davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (WA)

To whom this may concern, I am in the most unjust situation. This is actually the second time I have complained and nothing was done. I have proof that I was given a loan modification with all the escrow built into the loan, with my rate and I paid Home Owners Insurance through my HOA. So after I refinance by accepting the loan modification ( we fell under hard times but recovered ), they then sell my loan. The new company was fine, but they kept asking me to provide insurance proof and I did, but it did not go through, so they placed lender placed insurance on my house. I then appealed and proved I had HOI through my HOA, even though it was exceedingly difficult. Then they said they accepted my insurance, but then sold my loan to my current company, SN Servicing Corp. 

Ever since SN Servicing Corp took over my loan, they have destroyed my credit! My last lender evidently did not resolve my unnecessary escrow balance for unnecessary insurance, which I provided the proof I didnt need. 

They then tell me I somehow still owe them for the escrow imbalance that they inherited from my last company. You would know this because I had always paid my escrow through my lender and I did not need insurance, so there was no escrow balance. It was from the last lender 's misunderstanding and we fixed it and I should have been given a credit. Nonetheless my new lender said I had to pay {$900.00} and I did. Then they said I owed {$1500.00} and my payment would go up a little over {$200.00} a month for " taxes '' increased, which is impossible, because I checked with my city hall. You mean to tell me I am supposed to pay {$700.00} a month in escrow just for taxes and mortgage insurance ( because I dont pay HOI through escrow, I pay through HOA ) when before it was never more than {$300.00} at most. 

Yet, I had been paying my new proposed payment which increased by over {$200.00}, yet because of this unjust and unnecessary escrow imbalance, they now say I owe over {$8000.00} to be current! This is insane! This is not fair! I have documents to prove all of this. My credit is being destroyed and becoming indebted beyond being able to catch up, all while never missing a single payment and even paying the increased monthly payment of over {$200.00}.
Consumer complaint received 2021-06-10
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. (TX)

HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS. ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE.I SENT A LETTER REQUESTNG THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACOOUNT THAT I HAVE NOT RECEIVED. I HAVE DISPUTED 2 TIMES. ALL THREE BUREAUS ARE IN VIOLATION ON 15 USC 1681B. XXXX XXXX XXXX {$27000.00} I HAVE BEEN DISPUTING SINCE XX/XX/2021 ACCOUNT NUMBER- XXXX.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MD)

on XX/XX/XXXX my PayPal account was hacked and 2 of my checking account are now compromised! I have XXXX for those account and they have been working with to resolve the recurring charges! 
The main problem I have no way of contacting PayPal I can't do it through their site but all my info on my PayPal has been changed and my info is gone! A few week back I got an email from PayPal that I added a new email? I tried to contact them abought this and never spoke to anyone! it is now XX/XX/XXXX I have called every day since XX/XX/XXXX except for XXXX and XXXX XXXX 's day! I get hung-up on every call! I have no way of contacting them about canceling everything! the charges keep coming!
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

Today on XX/XX/25 I spoke to two representatives both who questioned me while sick and while I lost my job due to my illness questioning me about my future. 

They have failed to document my account with the facts for years which is that I never graduated XXXX due to a recession, false information provided by the school, and XXXX giving out more loans than they knew I could actually pay back.. those are the facts.. they have been harrsssing me for years even while Ive been sick they have harassed me.. I wish for them to no longer contact me unless it is documented. I also would like a full record of the communication transcripts between me and their representatives because I plan on matching it up with my documents and using it fully against them. And they can also take me to court .. and Im not talking about small claims court either.
Consumer complaint received 2022-09-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

This all started on XXXX XXXX. I received a letter from Pennsylvania Dept of Military and Veterans affair. XXXX Regenal office XXXX. The letter is for tax exemption, on XX/XX/2022, I faxed PennyMac ( Morgage co. ) the letter stating that i am tax exempt from XXXX tax assessment office. I also gave the letter to township office and school tax office. I also keep a copy for myself as i was told to do so from XXXX tax. From that point PennyMac sent me a check in the amount of {$2100.00} dollars. At this time PennyMac contacted me saying that my new Morgage payment was now XXXX dollars, which i paid the following month ( XXXX ) In XXXX of 2022 XXXX sent me a bill that my Morgage is now XXXX. Which i contacted them to let them know that i was tax exempt and that my payment was XXXX then the next day they called me back and stated i was NOT tax exempt and took my taxes up to XXXX. Since then, we have gone back and forth numerous times to resolve this issue and each time telling me i am not tax exempt, I have even had the tax office of XXXX County send me a copy of my tax exemption which i then forward on to PennyMac. Grant you before all this started my Morgage was XXXX. Since then, i have had three or four different Morgage quotes from PennyMac. Need your help please. Thank You XXXX XXXX
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (HI)

On XX/XX/2020 I recieved a letter from Unifin, Inc. indicating I had a past due account. They are attempting to collect a debt that the statuate of limitations has expired. They have represented in a deceptive way that the debt is still owed. They have placed the notice that the statuate of limitations has expired on the debt on the back of the first page of their letter. They further have placed the print indicating that there is a second page in an area that makes it easy to not notice it. This is very obviously an attempt to comply with the law while attempting to conceal important legal information from consumers.
Consumer complaint received 2020-08-27
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN AND MY ID WAS ALSO STOLEN. I AM BEING FURTHER VICTIMIZED BY THIS BEING INACCURATELY REPORTED ON MY CREDIT PROFILE.
Consumer complaint received 2022-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

Hello to whom it concern. On XX/XX/2022 a fraud inquiry was placed on my XXXX XXXX and XXXX  report.. So before the matter can be resolved, the told me to go through this step in order to have the inquiry removed. I don't have knowledge of this inquiry from Capital One. So I'm disputing this as fraud.. So XXXX  and XXXX  refuse to lift the inquiry without this letter.
Consumer complaint received 2020-09-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (GA)

I contacted GM Finance in regards a debt that should not be pending. Their response is it didn't go through to be removed from your credit report. We will contact our department to get it removed and I should receive documents in the mail. However its been pending for a few years and is actually showing debt being paid.
Consumer complaint received 2022-06-10
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. (GA)

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. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # 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 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (IL)

Hello, I requested to have this account closed and brought the balance to XXXX  to allow the bank to close it. As requested, PNC did not close the account and cause it to accumulate {$25.00} fees for two months, then they decided to closed it and send it to collection. They never bother to call me about this. 

This affected my credit score. I am about to refinance my home this damaged my score. My credit score was over 800. 

I asked them to close the account in writing, through the messaging system. It's unacceptable they denied my request and allowed fees to accumulate. 

I want them to grant my previous request in writing, through the messaging system, to close the account, the request was done before the account collected any fees, then, they need to correct the derogatory remarks on my credit score.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX. Validate Account XXXX Account Number : XXXX This Account is Inaccurate and I'm seeking litigation please delete at once XXXX. Validate Account XXXX Account Number : XXXX This Account is Inaccurate and I'm seeking litigation please delete at once Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information
Consumer complaint received 2022-09-20
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-08-27
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN AND MY ID WAS ALSO STOLEN. I AM BEING FURTHER VICTIMIZED BY THIS BEING INACCURATELY REPORTED ON MY CREDIT PROFILE.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

We have been trying to get a credit report from Equifax since XX/XX/2020. We have faxed our documents 3 times, but Equifax is refusing to release our credit report. They are claiming they never received the documents, but we have proof of all three times the documents were sent. We can not get our home loan without this credit report. We are about to lose our contract with our home offer because of this. The other 2 credit bureaus released our credit report with no issue, so it is only Equifax. 
We have called customer service over 5 times, and all they say is they haven't received our documents.
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit managemnent calls and has sent a letter stating that I owe them XXXX. I have told them numerous times that this account theyre calling about is not mine and I have never applied for them. I have spoken to them multiple times about invistigating this as fraud. They sent a letter that says attorneys are going to sue me for this debt. I dont know what to do and I need help.
Consumer complaint received 2020-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Credit Management, Inc. (AR)

Over the past several months I've attempted to resolve wrong/inaccurate identity theft related accounts with a company called Access Credit Management. I have reached out via direct mail with both the three major consumer reporting agencies and directly with Access Credit Management. I've included a copy of an identity theft report # XXXX, affidavits, and dispute letters. In addition Access Credit Management continues to violate the Fair Debt Collection  Practice Act and Fair Credit Reporting Act under Arkansas by attempting to collect on Medical Debt more than 2 years old. I also requested HIPPA release documentation which was never provided by Access Credit Management. Despite these several violations of my consumer rights, these fraud related/inaccurate accounts continue to appear on my credit reports. I find these actions unacceptable and Access Credit Management must be held accountable.
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Vital Solutions, Inc. (WA)

Hi, For a long time I have been experiencing harassment on the phone with calls all day long. It is Vitaly Ricovery who calls me to try to collect a debt which they are not able to validate. In fact, on XX/XX/XXXX, two weeks after they contacted me, I sent them a debt validation letter. They did not properly validate the debt as required by law, so on XX/XX/XXXX, I forwarded a second letter asking them to validate the debt he accuses me of. They haven't sent the letter since XXXX, but I was surprised at the beginning of XXXX, three months ago, that Vitaly Recovery resumed with calls. It's too much now! They are unable to validate the debt and that does not give them the right to harass me at any time on the phone. I don't even recognize this alleged debt. I have attached the receipt return service requested as a proof they received my debt validation letter.
Consumer complaint received 2020-08-27
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. (MI)

Status history from 20 accounts deleted from record while account is showing " CLOSED '' and they are still charging interest. Status history dates back to 15 years, status history shows all accounts are " PAID '' within student loan database. 

attached as proof
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time Bank of America continues to tell XXXX, XXXX and XXXX that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.
Consumer complaint received 2021-10-14
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. (NJ)

I sent in a letter certified every 60 days certified with a copy of my social ID bank statement and FTC report. It's been 8 months and nothing been done. my last certified letter was sent in on XX/XX/2021. I sent in copies of proof of my identity and the letter they should have on file already.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXXXXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

The credit reporting company and XXXX XXXX XXXXXXXX have argued and yet to fix the problem. XXXXXXXX XXXX XXXX has not updated my payment history since XX/XX/2020 and I continue to call daily and they continue to tell the bureaus there is no problem. There is a high balance of {$7600.00} when the credit limit is {$1500.00}. The payment history shows I have paid {$0.00} every month which is absolutely not true.