davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

Lender : LakeView Loan Servicing Company NMLS : # XXXX Lakeview Loan Servicing : XXXX XXXX XXXX, XXXX  XXXX, VA XXXX Problem : After repeated requests for the status of an imminent loan modification ( between XX/XX/XXXX - XX/XX/XXXX over 150 days ), Lakeview Loan Servicing LLC has not provided any electronic or written correspondence regarding the status of my existing mortgage. 

History/Details : I participated in the COVID-19, 90 day mortgage relief program in XXXX of XXXX. Note : The loan was current at the time I opted into the COVID-19 mortgage relief program - My credit score was/is around XXXX - There were no title issues at the time of my opted-in and there were no title or financial concerns between XX/XX/XXXX - through present day ) On XX/XX/XXXX, I verbally agreed and accepted the Lakeview Loan Servicing LLC option to expire the XXXX mortgage relief program. On XX/XX/XXXX, I also agreed that the existing mortgage would be modified to take advantage of the lowered interest rates. 
Lakeview Loan Servicings customer service members informed that paperwork would be sent to me and that the new mortgage terms would start in XX/XX/XXXX. 
Since the XXXX week of XX/XX/XXXX, I have contacted Lakeview Servicings customers service number ( on two weeks intervals ) to inquire about the status of my loan and the imminent loan modification. Each time I called, I was told that while the loan departments are extremely inundated, the mailing of any appropriate loan documentation was imminent. LakeView servicing refused to provide an email or letter form communication providing notification of status or receipt of prior communication. 

As of XX/XX/XXXX, I have not received any correspondence from Lakeview. 
I have incurred over ( {$18000.00} ) XXXX XXXX dollars of additional principle to my loan amount over this period. I am extremely hesitant to send unsolicited payments to the lender in fear that the payments would not be applied correctly or considering their refusal to provide reasonable communications, even acknowledged. 

I am very concerned that Lakeview Servicing is participating in lender misconduct or perhaps fraud. I would like to not only file this complaint, but take advantage of every opportunity available to help bring this to an issue to a close and if possible, protect me from any adverse results that may be incurred do to Lakeviews negligence.
Consumer complaint received 2023-01-27
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 second time that I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2017-09-09
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. (MA)

Recent cybersecurity breach at Equifax led to release of personal information of millions of users ' social security numbers and other important personal information that can lead to identify theft crimes. I am one of them. I have tried to resolve the issue with Equifax and while they admit the breach, they can not provide sufficient protection that will ensure that my identify will not be stolen. For example, 1-year of credit monitoring is too short, as my social security number ( SSN ) will now be in public forever. Also, even if I were to change the SSN, Equipfax does not provide any assistance/compensation regarding the times I lost changing my SSN, contacting various financial/governmental agencies to inform that I have changed my SSN, and other time/energy/finance consuming activities that will entail. The company 's response to one of the most serious security breach is insufficient for consumers to be protected from the identify theft.
Consumer complaint received 2017-09-09
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. (NE)

My personal information was compromised. A group of knowledgeable players knew this a month ago and said nothing to 45 % of Americans. But they sold their stock in Equifax.
Consumer complaint received 2017-09-09
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. (TX)

It was confirmed to me that me personal information ( SSN, DL info, DOB, etc. ) was part of a data breach of equifax 's system. I feel they are not only negligent in their lack of safety measures to prevent this from happening but were not quick enough to reveal this to their customers which also allowed senior executives to divest their stock. Which we are supposed to believe happened by coincidence and nothing illegal occurred.
Consumer complaint received 2017-09-09
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. (GA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-08-16
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. (CA)

This is the fourth time in recent history that a potential Lender has been unable to hard pull my Equifax credit file. Equifax says absolutely nothing wrong on their end, but XXXX, XXXX XXXX and XXXX all get the same " no data available '' response from Equifax. My most recent response to the same complaint resulted in Equifax sending me a paper copy of my report. This is not what I asked for!!! I WANT LENDERS TO HAVE ACCESS TO MY EQUIFAX CREDIT FILE!
Consumer complaint received 2017-08-29
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: Onity Group Inc. (WA)

The mortgage company Ocwen stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my XXXX XXXX and credit history. I am a Surviving spouse of XXXX XXXX XXXX member.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AZ)

My payment was due on XXXX XXXX, i made my payment on that date, and it was n't processed until the XXXX. i called and they are telling me they are central time and they cut off is XXXX cst. i am in Arizona so i am MST time zone. i was n't aware of any cutoff but the rep stated they cut off payment at XXXX XXXX CT. however, their web page is XXXX XXXX CT. i had asked to speak to a supervisor about this and was told I can get a call back within 48 hours. the issue is one i paid my bill on the due date. 2 their times are inconsistent. now i got a late fee for {$38.00}.
Consumer complaint received 2017-08-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I paid down my home equity line of credit to XXXX. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the XX/XX/XXXX try I  reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account. I was also told that I would continue to be charged interest on this balance until XX/XX/XXXX even though I had n't borrowed any money. I was also told that even if my balance were XXXX I would continue to be charged interest because " that is the way variable rates work. '' I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because that was not the way the HELOC was sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. While I was at the branch I called the phone line to see why no staff were picking up and witnessed bank staff ignoring the ringing phone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. Apparently that never happened. I have tried calling several times since then and ca n't reach anyone to understand what was done.
Consumer complaint received 2023-01-09
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. (PA)

I was recently reviewing my credit report and came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally ontop of things like this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax first letter was sent and received. XXXX XXXX number XXXX XXXX XXXX XXXX XXXX I received a response asking for valid form of ID ( which I included in the first letter - photo ID LEGIBLE and a utility bill for proof of address ). That second letter was sent and received and I still have not heard anything back. 

XXXX XXXX number XXXX XXXX XXXX XXXX XXXX At this point, my rights as a consumer to fair and accurate credit reporting is being violated.
Consumer complaint received 2022-03-07
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: AMERICAN EXPRESS COMPANY (NC)

I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.
Consumer complaint received 2017-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

I recieved an offer from Ocwen Loan servicing to reduce my mortgage payments by {$500.00} a month if I would particpate in a 3 month trial period. I did so and made payments of {$1100.00} on XX/XX/XXXX and again {$1100.00} on XX/XX/XXXX and a final payment of {$1100.00} on XX/XX/XXXX. At the end of the 3 months I was to receive paperwork that would restructure my agreement with Ocwen Loan servicing however, no agreement was received. I had been scammed out of {$3400.00}.
I called Ocwen Loan Servicing and related the problem to them and sent the information about the transaction at which time I was told there would be a fraud investigation. When I asked if I should be making my regular mortgage payments I was told to wait until the investigation was completed.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

My name and I formations are reported to the collections agency by Midland credit management on behalf of XXXX  XXXX credit account identity theft fraud. Someone used my identity and opened up a XXXX credit card issued by XXXX  XXXX. I had made reports and disputes to XXXX  XXXX and this account is still in dispute as I understand however Midland credit management has reported that debt to the credit bureau while it is fraud and in dispute with XXXX  XXXX. I ask for settlement of this dispute which has been going on for 2 years and clear my credit report. Thank you
Consumer complaint received 2019-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

I have a mortgage with Chase Mortgage. I have always paid on time and usually pay additional toward principal of approximately {$320.00} per month on a monthly mortgage bill ( PITI ) of approximately {$990.00} per month. I believe it was for my XX/XX/2018 statement when made my typic payment and over payment of {$1.00}, yet I realized the overpayment would be best used to pay other debts the following month. I called Chases customer service and they assured me it would be no problem to suspend these funds for and apply only what was due so that {$310.00} would be waiting in suspense for the following months payment of {$670.00}. This was documented as case number XXXX. The following month, I did make the payment per our agreement of {$670.00} on time yet Chase did not apply the suspended funds. This made me appear late to Chase even thought they committed to hold these funds in suspense awaiting my {$670.00} paynent. 
Soon after, I started receiving requests for mortgage assistance from Chase and knew there must be a problem with the commitment Chase had made. This late payment caused my credit score to go down approximately 63 points. This decrease caused XXXX XXXX to decrease a credit limit on one I my cards by {$11000.00}. XXXX XXXX XXXX decreased my credit line approximately {$2000.00}. These credit decreases of course had meaningful impacts on my credit utilization ratio by decreasing the denominator - this resulted in further negative impacts on my credit. Concurrent to all this, I spoke to a first level customer service rep who got my problem to a second level person named XXXX XXXX. Mr. XXXX listened to my concern but was more than a little rude. Regardless of his lack of empathy to my issue, over multiple calls, he did agree that Chase made an error and got the actual payment application corrected. He was unable to address the financially devastating impact that this bank error had on my credit score. Over  time after multiple calls, I requested escalation and was eventually offered access to XXXX XXXX. XXXX has a voicemail that does not allow for people to leave messages and only allows emails. I have emailed her multiple times and she has attempted to call me back during hours when I am at work as a school bus driver for my community. After I stopped aggressively pursuing her for a resolution that helped me reestablish my now destroyed credit, she was happy to stop calling me for a resolution. I am glad to forward these emails. I need Chase to assist me. Whether it is to extend me a credit card of {$20000.00} at favorable rates or some other solution that has the same positive effect as their error caused a financially devastating negative effect on my credit.
Consumer complaint received 2017-09-09
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. (OH)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2019-03-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I was consitantly making payments of {$280.00} for almost 6 months. However, when I tried to call Navient at the beginning of XXXX about how I cant afford to pay that much a month they pretty much told me that I have already been given the lowest payment plan they have. I am in the military and I am the sole source of finances to my wife and XXXX kids. I will be more than willing to make these payments if i could get them lowered. Please help me.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I use to have Capital One mastercard which i closed and paid in full on XXXX XXXX, 2011.
shortly after closing i received another statement with {$1.00} charge, i called to see why and i was told that was computer glitch and promised to be fixed. i have been trying to resolve the issue but Capital One has no record of my account or they claim that is old and no longer on their systems, however they continue to report negative item to credit reporting agencies. As of today despite my efforts and numerous call and letters sent to Capital One, this matter still reflects negative on my credit reports and have been denied and turn down loan because of it. my closed account ends with # XXXX XXXX XXXX
Consumer complaint received 2017-09-09
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. (NH)

Equifax, due to improper handling of personal data, allowed a breach of personal data files. My files were a part of this breach, putting me at risk of fraud and identity theft.
Consumer complaint received 2021-05-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In XX/XX/XXXX I filed bankruptcy to save my home from Foreclosure. 

My mortgage was sold from Franklin American Mortgage to Citizens One Home Loans later in XXXX. 

I was not made aware of this sale until aboutXX/XX/XXXX. I was advised to set up an account with their site XXXX. This site does not allow you to make payments. But to apply for relief. Which is fine. I applied for relief for a loan modification at this time. I did not here back. Instead I believe I was out into a forbearance plan without my knowledge. I did not receive a statement for my mortgage until XX/XX/XXXX. At which time I was advised to set up another option for mortgage relief. I again applied for loan modification and received no information. In early XXXX I applied again and again was placed into a forbearance without my knowledge due to COVID. 

I applied again for mortgage relief at the end of XXXX, and in XXXX of this year and XXXX. 

To date I have made 4-5 applications through either mail, fax, and uploading to Citizens dedicated website. I have made several calls to their collections department and am consistently told the department I am looking to speak with is not in and they will call me back. 

At this point I have been placed in several forbearance Lis without my knowledge and every time I call to correct this and set up a repayment plan to begin repaying my mortgage. I am told someone will call me. 

I have never received a phone call. 

I believe Citizens Bank is actively ignoring my requests for mortgage relief weather it be through a loan modification, forgiveness, or simply setting up a repayment plan that is sufficient for both Citizens and myself. I simply want to begin to repay the serious past due amount. So that this situation gets rectified. 

As of this date I log in to the XX/XX/XXXX website and it has all my documents uploaded for 5 months and none of them have been reviewed.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nationwide Credit Corporation (VA)

The debt collection agency is Nationwide Credit in XXXX, VA. I am a XXXX XXXX for the XXXX XXXX XXXX XXXX ( XXXX ) system. They sent documentation to XXXX falsely misrepresenting themselves XXXX XXXX of XXXX, VA by placing information on County letterhead. They asked that the entire amount of {$1300.00} be deducted from my paycheck, for delinquent personal property taxes and fees in XXXX XXXX. The payroll supervisor did not honor the request for the entire amount, because my check was much less and he told them he can only take a percentage. He withheld {$200.00} on one check, dated XX/XX/XXXX and {$100.00} on a second check, dated XX/XX/XXXX. He stopped withholding funds after I brought to his attention that a garnishment has to come from the court. 

First of all, I was a resident of XXXX XXXX for 1XXXX years, not XXXX XXXX. Secondly, I do not know how they arrived at {$1300.00}. Their correspondence is on XXXX XXXX letterhead with their phone number. These deductions were quite shocking to me because I need all of my funds to live. On XX/XX/XXXX, I wrote a letter to NCC and had it notarized. The letter has been sent certified mail.
Consumer complaint received 2017-09-09
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. (FL)

My personal social security and identification information was shared by Experian through the XXXX data breach. According to my credit reports, there is fraudulent activity that I did not authorize in a state I do not live in. The fraudulent activity took place during the summer of XXXX in line with the dates of the data breach.
Consumer complaint received 2022-01-07
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. (SC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.