AZ)

LOWE 'S XXXX XXXX XXXX XXXX made an unauthorized charge to my Lowe 's credit card of {$100.00} on XX/XX/XXXX. They did not notify me of their error and it was up to me to investigate who and why the charge was made.
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (AZ)

I sent XXXX hbar to binance.us and forgot the memo, 3 weeks ago I emailed their support to get my funds recovered and have had no response at all even after harassing them sending multiple emails, I am very frustrated and would love a response from the company, thank you!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE ALL FRAUD ALERTS Transunion XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX XXXX XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY 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 XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (IL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-09-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (ME)

What is this complaint about? 

A {$4000.00} discrepancy. 

What type of problem are you having? 

I have spoken to customer support in regards to this complaint. They have confirmed that the loan is not accurate, but are unable to physically fix it from where they sit. They advised me to file a complaint though here ( Consumer Financial Protection Bureau ) to get it properly addressed with their internal mortgage resolution department. 

What happened? 

- We received an email from XXXX XXXX on XX/XX/2020 - The email advised us that we were able to have a complementary loan analysis - XXXX was amazing through the whole process - He confirmed that there was really no downfall to refinancing because the rates were at the lowest point in US history - We discussed all of the details and he advised us to keep AutoPay for XXXX - XXXX did suggest that we remove AutoPay for XXXX due to the closing being potentially scheduled towards the beginning of it - This way, we paid {$1200.00} to XXXX, XXXX for the closing costs to act as the XXXX mortgage payment - He advised us that we would not have a payment in XXXX - The first payment we expect is on XX/XX/2020 - The concern here is that we accidentally forgot to remove AutoPay - We emailed XXXX ( our loan processor ) on XX/XX/2020 advising her that we made this mistake and wondered what was going to happen - She called XXXX the following day that she was in the office. She advised him that they had already gotten a quote for the payoff on the loan. She told him that the payment we made with AutoPay wouldnt have anywhere to go - so we would get a refund for that payment - I recently reached out to Lakeview to discuss the loan - They advised me that I would not be getting a refund for the full payment because they called in to get a new payoff amount after the XXXX payment was made. 
- During this process I spoke with another Loan Care specialist, XXXX, who stated that the total amount paid off was {$230000.00} ; including them taking {$1700.00} from the escrow to make that payment. 
- XXXX advised and confirmed that the new loan was created for {$240000.00}, which was much higher then the payoff amount. 
- I think that maybe there was some miscommunication with the total amount on the loan from when we were initially quoted back in XXXX. However, that shouldnt have been missed because some people cant afford mistakes like this to happen .... 

RESOLUTION SUGGESTION : Since the loan was created for a larger amount then what was actually paid off, we would like to receive a refund of the {$4000.00} difference. 


What company is this complaint about? 
XXXXLakeview Loan Servicing Who are the people involved? 
XXXX XXXX ( XXXX, Mortgage Loan Originator, Lakeview Loan Servicing , LLC ) XXXX XXXX ( XXXX, Loan Processor, XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-05-23
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. (NJ)

Noticed a few accounts that are not mine accounts are not mine Also in XXXX its an error stating in XXXX I was 60 days late XXXX  60 days late then 30 days late in XXXX Then in. XXXX it states I was 30 days late in XXXX then 60 days late in XXXX then XXXX late in XXXX
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (OH)

In early XX/XX/XXXX 2020, after viewing my statement from Netspend XXXX I determined that my card ( and therefore my account ) had been debited without my authorization. There were several charges that were unauthorized that were posted on my account. Within hours of observing and determining that such activity occurred on my account I cancelled my card through Netspen XXXX website ( self service portal ) due to the fact that their customer service hours were severely limited. Furthermore, as soon as it was possible I made aforementioned bank aware of the unauthorized activity on my card and provided them with all information that I had with regards to aforementioned unauthorized charges. 

Netspend XXXX took some time investigating my claim. On XX/XX/XXXX aforementioned bank provided me with a provisional credit for about half of the amount that was charged un-authorized. Soon thereafter they informed me that the remaining charges were not in error and therefore would be credited. ( I assume when they state there was no error that they are claiming that the charges were authorized. ) They also stated that they would gladly send me the documents that they used to make this determination. I gladly accepted and request aforementioned documents. Subsequently, I requested these documents three more times and as of XX/XX/XXXX they have never been received. 

Subsequent to the XX/XX/XXXX provisional credit, I was informed on XX/XX/XXXX that the provision credits, ( which were about half of the total amount of unauthorized charges ) that was provided were mostly be reversed and that Netspend XXXX found that error did not occur. Once again no documents or information besides denial were given. 

Many calls to the organization end with my claim will be given to a specialists who can not speak on the phone ( back office. ) It appears that every attempt to seek further information or clarification on this matter is blocked. 

The charges that I informed Netspend XXXX about ( which were NOT authorized by me ) were infact unauthorized charges. Netspend XXXX while operating within the terms of their agreement with me, may in fact be in violation of Regulation EXXXX Therefore, it is demanded that Netspend XXXX review reconsider and change their determination with concerns to claim XXXX. 






Account No. XXXX
Consumer complaint received 2021-05-23
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. (NJ)

Noticed a few accounts that are not mine accounts are not mine Also in XXXX its an error stating in XXXX I was 60 days late XXXX  60 days late then 30 days late in XXXX Then in. XXXX it states I was 30 days late in XXXX then 60 days late in XXXX then XXXX late in XXXX
Consumer complaint received 2021-03-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Recently had an account show up on my credit report and the credit bureau was asked to verify its validity sent a correspondence on XX/XX/2020 the matter has not been resolved and the dispute has been open since. For XXXX, XXXX  and Experian.
Consumer complaint received 2021-03-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Recently had an account show up on my credit report and the credit bureau was asked to verify its validity sent a correspondence on XX/XX/2020 the matter has not been resolved and the dispute has been open since. For Equifax, XXXX  and XXXX.
Consumer complaint received 2017-08-06
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)

my identity theft was stolen and tried to open credit under my name and there is a lot of hard and soft inquires that is making mt credit score very low i called and they will not remove them ( TransUnion Factor Details ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Misc. XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX
Consumer complaint received 2020-06-02
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXXon 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$5400.00}
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (LA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either