davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MA)

Diversified Consultants Inc put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. The letter they sent shows a different balance than what is being reported top the collection bureaus. I request that Diversified Consultants Inc verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Diversified Consultants Inc is unable to provide the above identifying account information, this account must be deleted from all CRAs. I have attached the only letter which I have received from them. I requested validation, never received validation before it was added to my credit report
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze be on my XXXX XXXX XXXXt. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

On XX/XX/2021 we received a letter stating that the loan servicing for our property ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) was being moved from XXXX XXXX XXXX XXXX XXXX ) to Lakeview Loan Servicing. 

The letter from XXXX said a loan number was still to be determined. We waited on additional paperwork including the loan number to arrive, but by the end of the month we had not yet received it, so we sent in our next payment to XXXX as that was the only payment information we had available. 

Additionally on the paperwork from XXXX stated that any payment made to them within 60 days of the loan servicing being transferred between companies would be accepted without being considered late. 

After we submitted our XXXX  payment, Lakeview 's paperwork arrived, and we assumed the loan payment to XXXX would be provided Lakeview per the XXXX paperwork. Last week we submitted our XXXX  payment to Lakeview.

Now I'm getting contacted by Lakeview Loan Servicing saying that I am delinquent on my loan payments which I am afraid will negatively impact my credit score because it is reported as a late payment. 

Lakeview claims they are investigating where the payment is, but I'm currently marked as deliquent on the website. I attempted to contact Lakeview via their online form, and my requests keep getting closed without any response. When I called, they said there is a " payment investigation open, but they couldn't provide any updates or details. Additionally, they could not provide a tracking number or reference number in order to know that this is actually happening. Based on my other requests being ignored I have no confidence this issue will actually be resolved. 

I also spoke to a supervisor XXXX, employee ID XXXX, from Lakeview Loan Servicing who was unable to assist me as well. 

New Loan Servicer - Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Old Loan Servicer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Finally, I've attached screenshots from my XXXX account showing the payments have been sent out.
Consumer complaint received 2021-06-02
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. (MI)

I have disputed the inaccurate late payment for XX/XX/2020 showing on 23 student loan accounts with XXXX XXXX XXXX and each time the credit bureaus stated they have investigated the issue and come back that the late payment reporting is accurate. I now have documentation from XXXX XXXX XXXX stating this late payment that is being reported is indeed incorrect and that it should not be reporting as late. Also the balances reported are incorrect. Therefore this shows that the investigation that the credit bureaus supposedly conducted was flawed.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was denied a mortgage loan today ( XX/XX/21 ) from several banks. I found out from one of the bank that it was due to credit scores that it had obtained, more specifically from TransUnion because it was the middle score among the 3 scores : XXXX from TransUnion, XXXX from XXXX, XXXX from XXXX. The score range was XXXX to XXXX. 

The credit scores I obtained from the websites of the 3 credit reporting agencies, just hours before applying for the mortgage loan and before the bank " pulling '' my credit, were XXXX from TransUnion ( XXXX according to the bank ), XXXX from XXXX  ( XXXX according to the bank ), XXXX from XXXX ( XXXX according to the bank ). The XXXX, on their website, displayedXX/XX/2021 credit score whereas others indicated their score were as of XX/XX/2021.
Consumer complaint received 2019-06-11
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: Credit Bureau of Carbon County (VA)

I have disputed COLLECTION CENTER-WYOMIN charge ( which was posted as a collections account on XX/XX/2019 ) on my report for XXXX with XXXX and XXXX. With XXXX   on XX/XX/2019, XX/XX/2019, and XX/XX/2019 and they have refused to help me remove a fradulent debt account on my report. I informed that I did not receive the services for this hospital visit and the charges are not correct, I have tried to work with the merchant but the merchant has refused to accept the dispute and report it to credit agency. the account was closed and this debt is not valid, thus it should be removed from my credit report.
Consumer complaint received 2020-08-26
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. (LA)

Someone has stolen my identity. Back in 2011 someone got a hold of my wallet at local bar for the last 9 years I have had bank accounts, credit cards, etc in my name that I did not agree with nor known anything about
Consumer complaint received 2024-02-04
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: Experian Information Solutions Inc. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (MS)

I purchased vehicle in XX/XX/XXXX through Fifth Third Bank. I changed insurance company XX/XX/XXXX, XXXX.and at the end of XXXX I cancelled my old policy with progressive and backdated the end date to XX/XX/XXXX, the new policy was in effect but it shows the start date was XX/XX/2017, which is a two day discrepancy. Fifth Third Bank contacted me and asked for proof of insurance. I inquired if the vehicle insurance card was acceptable and I was told yes. I sent the card and about a month later they contacted my a second time and asked for the declaration page. I sent that document to them also and they sent a letter stating that I owed them for two months of insurance because their record show I didn't have any so they place insurance on the vehicle. I provided them with insurance information and wrote a letter in an attempt to resolve this issue, they were rude on the phone and continuedly would tell me they didn't receive no letter or any information pertaining to proof of insurance. They are demanding {$710.00} for two months worth of forced insurance and are adding XXXX per month late fee even though I have proof that the vehicle was covered. Also they have adversely affected my credit by reporting late payments to all credit bureau causing my score to drop which has blocked my from acquiring new loans.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (NJ)

I purchased a ticket for my mother on XX/XX/2019 to travel overseas for XXXX $ using citi bank credit card..As my mother was diagnosed with XXXX,doctor advised her not to travel. On XXXX I paid XXXX as change fee to reschedule her flight.I opened a case with citi bank , case # Citi Card Benefits Request XXXXI submitted all requested documents to adjustor on XXXX. I was told that he/she has all information and she would approve in less than 2 weeks. He/she made some update on XXXX to restart clock of 2 weeks. I inquired again on XXXX to ask status on this case and requested to talk to adjustor but couldn't. within couple hours now he/she is asking for claim amount, this is basic information that adjustor should already have it or have asked for it long time ago. I have a fear that citi bank may be using delaying strategy hoping consumer would forget. They are asking and taking delaying case 2 weeks at a time . can you please look into this?Thank youXXXX
Consumer complaint received 2021-12-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

On XXXX 2021, I contacted Shellpoint Mortgage to speak with my relationship manager Ms XXXX who have been assisting me with my foreberance extension and account. I sent a email to her to request the Foreberance extention and the email request bounce back. I went on Shellpoint website to request the extension of my Forberance which I had since XX/XX/2021 per American Rescue Act I have the right to request and extension up to 15 months if I was in a Forberance at that time. 
I was directed to call XXXX and was told my point of contact was changed XXXX and I was denied and foreberance extension. Did not ask me if I was still impacted from the Covid 19 disaster. I just felt discriminated against. I was also told I had a new contact person and I ask why because MsXXXX XXXX is aware of my challenges with the Disaster and has been working with me hanging my account. Then I was told that monies would be advanced to my HOA and that never materialized and now I am way behind per their letter in writing.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (UT)

Nelnet is reporting late notations on my credit file that I need removed. My student loans were in deferment but while in deferment I was making payments of {$90.00} a month. Once my deferment was over, I continued to make the {$90.00} a month and was not aware that my payments had gone from {$90.00} to {$400.00}!! As soon as I found out I did my best to catch up and get current but I was not warned at all about this. This is not my fault, I was not advised that my payment would go up a ridiculous amount and once I figured that out, I have been current.
Consumer complaint received 2021-06-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account XXXX : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-11-24
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. (NV)

My wife and I personal information was both stolen and has been being used as if they are us to the point that they got so many accounts in my name they filed bankruptcy to start over and get MORE accounts in my name. I filed a police report over 8 years ago and an identity theft report. This still keeps happening and no one is helping me fix it. I disputed with the credit bureaus and they still have left some of it there like I should be liable which it TOTALLY WRONG. They actually DELETED an account on my wife 's report that DID belong to us but still leave the fraudulent accounts there.
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2017 Chase Bank closed my check acct. I had direct deposit from VA n Social Security. Chase failed to give me a 30 day advance notice n no reason as why.Chase had authorized payment to XXXX XXXX at that time I had XXXXDS to the good .Payment was XXXX n Chase collected overdraft fee n failed to notify me to so. As of closing my account Chase had collected over XXXXDS. On the XX/XX/2017 Chase receivedy SS payment of XXXXDSl n paid themselves XXXXDS. I came behind Chase n withdrew XXXXDS at XXXX from ATM later that day Chase closed my account n showing a negative balance.
Consumer complaint received 2017-12-18
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. (IL)

I have hard inquiries form XXXX, XXXX and XXXX that were deleted but I notice they were reinserted. My social security number was listed in the Security Breach and they should n't have been reinserted without sending me a 5 day notice.
Consumer complaint received 2021-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the reporting agency ( TransUnion ) my ( 3 ) FTC reports via certified registered mail on XXXX. I called the reporting agency on XXXX to confirm that theyve received my mailed correspondence that contained my ( 3 ) FTC reports from XXXX. During my call with the reporting agency, I spoke to the fraud supervisor XXXX XXXX, who confirmed receipt of my ( 3 ) FTC reports. XXXX XXXX informed me that the reporting agency deemed my FTC reports as invalid. But could not give me explanation as to why the FTC reports were invalid. I then, informed XXXX XXXX that those findings are incorrect, because all three ( 3 ) of my FTC reports have the correct and requested information from the Federal Trade Commission ( FTC ). Each report also have XXXX accounts or fewer on each of them as described below : FTC Report Number : XXXX ( XXXX pages ), have five ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX XXXX  XXXX accounts, XXXX ( XXXX ) XXXX XXXX XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX XXXX accounts. FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXXXXXX XXXX  accounts, and XXXX ( XXXX ) XXXX XXXX accounts. and finally, FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX account, XXXX ( XXXX ) XXXX XXXX account, XXXX ( XXXX ) XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX XXXX account. 

XXXX XXXX informed me that my file has been deemed as fraud from those accounts mentioned in my FTC reports and the consumer reporting agency has automatically applied an extended fraud alert on my consumer file. However, those accounts mentioned in my FTC report will not be removed or blocked within 4 business days pursuant to U.S. Code 1681c-2. XXXX XXXX stated that it will take 30 days for the information to be investigated. The reporting agency is in direct violation of 15 U.S. Code 1681c-2 which clearly states : 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 do not agree with the consumer reporting agency ( TransUnion ) decision/ findings as it is deemed inaccurate and a direct violation of 15 U.S. Code 1681c-2.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Account Name : Dept. Ed XXXX. Account XXXX  XXXX******** ( both accounts ) Account Name : Dept. Ed XXXX. Account Number XXXX******** ( both accounts ) Violation Reported : missing reporting payment dates.

Violation Reported : reporting dates states OK, to 90 days, to OK days late.

Violation Reported : account dates XX/XX/XXXX, 90 days late.

Violation Reported : account dates, XX/XX/XXXX, no reporting.

Violation Reported : account dates XX/XX/XXXX no reporting.

Violation Reported : account datesXX/XX/XXXX no reporting.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Account Name : Dept. Ed XXXX. Account Number XXXX ( both accounts ) Account Name : Dept. Ed XXXX. Account Number XXXX ( both accounts ) Violation Reported : missing reporting payment dates. 
Violation Reported : reporting dates states OK, to 90 days, to OK days late.

Violation Reported : account datesXX/XX/XXXX, 90 days late.

Violation Reported : account dates, XX/XX/XXXX, no reporting.

Violation Reported : account datesXX/XX/XXXX no reporting.

Violation Reported : account dates XX/XX/XXXX no reporting.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.