davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MN)

We refinanced our mortgage Fall if XXXX. Our mortgage was purchased by Lakeview Loan Servicing.  I made out first payment using their online system. Then I set up automatic payments beginning XX/XX/XXXX and then repeating kn the XXXX each month. I set this up using my checking account. I recieved a letter from Lakeview confirming that the payments would be automatically deducted from my account. I noticed on XXXX that the money had not been deducted from my account. I thought maybe this was due to XXXX XXXX XXXX XXXX. I emailed them on XX/XX/XXXX hoping to resolve the situation. On XX/XX/XXXX my husband called and spoke with 2 customer service reps. He was told that I had set up the account with our saving account, which is not true. He them requested to make a payment and was told to make the payment over the phone it would cost us an additional {$15.00}. We have also been charged a {$30.00} late fee. We requested that this be waived since my saving account was never on the auto draft account and I have money on my account to pay them. They are very shady and dishonest in their fees and I question the legality of these fees to pay over the phone. Also, I felt pressured to sign up for autodraft because if I didn't I would have to pay a {$5.00} fee every time I make a payment.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: SOLERA LLC (MI)

I had a Collision on XXXX XXXX XXXX XXXX XXXXXXXX, MI on XX/XX/XXXX. XXXX XXXX XXXX cases against me were opened against me by XXXX XXXX XXXX, while I was in a hospital, where he had transferred me after taking custody of me after the auto accident. He apparently never told the XXXX XXXX XXXX XXXXXXXX that I was probably still in the hospital, since I was XXXX. old. When I got out, I found that a Default Judgment had been entered against me for No Proof of Insurance. Eventually, on XX/XX/XXXX, the Judge dismissed the No Proof of Insurance case, and reduced the other case for Careless Driving to XXXX XXXX XXXX. Record checks done by XXXX XXXX XXXX XXXX, and XXXX XXXX 's as well, did not show the proper result of the XX/XX/XXXXXXXX XXXX XXXX. Hearing, and continued to list the 2nd Case as a Conviction for the more serious XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX was willing to check with the XXXX XXXX XXXX to correct the error as I requested. My XXXX XXXX XXXX XXXX was doubled to about {$860.00} as a result, and will continue to be at least that high at next renewal. BTW, I'm not admitting guilt for the XXXX XXXX, since I was not even on a freeway that day, and had just turned off XXXX XXXX XXXX. at the appropriate speed.
Consumer complaint received 2021-01-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Back in XX/XX/2020, I spoke with a supervisor from Transunion. The supervisor stated they would send out disputes to those 12 companies that pulled my credit report stating that I didnt authorize them to do so. Transunion reps have told me the companies never responded back to them. By law these inquires are suppose to be deleted. Transunion refuses to delete these inquiries after stating that the companies never responded to them.
Consumer complaint received 2019-03-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

My complaint - - Bayview Loan Servicing supplied a loan modification to my ex husband with my name on it, yet never required my signature. 
- Bayview provided a cancellation of debt in XXXX in the amount of {$2200.00}. and never required my signature of acceptance. 
- Bayview never told me how to get my name off of the loan modification until it was too late - Bayview sent a XXXX in my name to my ex husbands address despite me providing my address/contact information and divorce decree to them in XXXX. 
- The property is not mine. the XXXX should have only been in my ex husbands name I was divorced in XXXX. My ex husband was awarded this house and since my name is also on the loan the divorce decree indicates i must be held harmless when it comes to this property. 
XX/XX/XXXX I found a loan with XXXX XXXX on my credit report. I immediately called them to find out why, and was told My ex husband received a loan modification from them. 
I explained the house was not mine and sent them a copy of my divorce decree. I asked how i could get my name off of this loan, and was told there was nothing i could do unless my ex husband refinanced in his name only, which he could not/would not do. 
I provided all of my contact information and asked that i be notified of any and all issues related to the loan. I never signed anything or agreed to a loan modification and Bayview told me my signature was not necessary. 
XX/XX/XXXX I received a letter from the IRS indicating i failed to report a cancellation of debt from Bayview received in XXXX. 
When i contacted Bayview i found that they removed all of my contact information at the request of my ex husband. They provided me with a XXXX that was mailed in my name to my ex husbands address in XXXX. 
Bayview refuses to send a correct XXXX despite having the divorce decree on file. They informed me they could not do this because i failed to file a release of liability with them, and will provide no explanation for why their staff never informed me of this on any of the numerous phone calls i made to them. 
The loan is paid off now so no one will help.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NC)

I took out a loan with Moneylion. The stipulation of the loan was to sign up for membership pay a monthly fee and also have money going to their investment account. You could not cancel the membership if you had an outstanding loan and if the loan needed to be repaid or money is owed it can be wthdrawn from the investment account to to resolve the balance as a security. 
The balance in my investment account was approximately {$390.00}. {$260.00} was removed from my investment account with MoneyLion to pay off the outstanding loan. I had a remainder of approximately {$130.00}. There were membership fees that were passed due that could have been paid with the {$130.00}. However it was not. In fact, it shows {$130.00} was withdrawn from my account and was not applied to any balances. I even had to block my account for MoneyLion because they were still attempting to withdraw money from my account for the membership when the loan was clearly paid off and money was in my investment account. 
I then get a notification on XX/XX/XXXX from several monitoring services I have that advised I have a MoneyLion account that is delinquent 120 days. I called MoneyLion and they advised that it was a due to the past due membership fees. However, if the {$130.00} was correctly applied to the fees this would not have reported on my account. I called MoneyLion on XX/XX/XXXX immediately and the representative had no explanation of why the {$130.00} was withdrawn from my investment account and not applied. In fact, the money has been withdrawn and could not be traced to where the funds went. 
The fees were eventually waived by the representative in the amount of {$110.00}, which is clearly covered by the cost of the missing investment funds. 
I was supposed to receive an email on XX/XX/XXXX stating that the fees have been waived and I was supposed to be sent another email advising that the funds are forfeited from my investment account in order to cover any left over balances owed to MoneyLion. I received two emails from MoneyLion about this procedure with one in XX/XX/XXXX, but a mass email delete had to be performed on my email account because it was too full and this was part of this purge. At this time, I have not receive any of this documentation and I know there is electronic tracking of email sent to their consumers. I could not cancel the membership via their website and I had to call to have my membership cancelled.
Consumer complaint received 2018-02-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Account fully terminated in XX/XX/XXXX, however Nissan is still reporting "FULL TERMINATION/BALANCE OWING" on my credit report, causing my mortgage lender to decline my homeloan.Nissan showing account active as of XX/XX/XXXX with a balance due of $XXXX.
Consumer complaint received 2018-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (TX)

I was in the hospital XX/XX/2017 due to a car hitting me as i was crossing the street they never stopped and i was co errant at the time. My friends took me to the hospital rather than waiting for an ambulance. I never received any medical bills to my address, my insurance company called me and told me that everything was covered. I got a credit hit so i called the company asking why they hit my credit. they never provided me with any information. I even offered to pay it since XXXX dollars was not worth it effecting my credit even then they said they wouldnt take it off.
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (MA)

In XX/XX/2023 we spoke with Fay servicing to speak about starting to pay our regular mortgage payments. They informed us we needed to pay the entire balance before we could make regular payments. We asked for a modification and started that process. We sent an application into Fay ( XXXX XXXX ) and they asked for bank statements and pay statements, which we provided. Now we are facing foreclosure and need help
Consumer complaint received 2021-11-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MacDowell & Associates, Ltd. (AL)

On XX/XX/XXXX I received a letter from MAC DOWELL & Associates LTD representing XXXX XXXX XXXX XXXX stating that I the consumer owed a debt of {$51000.00} violating Truth In Lending Act, Fair Debt Collection Practices Act and Fair Credit Reporting Act among others. On XX/XX/XXXX I pulled my consumer report and saw that they have the alleged debt reporting to the credit reporting agencies starting on XX/XX/XXXX falsely stating that I have a debt violating TILA, FDCPA, FCRA and it is defamation and is impeding on my ability to utilize my open consumer credit line. 

On XX/XX/XXXX I responded via certified mail with a Cease & Desist, Affidavit of Truth with Exhibits and a Bill of Particulars to settle these violations and to grant relief. 

I have attached all evidence and supporting documentation to settle this matter immediately.
Consumer complaint received 2019-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (UT)

Every month when I try and log onto XXXX  it locks my account and forces me to go through a lengthy unlock process that usually involves calling them. Also about 50 % of the time when they instruct you to use the app its broken, and it locks your account. I have been using a password manager for at least a year and I get lock out every time. 

Then I asked the customer service rep what would happen if I XXXX  my self, and they replied they would go after why wife and child to collect. 

They actively do not help you work towards resounable payments but put you on forbarence so they make more money.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (VA)

Hello, My complaint at this time Is against Citi cards  and getting a XXXX card. My application ID was XXXX. 
This is the second time I got a pre-approved application and got decline for getting a XXXX XXXX from Citi Cards. 

At this time, I feel the company is being racists since I have a last name of XXXX and they will not issue me a card at this time. 

Thanks so much for hearing me out XXXX XXXX
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of tems which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX RV Inquired on XX/XX/XXXX, XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the XXXX XXXXXXXX XXXX shall block 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.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am trying to get a mortgage and my lender is saying that they can't pulled the credit report and to update my address to my current address. Equifax customer service stated that it will take up to 30 days for them to update my credit profile and I don't have 30 days as I need to update this ASAP.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-08-18
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. (PA)

I have submitted an identity theft report and I have disputed the account listed as XXXX/XXXX/XXXX  with account number XXXX on my credit report for almost a year now as fraud. This credit reporting agency and the listed company continues to report this account on my credit report without an explanation as to why or obligation. Whenever I dispute this account, different information associated with the account is reported and/or it is removed and then put back on to my credit report which is illegal. This account is not my obligation and violates my consumer rights which include and are not limited to 15 usc 1681 b ( A2 ), 15 usc 1681ae, 15 usc 1692b, 15 usc 1681b, 15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f. Each violation can be monetized. This credit reporting agency continuing to allow this account to report on my credit is also illegal and violates my consumer rights and I plan to now take legal action.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (FL)

Binance.US On XX/XX/2021 I transferred {$20.00}, five times to Bianace.US but 2 transactions failed and {$60.00} was transferred but they took out {$100.00} from my bank account. I reached out the company dozen times through emails and requested for them to refund the money they withdrew from my account but they just keep stalling and they keep saying that they dont see that on their end. As you can see in the attachment, {$20.00} was withdrawn 5 times, I have purchased XXXX crypto 2 times for {$20.00} each, total {$40.00} and there is {$20.00} of cash in the account for total of {$60.00}. It seems that other people have experienced this issue with this company and they are taking advantage of people.
Consumer complaint received 2020-01-22
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: EQUIFAX, INC. (CA)

I pulled my credit profile for the first time in 6 years and seen many accounts that were not mine. I never applied nor seen any of these accounts. These accounts need to be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.
Consumer complaint received 2018-02-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have been on the phone with Portfolio Recovery countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let XXXX  and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call me.
Consumer complaint received 2023-07-05
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. (KY)

I have made several disputes with Equifax about this debt collection XXXX XXXX XXXX XXXX accounts. First one is # XXXX and second is account # XXXX. FRCA requires that you are consistent, complete and accurate across the board with every consumer reporting agency is reporting the same thing in each account. I just showed you how you did not verify this on Acct # XXXX Equifax has no data, XXXX has XX/XX/2025, and XXXX has XX/XX/2025 and Second acct # XXXX Equifax blank, XXXX has XX/XX/2025, and XXXX has XX/XX/2025. All three can't be accurate if you going by date of first delinquency. From my understanding a collection account are not supposed to include a payment history because I do not have a payment agreement currently set in place with this debt buyer. This XXXX XXXX XXXX claiming a historical payment is falsely representing to my relationship with them. They can not report any payment history on the accounts from the alleged original creditor before, them. A collection is by default derogatory this goes without say. Please delete from my credit report immediately. Please note for these accounts I have disputed, unless every piece of inaccurate and missing data is filled in and every inconsistency, and every error is accurately fix or delete accounts entirely.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2019 I purchased a phone online thru my online banking with Wells Fargo. I used the XXXX function on my Wells Fargo app. I never received the phone or a refund from the company. I filed a dispute with Wells Fargo and they declined the dispute and sent me the attached letter. They told me verbally they were not responsible for it because I used XXXX and not their bill pay function. XXXX IS ON THEIR ONLINE BANKING APP! If they do not cover fraud on XXXX purchases then they should remove it from their Wells Fargo App. That is VERY misleading! There was no indication to me that if sending {$160.00} to XXXX  was fraudulent that Wells Fargo would not cover it as it would with any other transaction using their Wells Fargo App. I am requesting a full refund from Wells Fargo. I offered them my invoice from XXXX  and Emails regarding the fraudulent transaction. Wells Fargo didn't want any of it, they just declined it. 
Claim # XXXX