davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

I contacted US Bank in XXXX in regards about removing my PMI and all I was told was an appraisal needed to be completed. I was in the process of refinancing my home, which an appraisal was ordered by a third-party. For personal financial reasons I decided to not refinance and but instead have only my PMI removed. Beginning in XXXX I began contacting US and spoke with several different people, was told my calls/emails would be returned, to which they never were. I continued to have to call and wait on hold and explain my situation to every new person I spoke with. The first week of XXXX I finally received a letter regarding how to remove PMI a month and half after my original request, and it did not include the information I was originally told when I first called in XXXX. I contacted the local branch in my area and they too said someone would call me, no one ever did. US Bank is refusing to remove my PMI even though my appraisal states the requirements for PMI removal have been met my house appraised over {$30000.00} the amount US Bank required. As a customer that has never missed a payment, this customer service is unacceptable. In addition, each time I called I was told I could easily have the PMI removed by either paying {$20000.00} or refinancing, neither of which is in my best interest for personal financial reasons. Removing my PMI would no longer give money to US Bank, which I why I assume they are making this process so difficult. Below is a timeline of all my attempts to resolve this issue with US Bank. 

Mid-XXXX  2020 Contacted US Bank about removing PMI and was told all I would need was an appraisal. 
XX/XX/2020 Called again and was told a letter was sent on XX/XX/XXXX ( from my call in mid-XXXX  ) but I had still not received the letter. I was told the PMI would not be removed even though my house appraised well over what was required. 
XX/XX/2020 Sent follow-up email about appraisal and received no response. 
XX/XX/2020 Contacted US Bank again and was told a Supervisor, XXXX XXXX ( XXXX ) would call me on the XXXX or XXXX. No call was received. 
XX/XX/2020 Contacted a local US Bank branch was told I should just refinance ( again ) and a supervisor would call me. No call was received. 
XX/XX/XXXX Finally received PMI letter XX/XX/XXXX Contacted US Bank again and was told my appraisal was rejected by a vendor they use and my house appraised {$30000.00} over their required value. 

My PMI is {$72.00} a month and US Bank refuses to work with me. Why?
Consumer complaint received 2020-05-13
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$180.00} XXXX XXXX {$9500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED
Consumer complaint received 2020-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TRANSUNION CREDIT BUREAU REPORTING : XXXX XXXX  ( XXXX ) - REPORTING NEGATIVE TRADELINES ON MY TRANSUNION CREDIT REPORT REQUESTING REMOVAL OF ALL NEGATIVE LATE MARKS
Consumer complaint received 2023-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (VA)

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. This collection found within my credit report 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 2023-01-12
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: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

My mortgage loan was sold to Loan Care, LLC effective XX/XX/2020. I tried to make a payment on XX/XX/XXXX but was told it would take until XX/XX/XXXX for everything to be finalized and verified but starting XX/XX/XXXX I could set up payments. I was also told that legally after a loan servicing transfer, the consumer has up to 60 days to get the payments set up without fees or penalties. I received an email on XX/XX/XXXX stating the loan was transferred and verified and I could set up payments. On XX/XX/XXXX, I set up a payment through a third party payment service and the mortgage payment was to process on XX/XX/XXXX and reach Loan Care on XX/XX/XXXX, that is LESS than one week from when the loan was finalized by Loan Care. On Monday, XX/XX/XXXX, I received a voice message from Loan Care to call them. I called and they were asking for a payment. I told them it was only four days since they finalized the loan and two of those days were weekend days. The rep said the call was an auto call and I should disregard it and she would take the info off my account. Two days later, XX/XX/XXXX, I got another voice message to call Loan Care and I called them back and yes, they are calling about a payment! This is harassment! Two days a part and I had already been told it would be taken off the file, as well as being told I had 60 days to set up a payment! The rep on Wednesday, XX/XX/XXXX, told me to disregard the call ; the payment had been received! Calling two days a part for a payment is harassment and it is magnified by the fact that Loan Care didnt have the loan finalized until XX/XX/XXXX AND we are in the middle of a pandemic! If this is how Loan Care does business they need to be shut down. They should not be servicing loans AND be a debt collection agency. That definitely blurs the lines for them and in my opinion creates a conflict of interest. They service a loan but do business like the debt collection agency with the mortgages they service. On a side note, I did not pick Loan Care for my mortgage. My mortgage was sold to them by XXXX XXXX. They also need to follow the law. Sixty days to set up payments without fees or penalties according to the law, not four days!
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Case Number : XXXX Amount : {$100.00} Capital One did not adjudicate my billing dispute properly, placed order with merchant, it was for a delivery of food, it is well known through a simple XXXX search that merchant treats the delivery drivers horribly, thus, leading to delivery drivers rushing in an attempt to make a living. As mentioned, in my original dispute submission, delivery driver XXXX was rushing and dropped the open bag of food on the outside sidewalk. The cheap flimsy containers opened up on the ground. 

Therefore, the delivery driver took the entire order back with him and advised me that he would cancel the order in the system. It is obvious that as a customer, I followed through and received verbal confirmation from the delivery driver who " represents the merchant ''. Obviously, the delivery driver isn't able to give me any type of a cancellation receipt as the merchant doesn't supply the delivery drivers with this and nor do they require it from the delivery drivers.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

Summary : On XX/XX/2020 I closed a joint checking account due to divorce proceedings to mitigate the possibility of charges hitting the account. On XX/XX/XXXX a charge appears on the account which was closed and the account is apparently open again. I have attempted to address this with TD Bank via secure email, and the phone numbers published on a collection letter I received XX/XX/XXXX. No response from the secure email, and phone number does not lead to anyone that I can speak with about the issue. 

Details : 1 : XX/XX/2020 Closed Account ending in # XXXX at a TD Bank location The reason for closing was to end a joint account to protect me from possible charges from my soon-to-be wife I XXXX  out the account 2 : XX/XX/2020 I was refunded an over payment of {$19.00} on the closed account. This was due to overpaying to XXXX  out the account on closing. 
3 : XX/XX/2020 the account appears open with a - {$140.00} charge on the closed account.

4 : XX/XX/2020 I send a secure email to TD as instructed through the mobile app to find out why this account is active with no response.

4 :XX/XX/2020 TD Charges me a {$15.00} maintenance fee for the closed account 5 : XX/XX/2020 I receive a collection letter from TD Bank for collecting {$140.00} I call the number provided in the letter, the individual tells me theres nothing they can do and the account appears open and there's no-one I can further speak to about this. I have no way of speaking to someone about the failure to close the account.
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (KS)

When XXXX XXXX and XXXX  XXXX XXXX reported incorrect balances it took my credit score down 85 points. When the bureau updated they gave me 2 points. I would like ALL of my lost point restored. I am trying to purchase a home and dont have much credit anyway, so my credit it very important to me. XXXX reported a late payment after they gave me an extension due to COVID and I have the letter. I want it removed and the points taken for that restored as well.
Consumer complaint received 2022-06-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (PA)

Hi, I XXXX XXXX mailed out on XX/XX/XXXX, XXXX XX/XX/2022 and XX/XX/2022 correspondences to Great Lakes Educational Loan services via certified with return label pertaining to the student loan debt listed on my credit report across all 3 bureaus. XXXX listed one of my student loans as charged-off and US Dept of Education is not responding in which the servicer Great Lakes is acting on their behalf as they serviced the loan. It's to my understanding I asked this company for the original instrument of indebtedness in return for full payment of these loans in which I will attach below. Till this day XX/XX/2022 I have not seen the requested documentation I have requested in direct and immediate exchange in which if they are able to provide this I will accept payment in direct and they have failed to provide anything pertaining to this document or speak about this in exchanges between us.
Consumer complaint received 2021-12-08
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: SYNCHRONY FINANCIAL (NC)

Synchrony Bank XX/XX/2021 XXXX XXXX. XXXX XXXX XXXX, FL XXXX RE : Home Design & Safe Streets XXXX XXXX Your Account # XXXX Please note this is the LAST time I will be personally trying to contact you ; if this information does not get through to you and I hear from you XXXX more time you will be dealing with my attorney!!! 

I have repeatedly disputed through the credit bureau 's, as well as filled out a complaint with CFPB last XX/XX/XXXX, trying to resolve this fraud issue with you!! 

I have NEVER heard of or had any business with the above companies!! I have found XXXX cards that were mailed to me, but as you can see they were not activated and never used!! There is also a copy of a bill enclosed which I missed ; usually I return them to you telling you they are NOT MINE!!! 

I have had Fraud several times on my bank debit and credit cards, as well as my Amazon account. Obviously there is a mistake or fraud with the above companies as I have never heard of them, let alone done any business with them. 
This letter and enclosures best be enough to end this issue once and for all!!! XXXX XXXX cc : XXXX XXXX Bank XXXX CFPB XXXX XXXX Consumer Assistance XXXX Enclosures
Consumer complaint received 2020-05-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (AZ)

I was informed by mail that XXXX XXXX has purchased my mortgage loan. 
I submit a request for an accounting, a request regarding a list of collateral, and a request regarding a statement of account. In addition, I request a payoff statement. UCC 9-210 A secured party that claims a security interest in all of a particular type of collateral owned by the debtor may comply with a request regarding a list of collateral by sending to the debtor an authenticated record including a statement to that effect within 14 days after receipt. UCC 9-210 A debtor is entitled without charge to one response to a request during any six month period. UCC 9-210 If requested by the account debtor, an assignee shall seasonably furnish reasonable proof that the assignment has been made. Unless the assignee complies, the account debtor may discharge its obligation. UCC 9-409 The assignee acquires corresponding rights under the modified or substituted contract. The assignment modification is a breach of contract by the assignor. UCC 9-405