davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I used the HERO Program to have XXXX and new windows installed in my XXXX home in XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( windows ), respectively. My total financed was {$18000.00} for 10 years. A yearly total of {$2600.00} was added to my property tax with XXXX XXXX County tax assessors ( totaling an additional $ XXXX/mo ) and is to be paid through my escrow account through my lender, Lakeview Loan Servicing , LLC ( also known as XXXX ). As I have an FHA loan on my home, I am required to pay my property taxes, PMI and homeowner 's insurance through an escrow account. On XX/XX/XXXX, Lakeview sent me an annual escrow account disclosure statement identifying that I am required to either pay an additional {$440.00} per month ( totaling $ XXXX/year ) or pay a one-time shortage payment of {$3000.00} ( due by XX/XX/XXXX ) and also pay an additional {$190.00} per month ( an additional $ XXXX/year ) totaling $ XXXX/year. I called Lakeview to get an explanation as to why they are requiring me to pay almost double the HERO payment and was not provided a reasonable explanation. I was told the reason XXXX is charging me {$5300.00} to pay HERO amount of {$2600.00} is that they have three different departments completing complex calculations to determine what the lender requires in my escrow account. That was the explanation for Lakeview requesting an additional {$2600.00} from me. I can not afford that.The reason I did HERO was because it provided me a tax credit that helped offset my tax liabilities as a single woman, with no children living in one of the most expensive areas of the most expensive states in the Country. I can not afford a $ XXXX/mo increase on an FHA loan. I could barely afford the {$220.00} - but since my old windows didn't lock and summer gets 109 in my area, I felt it necessary. Why is Lakeview legally allowed to charge me double the amount of the HERO Program loan?? This is federally backed program and participants should be able to participate without a predatory mortgage lender using it to double payments. Especially with an FHA loan. Lakeview KNOWS I am required to pay my taxes through an escrow account. They know I am trapped and that is why they are doing this. My only options are to borrow money ( somehow? ) to pay off HERO and then have to re-fi my home to pay off borrowed money, losing my HERO tax credit in process and my FHA interest rate or lose my house altogether since I now can not afford the payment. I believe Lakeview needs to be looked into for predatory practices. I also would like to note that Lakeview bought my mortgage - I did not CHOSE this company.
Consumer complaint received 2020-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (TX)

XX/XX/2019 ARstrat trying to collect the debt not mine. With a initial dispute, explained the debt is not mine and ARstrat responded that the information is accurate. Debt is belong to a minor of friend who visited my town. Debtor is not related to me or family member.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

Despite numerous previous written requests, the unverified accounts outlined below persist on my credit report, which is a violation of Federal Law. The XXXX Credit Bureaus have neglected to comply with the Fair Credit Reporting Act, 15 USC Section 1681i within the stipulated timeframe, and they persist in reporting unverified information. Given my extensive efforts to resolve this issue directly with the creditors, their actions can be interpreted as deliberate negligence and a failure to adhere to federal regulations. These statuses have a detrimental impact on my credit report, and this damage could have been prevented if the bureaus had conducted thorough investigations before reporting derogatory information. DISCOVERBANK XXXX
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (NY)

I had a card ending XXXX with BBVA credit card. This year card was blocked, because of unauthorized transaction. However on their site this card still exists. last balance on it was {$120.00} so I sent it electronically and BBVA received it on XXXX But company did not apply those money to card ending XXXX, instead of it - they put it into card ending XXXX. 
XXXX I called them and spoke to person named XXXX, ( who barely can speak English ) and he assured me that that card ( ... XXXX ) closed and I have nothing to worry about. I paid my other card as well, but today XXXX I found on their site, that I still have UNPAID amount of {$120.00} and past due amount of {$10.00} on card ended XXXX. 
I called them again, ( XXXX XXXX ) and spoke to non-English speaking worker named XXXX XXXX who totally ignored my questions and was unable to clarify issues. 
Please help me and stop that company from stealing peoples money.
Consumer complaint received 2017-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

I took out {$13000.00} in student loans in XX/XX/XXXX. I have added up all of my payments over the life of the loan ( XX/XX/XXXX - XX/XX/XXXX ), and I have paid more than {$24000.00}. The loans were transferred to Navient in XX/XX/XXXX, and now with fees and interest, they are claiming that I still owe over {$42000.00}. Their records only go back to XX/XX/XXXX ; they do not show any records from the time I took out the loans, so the bulk of my payments are not on their records. I have paid off my debt, but Navient keeps charging me fees and interest. I do n't know how to get them to stop.
Consumer complaint received 2020-07-13
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: MECHANICS BANK (TX)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting incorrectly that I am 60 - 90 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 11 13 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA Mastercard Account XXXX XXXX Statement of XX/XX/2014 transactions {$100.00}. I DID NOT CHARGE TRANSACTIONS. I DID NOT OPEN THIS ACCOUNT. WHAT HAPPENED TO THIS ACCOUNT? HOW? WHY? ARE THERE NO RECORDS THIS ACCOUNT EVER EXSISTED. WHAT IS GOING ON AT USAA?? HOW LONG HAS IT BEEN GOING ON? 1 ) What method was used to ACTIVATE THIS CARD? 2 ) What date was it activated to post these transactions? 3 ) How it was " VERIFIED '' IT WAS ME? FURTHMORE : 4 ) USAA required under FCRA to have a copy of the Original Documentation a Consumer Application & Contract with my Signature to open this account as required under SECTION 609 a 1 A & SECTION 611 a 1 USAA have failed to provide Method of Verification as required under SECTION 611 a 7. This is in Violation of Federal Law. I DID NOT OPEN THIS ACCOUNT. I DID NOT ACTIVATE THIS CARD TO POST FRAUDULENT TRANSACTIONS.
Consumer complaint received 2020-07-13
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. (CA)

Hello sir or madam I read your response on XX/XX/2020 YOUR LETTER STATED YOU DENIED MY DISPUTE BECAUSE YOU DIDNT FEEL LIKE IT WAS FROM ME You are accusing me of not sending the dispute myself. Well I'm sorry there was a clear misunderstanding. However it was me. AT NO POINT IN THE 30 DAYS DID YOU WRITE ME STATING A DENIAL OF THE FACT YOU FELT IT WASN'T ME. THAT WOULD'VE SAVED ME DAYS. 
SO TO PROVE IT WAS ME : Ive attached a copy of the purchase receipt. 
Ive attached a copy of the certified mailing I have the proof of email to reliable self storage for prints to send to you. ( not attached ) A bank statement Not only did I send a copy of the original letter and copy of the certified mail receipt AND I contained a copy of my ID. However No where in any verbiage on your web site EITHER MAIL, UPLOADED or in talking to your representatives does it say I need to send you a bill to verify a dispute so please honor the last dispute. 




It took me a long time to compose everything have it print then stand in line and send it to you. 
And for you to just throw it away or pretend it was viewed it not ok and very unprofessional. 
AT ANY POINT in the 30 days you could have written me a letter requesting additional information to verify anything or request additional information. 

I dont feel like its ok to deny disputes because you feel like someone used a credit repair agency. Even though you have no proof. Its clear that you want to deny me my legal right of a fair 30 day investigation that was never honored but YES if this is not resolved and the changes are not made I will be looking in to around a credit service repair agency that has an attorney for other legal avenues. 



Before it goes to far I will ask once more. I was the one that submitted the dispute you already had 30 days now Please make the changes.
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (NC)

This is the 6th time that I am writing your company about misinformation regarding this rental account. I am disputing the amount quoted. This is incorrect. At the time my eviction, all payments for every month had been made and there is no single month that the complex can prove that rent was NOT paid. The amount being quoted is excessive and an abuse of power and I am seeking legal action. I am demanding a full break down of the charges.totaling the amount you say I must pay. Why is it over {$4000.00}? I have photos on how I left the apartment showing that there were no stains, no paint marks, no broken parts or doors. There was one sofa, less than 50lbs left. Again, all verified by photos.
Consumer complaint received 2018-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (KY)

Company called over and over saying they were collecting debt that was not related to me or my name. I asked them to stop, to remove me from their list, but they keep calling. They say the debt occurred after I have already had this number, so it is fraud or illicit attempts to collect fraudulently.
Consumer complaint received 2015-10-13
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

My mortgage has been a nightmare since my financial distress due to XXXX XXXX leaving me unemployed, force to file bankruptcy to keep Bank of America from taking my home. It took them two years to approve a modification while I was in bankruptcy. Now my bankruptcy has been discharged Bank of America has not reported any of my Mortgage payments for the last year. I was told to write the credit bureaus and dispute this really. My mortgage is {$1800.00} way over my budget I am paying to qualify for refinance. Now it is time to refinance of course Bank of America says no wow because they do n't see a payment history on my credit for mortgage, I am sick and tired I do n't know what to do. I am literally sick and I am limited with fighting with them again. Please help me I am a XXXX veteran with a VA loan feeling trapped.
Consumer complaint received 2021-02-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION (NM)

Lobel Financial Corp was contacted on XXXX XXXX XXXX  regarding inaccurate information being reported to all credit reporting companies. The amount reported on credit reports : XXXX XXXX {$6400.00} XXXX XXXX {$6500.00} XXXX XXXX {$6600.00} XXXX XXXX NA XXXX XXXX {$6700.00} XX/XX/XXXX, XXXX {$6800.00} The amount they have on file is {$4100.00}. They agreed the the reporting amount was in fact different than the amount they have on file. 

They have continued to report inaccurate account balances. As of XXXX XXXX XXXX and more than XXXX months back. They have changed the account from reporting XXXX charge offs now to XXXX charge off. 
They have sent information/papers to file for " identity theft '' which was not requested. But failed to send documents regarding the discrepancy of account details. They are showing alot of inconsistent information, actions, reporting information, and continue to increase the balance due. 

Due to all of these circumstances I would like to request this account be DELETED in law to the Fair Credit reporting Act.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

Citibank dba Citicards RETALIATED against my filing a complaint ( COMPLAINT ID XXXX ) recently against it with the CPFB. Citi has blocked me from making a payment online. Each time I have tried to pay, a message comes on stating " This is unexpected Looks like we're experiencing a temporary technical issue. Please try again later. '' Later never comes day after day. Citi has purposely made it impossible for me to make payments, as I have done in the past, online. This is another corrupt way to obtain late fees by Citi, while punishing consumers for filing complaints.
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (MA)

This debt is a utility bill from a previous residence that included two other individuals that I no longer have contact with. I have payed a portion of this bill some time back and am working under the calculus that I do not owe further monies to this company due to paying my portion. 

Initially, this debt was listed as a collection on my credit report without any identifying information. After disputing this collection a couple of times and my credit report being updated to show the this collection was being handled by National Recovery Agency, I reached out via certified mail stating that I do not believe I owe further monies and to provide me with all account information including balance etc. ( this was taken from a letter on your website ). They signed for this letter on XX/XX/2020 and have not responded to my request. I would like to resolve this ASAP so that it does not continue to affect my overall livelihood.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Army and Air Force Exchange Service (AZ)

XXXXXXXX XXXX began contacting me in XXXX. Sending me dozens of statements and collections. I was unable to make payments due to decreased earning. Once I became stable I was notified that they tacked on a 16 % increase in the debt that was not reflected on the statement. And when I asked they stated that it was just the way it was and that I had agreed to it in my contract and there was nothing I could do. When I requested to begin making payments I was made aware that the interest was greater than what I could pay. When I asked settle or arrange a payment plan that I could handle I was told that they would not work with me. And that my credit would continue to be affected for at least 27 months before they would consider settling.
Consumer complaint received 2020-04-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I did not apply for a auto loan with Bank of America in XXXX of 2018. Bank America has not provided no paper work with my signature nor contract showing my information me applying for a car loan. I have gotten nothing but the run around with fraud by Bank of America bogus made up loan for a auto loan threw them in which i have or did not apply for. If bank of america is so legit why has there been no paper or loan papers provided by bank of america regarding the matter showing my signature and proof. It seems it's just some bogus talk some one is going to call back with no return regarding the matter. I want to see what dealer and my signature applying for a loan with bank of america.Bank of america has not responded to me by no means of no letter or call if so please provide proof by the US Post office of any mail sent certified or my signature. It seems like a lot of games by Bank of america regarding this fraud of a loan in 2018. If bank of america mailed me a letter as they claim or they claim they cant get in touch with me which lie is it with bank of america. One lie after another
Consumer complaint received 2018-06-12
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)

I called Transunion to let them know that I was a victim in unauthorized inquires on my credit report and gave them a list of which inquiries I did not authorize and the representative continued to say that I was not a victim and I did the inquires myself, well If I did them myself I would know that and wouldnt be calling!! So I was in great shock when the representative was not willing to help me at all. Attached are the inquires I did not authorize.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

On XXXX XXXX a payment for {$110.00} Was made to company of Conn Appliances , Inc. which is on time. On XX/XX/2020 a second payment was made of {$99.00} which was a early payment to close out the account entirely. 
Conn Appliances , Inc. Incorrect reported to my credit that my XXXX payment was passed due and that the account was still open. 

Ive tried to dispute the problems with the credit bureau but the only result was the change in account status from, from open to close. I tried a second time and still no success in the removal of the pass due payment. 

Ive fought and fought with Conn Appliances , Inc. over and over to correct the problem but no results. Ive sent demanding letters and have recordings and emails of them owning up to the mistakes made. Ive also have confirmation number to support my payments.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CO)

I received an escrow letter from Truist Bank Mortgage regarding an escrow shortage but no information as to how I can pay the escrow shortage in full if I choose. I have been trying to contact Truist by phone for 5 days now and I am put on indefinite hold for mortgage, tech support, corporate office no matter what number is called. They do not give opportunity for a call back. EMAILS REGARDING ESCROW ARE FROM DO NOT ARE FROM REPLY ACCOUNT. I need help reaching Truist Bank Mortgage.
Consumer complaint received 2021-04-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

In XX/XX/XXXX, I received several phone calls from Rash Curtis and Associates regarding a debt that I owed. I informed the people on the phone that there is no way I have any new debt and that this would have to be from over 10 years ago. I informed them to stop calling me or I will hire an attorney. The amount owed was {$590.00} dollars, which they are asking for over {$1100.00} dollars. I found out from the original creditor that this was from XXXX. This fell off my report in XXXX. Rash Curtis and Associates are trying to say that this is a new credit and re-aging my old credit. I have emails from XXXX XXXX XXXX that state this is from XXXX. I also have an old credit report that shows who owned this before Rash Curtis and Associates. 

I have requested the 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX to remove this from my report. It appears they reached out to Rash Curtis and Associates to verify the account. My understanding is that XXXX XXXX has told them that this account is not re-aging and is committing fraud. I have filed several disputes to have this account removed from my credit report with no success. I have sent a certified letter with all of the documentation to all 3 agencies today, which cost me {$33.00}. 

All four companies need to do better with communication about re-aging debt, as this has been a very trying experience.
Consumer complaint received 2019-05-14
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: SYNCHRONY FINANCIAL ()

I was recently notified that there was a hard inquiry on my credit report from Syncb/ppc ( XXXX, MD ). I learned that this is related to my PayPal Account, which I created a month ago only for an XXXX purchase. I was told that a credit account was established under my name. I never initiated a credit account and believe this is likely a fraud situation. Paypal said they would look into it, but I never heard back.
Consumer complaint received 2024-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (CA)

In 2020 I received service from XXXX in the form of ambulance ride to the hospital. I paid off the bill completely. Out of the blue I just received a bill from Phoenix saying I that I owe {$100.00}. I can not access records from XXXX XXXX XXXX older than XXXX  months online. I'm XXXX and XXXX. This is a severe hardship for me. I do not understand WHY I have not been made aware of this debt before now. I believe this is an attempt to scam me