davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-02
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: PMGI, LLC (CA)

PMGI , LLC has made three ( 3 ) illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PMGI , LLC Made on : XXXX Made with : XXXX  Made by : PMGI , LLC Made on : XXXX Made with : XXXX Made by : PMGI , LLC Made on : XXXX Made with : XXXX  I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MidAmerica Mortgage Inc (FL)

A house I purchased on XX/XX/XXXX used a downpayment assistance grant subsidized by the Florida Housing Corporation. The Promissory note states that the Grant, amounting to {$15000.00} is to be forgiven in increments of 20 % on the anniversary of the signing so that on the 5th anniversary the debt is 100 % forgiven. Until the grant is forgiven, it stands as a second lien on the title. If the property is sold or the 1rst loan is abolished for any reason before this 5 year period, the remaining balance must be paid in full upon the 1st liens abolishment. On XX/XX/XXXX, I requested for a refinance of the property along with a payoff statement from the loan handler Mid America Mortgage. They claimed that the second mortgage did not exist. I then proceeded to call the Florida housing corporation ( FHC. ) to see if they still held the debt. It turns out that the loan was originated by XXXX XXXX, but FHC. never assigned the lien to a collector. Upon the realization that they forgot, on XX/XX/XXXX of XXXX an " Assignment of deed of trust '' was issued by FHC to XXXX XXXX. The following day, XX/XX/XXXX XXXX XXXX reassigned the trust to Mid America Mortgage ( MaM. Finally, on XX/XX/XXXX, MaM recognized they owned the trust of the second lien, however they refused to release a payoff statement stating they did not have the proper paperwork and that it was in their special loans department. I called again on XX/XX/XXXX at XXXX XXXX  EST where a customer service representative guaranteed the issue had been resolved and that the payoff would be released that day of the following. No Pay off was released in the next 36 hours so on XX/XX/XXXX at XXXX I called again. I requested a supervisor who once again told me that they didn't have the proper paperwork on the trust and couldn't release the payoff. Now I've paid for an appraisal that's expired because these guys cant process their loans correctly. There is no foreseeable end in sight, they keep denying that the paperwork even though they acknowledge public record shows the lien is in their trust. 

What am I to do and do they owe me a new appraisal for going past the 30-day limit? I can I get out from under this house?
Consumer complaint received 2019-04-04
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: HUNTINGTON NATIONAL BANK, THE (MI)

I have a loan with HUNTINGTON NATIONAL BA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HUNTINGTON NATIONAL BA  with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX XXXX, 2020 I went to XXXX to begin taking control of my credit. Upon reading, I decided to get a report from Transuion first, after reading I can get one per year from each of the 3 big unions. 

I went through their site and because it is Sunday I have no customer support, but I had no idea I had signed up FOR ANY SUBSCRIPTION until i got an email stating my receipt for {$24.00} to reoccur monthly. 

I canceled my subscription through the website, which had me reauthorize twice for no discernable reason after already being logged in ( confident it was a loop ) and will be disputing the charge on my credit card, but this experience was disgusting, and I believe totally unethical.
Consumer complaint received 2020-02-02
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2020-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I open a Victoria Secret 's card in XXXX of XXXX with a limit of XXXX and used it fairly often since. I have always paid over my minimum payment and have never made one late payment, I have even made double payments multiple times. On XX/XX/XXXX I had about XXXX in available credit so I made a purchase online for XXXX, which should have put my balance up to about XXXX. At XXXX with a credit limit of XXXX I should have still been under the limit. On XX/XX/XXXX I recieved and email stating I received a secure message to log in to my card account to view. When I check this message dated XX/XX/XXXX it states my credit is being decrease to XXXX claiming because of a change to my credit score. The next day XX/XX/XXXX I recieved another email stating my statement closing XX/XX/XXXX is ready to view. So I check it and I see the new decreased credit limit is showing on this statement ( two days prior to the letter ), and that I have available balance of XXXX dollar as of XX/XX/XXXX. I'm very confused for two reasons, first because well ok credit scores change all the time, but there are mistakes all the time. I understand credit companys use these tools to decide who and who not to extend credit to but I not applying for a new card I am card holder for close to a year now and I have proven to this company my credit worthiness with early and over minimum and even double payments. I have never gone over my limit or made a single late payment. How exactly does a random change to my credit score nullify all of that. Secondly why did my account show my limit as XXXX on XX/XX/XXXX if it had already been decreased? And why was I not notified until the XXXX? Why would a company lower my limit the same day or two days after ( which ever is actually true ) that I made a purchase that left my account balance over XXXX dollars over my new decreased limit? This bank has completely screwed me over, now I am going to be forced to pay close to XXXX by my next bill closing date just to be barely under my limit so I don't recieved an over the limit fee, an extra charge and my credit will not be dropped to a lower score because I have used all of my available credit. This is wrong, I can not believe this is legal.
Consumer complaint received 2020-02-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a credit limit of {$300.00} -This is not my account.
Consumer complaint received 2020-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NV)

Shellpoint Mortgage Servicing attempted to foreclose on Homeowner in the midst of discussing a foreclosure alternative with Homeowner. 
When a loan servicer is engaged in discussing a foreclosure alternative but proceeds with foreclosure -- this is known as " dual tracking. '' Shellpoint recorded a Notice of Default and Election to Sell. After complaining that Shellpoint violated Nevada 's Homeowner Bill of Rights, the Beneficiary of the Deed of Trust recorded a Rescission of the Notice of Default. 
Homeowner is now beginning a new foreclosure alternative process and is sending a Request for Information in accordance with state and federal laws, attached.
Consumer complaint received 2020-02-01
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. (VA)

This is an updated complaint to Complaint # XXXX. XXXX and TransUnion continue to report inaccurate information after their investigations. 

Confirmation # XXXX dated XX/XX/XXXX, from XXXX  shows inaccurate information with XXXX XXXX XXXX for 2 accounts : Account # XXXX and account number XXXX. 
Account number XXXX has been changed to less than the true amount paid which was XXXX. It is now reduced to XXXX. 

Account # XXXX, this account should have closed XX/XX/XXXXper my original request, payments were made on this account between XX/XX/XXXX and XX/XX/XXXX that are un accounted for with no explanation by the creditor, leaving the amount owing, dates of service and past due amounts-if any? both erroneous, tainted and proves no actual investigation done from either agency.
Consumer complaint received 2020-02-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (CA)

I leased a XXXX XXXX from XXXX XXXX ( Bankrupt ) on XX/XX/XXXX. The Lease included an Extra Wear & Tear Policy ( WSWEAR ) by XXXX of the XXXX XXXX for {$690.00}. 

I returned the car on time and paid all monthly payments. Then GM Financial billed me {$620.00} for XSWEAR + Disposition Fee {$390.00} + taxes on that fee. I paid them {$570.00} because paying taxes on the Disposition Fee seemed ridiculous to me ( paying taxes on a Fee? ). 

XXXX paid them directly {$230.00} for my XSWEAR so that now they got overall of {$800.00} to MY name! Thus, according the GM Financial, THEY OWE ME XXXX-XXXX = {$180.00}, and they ignore my requests to pay me that balance!!! 

GM Financial are CROOKS!!! They are trying to take advantage of the fact that I am a Senior Citizen who can't afford the time and effort required to deal with such crooks!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2020-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (VA)

I am would like to file a complaint against American Express. I have received the worst treatment from them. I had two accounts with them that were both in good standing. They have recently closed one of them due " changes in my credit file '' yes my utilization has gone up but I have 100 % on time payments. Then to add salt to the wound they decided to lower my credit limit. I have never been late with them or anyone of my creditors. Yes, I have a lot of usage on my accounts but they offer rewards and other perks so that's why I use my accounts. I have recently got a raise from my job and decided to request a credit limit increase on the one account I have left with American Express instead they decided to lower my credit limit from $ XXXX to {$800.00}?? They are my lowest credit limit I have limits from $ XXXX $ XXXX on my other creditors. I have called customer service and get the run around from them. I am very upset that they do not value me as a customer. I spoke to a supervisor today XX/XX/2020 who said I need to send in documentation for my account to be re-reviewed. I am not sending in anything I don't feel like I have to go through hoops when I have been in good standing. I will just pay them what I owe at this point. I extremely dissatisfied that my level of business is not good enough for them but my other creditors seem to appreciate me. Please look into this
Consumer complaint received 2020-01-18
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 (FL)

Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that Fifth Third Bank had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with Fifth Third Bank 's customer service representative who explained that Fifth Third Bank had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite Fifth Third Bank failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I originally applied for the Capital One Spark Business Visa, the most basic one for people with " average credit ''. I provided all the information needed to prove my identity. They stated that because of my address on the application not matching the Articles of incorporation, and other documents that were listed in their primary identification category they used " Government Regulatory Rules '' as the reason for my denial because of the regulation that says a financial institution " must know the customer ''. I provided 2 bank statements one for XXXX Business Checking account in XXXX, TX and one for our XXXX Business Checking Account in Arkansas. I faxed a letter explaining my address situation, they stated on the application process that they needed my physical address and that Mail Box Service addresses were not allowed. So I, in turn, used my home address in XXXX, TX. I finally spoke with a supervisor agent in Virginia, and she advised that she has " seen this problem '' happen 1,000 times. Those are her exact words. All calls should be recorded and be verifiable. The fact that she also said she knows that I am a legit person and that my information does match, but that the address was different on the application they would not allow this to go through. I also have two other accounts with Capital One, a consumer Platinum Master Card, and an Auto Loan. They have enough personal and private information on me to verify my identity and this is an abuse of the consumer, our credit reports, and a lack of the business not being a true financial service trying to help out its community as this is a small business product and would help my business needs in providing services to my local and extended community. I have worked in XXXX  and XXXX  XXXX  for over 15 years and remember the days when a loan officer could fill our a sheet of paper and waive the customer 's credit report just because they said they wanted it waived because they " knew '' the customer. I was originally approved and now I'm having to have a ding on my credit report, and no credit card to justify the ding on my report. I reapplied today with everything listing the company 's address. This is application was denied immediately. So now this is another ding on my credit without a thing to show for it. I'm beyond escalated and this apparently is not happening with just me. It's got to stop, Financial Institutions can not hide behind regulatory laws just as an excuse to not take an extra step and deal with the problem, they could have compared everything and made it happen by doing a true review and not just glancing at a name and address on my documents. Application ID XXXX
Consumer complaint received 2020-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

I cancelled the service, but I was still billed. I also returned the phones via XXXX XXXX XXXX XXXX, Texas and they never credited the phones. Their services were misleading because I was told that my rate will stay fix, but it kept changing every month. I decided to cancel and switched to XXXX ( much better company by the way ), so they charged me {$1800.00}. I have complained to Attorney general Kansas and nothing was done. I am sure other people have experienced the same misinformation. I was mislead to believe that I had a veteran rate, but it took a longtime to issue that. I was also mislead family plan I signed up which they kept constantly changing.
Consumer complaint received 2020-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with XXXX XXXX  and Transunion for months now. I have sent numerous letters asking for these accounts be investigated and once verified show proof of their right to post those accounts on my credit reports. I have showed indisputable proof from the IRS that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information. XXXX XXXX and Transunion continue to violate my rights as a consumer to have these accounts that are not mine deleted, or show proof that they have the right to have these fraudulent accounts on my credit reports. Transunion already deleted 2 out of the 3 accounts but XXXX  and XXXX  refuse to do so.
Consumer complaint received 2020-02-01
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: Resurgent Capital Services L.P. (MA)

LVNV Funding will not provide full debt validation in writing when I have repeatedly asked for it. 
They claim that I owe them XXXX after purchasing this old debt from XXXX XXXX  XXXX XXXX XXXX. 
I have gotten nothing but hung up on when calling this collector. 
XXXX  will not fully investigate this matter. Perhaps my choice of verbiage when filing my dispute was considered inferior, because I filed a 2nd dispute online today and as soon as I hit send, I received an immediate message from them informing me that I could not dispute this item again, as a recent dispute was just closed. 
This is indeed maddening. 
I am not being given full proof or validation to substantiate the decision backing the validity of this debt. 
LVNV reports that the last 4 numbers of the account end in XXXX, and that the status of the account is closed. 
The most recent negative report date by them being today, XX/XX/2020. 
Also XXXX  XXXX  / XXXX XXXX XXXX, and Resurgent Capital are reporting on this same account as well. 
I did not think an account could be double or triple reported whether the account was accurate or not. 
XXXX  XXXX  XXXX XXXX XXXX has sold this account to LVNV some time ago. 
I have no account number from when it was owned by XXXX XXXX  / XXXX XXXX XXXX. 
Also an interesting thing to note about this account, is that it has no data available. No payment history whatsoever. 
Yet XXXX  XXXX  XXXX XXXX, Resurgent Capital, or LVNV insist it is my account, and it is being reported that it is a collection account at all three credit reporting bureaus by one combination or another of the aforementioned companies.