davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

My payment had gone up due to my insurance increasing by {$400.00} a year, so I switched insurance in XX/XX/2018. My insurance assured me everything would be taken care of. 
In XX/XX/2018my payment was increased even more. after further investigating I found out onmy own that the mortgage company had paid for two different insurance policies and did not inform me of this rarity. 

I requested a refund through my original insurance and it was returned to me. In XXXX I paid the full amount to my mortgage that was returned to me. After several months of receiving notices that I owed XXXX $ amounts I called and was left on hold several times and being disconnected due to long waits. Finally I was connected to a service representative but she told me there was not any documentation of me making any such payment. Under duress I paid an extra amount of {$1300.00} on XX/XX/XXXX assuming I would pay my regular amount in XXXX. 

XXXX comes around and they still say my payment is {$1300.00}, which is {$200.00} plus my regular payment. 
I get a login to their website and find that the payments are documented, and I try to call to no avail. I tried to contact them 3 different times and put on hold. Finally after the fourth try I gain contact and was told they could not help me and I would need to be transferred or I would need to call back. 
I find this completely unacceptable considering they created this by their system failure of paying two different insurances and the fact that I can not reasonably contact them without hour long wait times and most times not even being able to talk to someone. 

I requested they accept the extra payment as my XXXX payment and they told me I would have to be transferred again. 
I need some closure to this fiasco and the company is just running me around to different departments until I agree to pay a hire mortgage payment.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (FL)

Please see the attachments for a full description and all documentation. Gemini transferred XXXX XXXX and XXXX XXXX that I did not authorize and did not receive any notification for the transfers. Neither I nor could XXXX stop or freeze my account. Gemini had TOTAL CONTROL over the situation and could easily have mitigated and even ended the hack the by having a secure system and telephone support. They have neither. Due to their lack of telephone support and insecure system that did not track any unusual activity, it took Gemini an hour and one half to freeze all accounts resulting in losses of XXXX XXXX dollars in XXXX coins and cash. Gemini has NEVER responded to all the questions found in the attachments.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third party verification systems such as XXXX, XXXX, XXXX, etc. These systems are sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the FCRA mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief ''. Any case, civil or otherwise, which is dismissed, no longer exist in the eyes of the law, and a case filed may never have been actually adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the FCRA you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your promptness in this matter.
Consumer complaint received 2019-12-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

To whom it may concern ; I am extremely disappointed in the service I have received from XXXX XXXX at Lakeview Loan Servicing LLC -subservicing by XXXX . From his lack luster responses, attitude and basically threatening to remove my refi application just because I asked to talk to a supervisor about a better rate since the Fed had cut the rate and I am getting offers in the mail that are much better and sent him a screen shot of one of these offers over the mail. The fact that he refused to transfer me to a supervisor, threaten to remove and probably did my application, and offered a way over 4 rate, when the rates are at 3+ %, makes me believe this institution maybe conducting in a predatory lender way and should be investigated. Please help. I am an existing customer and the loan in question is Loan Number : XXXX. 

The service office and name of the threat making rep that was handling my refinance : XXXX XXXX Mortgage Loan Originator,  NMLS # XXXX Any help is appreciated. 

 Thank you! 

 Best regards, 
 XXXX
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Delete closed account from my report XXXX XXXX XXXX XXXX XXXX Balance Updated Last Payment Date Paid Off Monthly Payment Original Balance Terms Responsibility Your Statement : Auto Loan XX/XX/XXXX Closed Paid, Closed. 
XX/XX/XXXX XX/XX/XXXX {$30000.00} XXXX XXXX Individual
Consumer complaint received 2019-12-06
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (OK)

The debt collection company, EOS CCA/US Asset Management, in an attempt to collect debt from me mailed me a letter on XX/XX/19 with the information of another person 's debt. I now have that person SSN, Address, DOB, phone numbers plus their cosigners SSN, address, DOB, phone numbers. This makes me worried that my information is at risk too. The company initially reached out to me a couple months ago saying that they got my debt from another company but I didn't hear from them for a few months, I know they are supposed to reach out within 5 days to collect the debt and give information on how to dispute it, and now I am worried that they were sending out my personal information to the wrong people.
Consumer complaint received 2023-09-19
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

This is a follow-up to a complaint filed in XXXX, 2022, Case Number : XXXX ) for Loan No. : XXXX. Although Citizens Bank did respond by recapturing the steps in this case from XXXX through XX/XX/2022, when the loan modification was finally approved, the letter did not discuss what steps, if any, would be taken to remove the delinquent information from my credit report. The attached documentation discusses the reasons why I believe the negative reporting was totally unjustified, as I was told that customers would not be penalized pending a loan modification, and to continue making the monthly payments. I also received letters stating only the balloon payment will be accepted. 
Not one delinquency letter stated I had to make the balloon payment in the amount of {$85000.00} or this loan would be considered delinquent. It was stated in the XX/XX/XXXX letter that the total amount would be due on XX/XX/XXXX unless alternative arrangements had been made -- which I did by applying for a loan modification. The foreclosure letter dated XX/XX/XXXX, stated I needed to send {$1500.00} to cover XXXX and XXXX 's payment by XX/XX/2022, to prevent foreclosure. Yet, my credit reports show I'm 120 days late paying this account for a total amount of {$3100.00} which represents {$770.00} for XXXX, XXXX, XXXX and XXXX -- -- -payments they did not accept. Why I should I be penalized for monthly payments I consistently tried to pay, but they could not accept? I was probably one of their best customers -- -never over 30 days late in 15 years. Why should they be allowed to ruin my credit when I complied with every request in a timely fashion. Unfortunately, it took almost 6 months for Citizens to receive a 3rd party valuation, that I even offered to get and pay for, but of course that was not allowed.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Specialized Loan Servicing Holdings LLC (WA)

We have called SLS to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX  some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. SLS refused to talk to XXXX  about the situation.

I have never filed bankruptcy nor before this issue have I had any issues with my credit.

XXXX  has resolved the issues and fixed my credit back to 100 %. SLS has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.
Consumer complaint received 2023-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (GA)

JP Morgan Chase Bank has been furnishing an alleged debt. The debt is inaccurate and outdated. I did not receive my 1099-C for IRS tax purposes. I also request ALL documentary evidence pursuant to 15 USC 44. I want to know how much this alleged debt was sold for. What personal and private information of mine was sold to XXXX XXXX, XXXX. 15 USC 1681a ( 2 ) ( A ) ( i ) the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This is a violation of XXXX compliance. 

see the attached letter for further details.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-12-06
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: Experian Information Solutions Inc. (NY)

I am disputing the following accounts with Experian XXXX, and XXXX   because i have been victim of identity thief : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SB XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JRCM, LLC (MD)

I had a fire at my house in 2006, surfpro did the clean up. The insurance company paid them. The hired a collection agency to collect, the company forgot about the bill that was XXXX dollars the agency added XXXX which put a garnishment in my account XXXX XXXX said the garnishment, it's supposed to be XXXX XXXX XXXX dollars and they sent me a letter the the agency made it to XXXX XXXX XXXX dollars within five more day. That's price gouging. I told the company my wife just passed i had XXXX. And I went XXXX in XXXXXXXX XXXX  I haven't worked in three years. The name of the company JRCM IN XXXX
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I made a purchase in USD with a non-US company ( XXXX  ) using their US website. I should not have been charged an FX fee based on online information on the VISA and XXXX websites. However, I was charged a material FX fee. I would not have made the purchase had I known I would have been charged an FX fee, and, if I had to make the purchase, I would have used a different card.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

During covid outbreak I was unemployed and could not make my rent payment to XXXX XXXX, I was talked into staying and trying to catch up on rent, then I was put on President Trumps " No Eviction '' plan, then after it all was in fact evicted. Ive reported this to all 3 credit reporting companies and only 1 has taken down the unconstitutional collections that the XXXX XXXX  claims I owe, even though I had a legitimate reason that I could have broken my lease when I was not behind in rent but talked into staying, put on the program and then evicted against the Presidents wishes. I still have no real employment but manage to survive by way of free campgrounds and odd jobs because I can't get vaccinated because of XXXX and cold, and my main work was with the public. And now Experian won't even let me dispute this. Thank you.
Consumer complaint received 2022-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I spoke with Penny Mac Representatives today dated XX/XX/XXXX. 
XXXX initially helped me but then transferred me to Senior Representative XXXX. 
After more than an hour on phone, my requests were not resolved. 


I faced this issue every year with Penny mac.

Last year, PENNYMAC LOAN SERVICES , LLC made the changes, I pro-actively requested, however, on my XXXX, XXXX mortgage bill and online payment system, they AGAIN revert back to the original old, faulty increased amount which was concurred by PENNYMAC LOAN SERVICES , LLC that they will adjust and reduce. 
It is extremely time consuming and painstaking to keep track, reach their representative on phone and request these changes repeatedly. 

every year, i call and get the escrow analysis revised because of errors such as added reserve to escrow etc. I am monitoring, tracking and reporting since XXXX. 
since last year PENNYMAC LOAN SERVICES , LLC moved the escrow analysis date and forced me to pay additional amount in their every year increase in the month of XXXX and onwards. 
i have to be pro-active to make sure 1. i request escrow analysis 2. PENNYMAC LOAN SERVICES , LLC do not send hard copy of escrow analysis even after i repeatedly requested.

3. i have to find errors and request every year to revise the escrow analysis i need to make sure PENNYMAC LOAN SERVICES , LLC correct their ways of conducting business with transparency and disclose information in timely manner. 
i request PENNYMAC LOAN SERVICES , LLC to revise once and for all their method of calculating escrow analysis to avoid this ongoing yearly challenge. 

Request : Requesting actual escrow account breakdown to account for the actual payments in every year payments of months of XXXX, XXXX, XXXX and XXXX. 
Need to calculate accurate Reserve Escrow Balance Need to revise Escrow Analysis Statement Requesting to receive hard copy Escrow Statement generated on XX/XX/XXXX. 
Requesting to receive revise hard copy Escrow Statement to be generated. 

thank you, XXXX
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

DEPT OF ED/XXXX  Is showing up as late payments when they should in fact be up to date. Additionally, the payment dates on the loans are incorrect, and show different balances as well as dates. If the information was reported from the same company. All information Pertaining to the loans should reflect all the same information. Due to inadequate information Im asking that these items be permanently deleted from all three credit reports.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have recently found out that negative information apparently appears on all XXXX of my credit reports that is being provided to lenders, HOWEVER the monthly credit reports that I pay a fee for every single month to access my credit reports to monitor shows I have XXXX negative accounts or information in my credit reports, any negative accounts I would have had on my credit reports were from 2011 and would no longer be allowed to be reported, yet I keep getting denials from credit applications with statements such as " derogatory public record or collections '', but again I pay a monthly fee to each credit reporting agency to be able to view my credit reports, you know " see what lenders see '' and every single of my credit report I have credit scores in the XXXX range, yet somehow keep getting applications for credit denied for negative information on my report, so it clear what the credit reporting agencies are sending to lenders does NOT match what myself is being provided and I am paying for monthly, under the FCRA there should be XXXX negative information on all 3 of credit reports that is being provided to lenders, credit reporting agencies have the power to destroy a persons life a families life and it has been made clear they do not take that power very serious, I have reached out to all 3 credit reporting agencies several times over the last few months once my applications I were submitting to lenders was being declined due to incorrect information being provided, even filed XXXX complaints and still to this very day NOTHING HAS BEEN DONE OR CHANGED
Consumer complaint received 2021-01-26
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. (AL)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I want this FRAUD ACCOUNTS removed ASAP!