davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I am writing to you to file a complaint against PenFed Credit Union and the administrators of my mortgage and escrow accounts. Due to the mishandling and miscalculation of my property taxes, there is a substantial increase of my monthly mortgage payments. In late XXXX, or early XXXX, I received an Escrow Account Disclosure Statement letter stating that my mortgage would increase from {$1600.00} to {$2100.00} effective XX/XX/year>. This is an increase of {$520.00} a month. 

I called PenFed and spoke to a couple representatives in the mortgage services department only to find out that there were numerous mistakes made and due to their error and negligence, and also an increase in my property taxes and slight increase in my Home Owners insurance, I feel I am being penalized for their total disregard of my finances and the mishandling of my account and have been unprofessional during this entire ordeal. 

I would like your organization to conduct a thorough investigation of my account, and for someone to look into my escrow account and explain why I must pay an additional {$520.00} per month to cover all the increases and the depletion of my escrow account which I can only place the blame on their negligence and incompetence of their mortgage service team for the mismanagement and miscalculation of my escrow account.
Consumer complaint received 2024-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (CA)

Currently my estimated equity is over the required 20 % needed to remove my PMI, I asked my lender to remove it Since we are above the 20 % but they will not, They advised us that is mandatory for the 30 years of the Loan, We need it removed to alleviate the PMI cost of {$390.00} extra per month that will help us mange our Mortgage, Currently we have not been late on payments, but it is getting More difficult due to cost of Living.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

Fraudulent purchases were made on my account, I have tried to get proof so I can know who made these purchases in order to file a police report, this has been going on over XXXX  years and Discover continues to report negative information on my credit report which is over the XXXX  year limitation to report negative information. instead of helping me resolve this matter, they have chosen to ignore my letters asking for proof of debt
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I am an existing customer and currently hold a savings and credit card with this bank. I took an offer to open a checking account with them and enrolled as of XX/XX/year>. I never received the debit card as of today and didnt need to access the funds due to the offer of opening a checking account and making 2 deposits within a certain period the bank will give you {$300.00}. Which I did, I set up my paycheck to be direct deposited into this new account to fulfill the requirements for that {$300.00} incentive. As of yesterday, XX/XX/year> I needed to transfer funds from this checking account to my other bank account with another bank and got the access blocked message when I click submit. I called today XX/XX/year> at XXXXXXXX XXXX EST and spoke to a representative who would not proceed with assistance unless I provided the debit card number. I explained that I hadnt received it and didnt really need it since wasnt planning on using it. Representative then advised she was not able to assist and I needed to mail a letter requesting a debit card replacement and request that it be expedited. I then spoke to supervisor and explained everything and was told the same thing that they were not able to request an overnight replacement card and couldnt verify me any other way besides debit card. Also, they are not able to tell me why my access is blocked from transferring my paycheck funds in that checking account to my other bank. That is my rent money and now I had unexpected repairs on my vehicle that I need to pay by tomorrow for the dealership to release it and am not able to transfer funds out of my checking account with my two paychecks in there. They blocked my account with no explanation, they make it extremely difficult to get a replacement card unless you mail a letter. We are in modern times and the ease of access to our banking accounts is extremely concerning. I have no way of accessing my funds.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I am a XXXX XXXXXXXX and I subcontracted a portion of the job that required a license. On XX/XX/year> and XX/XX/year> I sent a company called epoxy plus a total of {$2000.00} through a XXXX transfer from my Truist bank business checking account. I later learned the owner of XXXX XXXX is not licensed and he cost me the job due to his incompetence and damage he caused on the job site. I filed a dispute with Truist bank and have given them contracts and other documents that pertained to the job. I explained what happened and I even found out that the owner of epoxy plus was just released from prison where he severed time for drugs and fraud. I even sent that to the Truist bank but they still denied it. I was credit exactly XXXX dollar which i found very insulting. I asked on two separate occasions to speak with a supervisor and never got to talk to one. I was placed on hold for over XXXX minutes and this was during normal business hours. I have been in business a few years now and I have had disputes I made validated without question and if i was wrong the bank would take the money back but Truist bank seems to me will not validate any claim no matter what. This was a serious setback for me and my family and Im writing this as a last attempt to seek some justice or at least part of my money back. Im hoping this will help. 

Best Regards XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit 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)

Using the credit card Capital one we have been a loyal customer for many years I had booked a flight on XXXX XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX  for XXXX adults on XX/XX/year> amount {$480.00} then canceled on XX/XX/year> due to my elderly father showing symptoms of XXXX XXXX I first contacted XXXXXXXX XXXX  on the XX/XX/year> by phone to cancel, at this time I was told by XXXX XXXX  I waited to long and they couldn't refund my transaction, they told to to call my credit card company Capital one, so I made a phone call to Capital one the same day XX/XX/year> I called minutes later to claim this dispute, I was told not to worry this happens all the time, the airlines will refund Your money, later that week I received a letter explaining this dispute is temporary resolved. CASE NUMBER XXXX So at this time I assumed this dispute was resolved. later that week I received a bill with the full amount still owed to the credit card company, so I called Capital one and they told me to send documents to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX so I sent photos of the chat on line with a XXXX XXXX  employer showing I had the cancellation weeks before the flight, and days later I was told we still owe the money. my name is XXXX XXXX
Consumer complaint received 2024-10-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: BSI Financial Holdings, Inc. (WA)

Due to XXXX, I fell behind in my mortgage payments and back ended {$46000.00} in payments. BSI Financial picked up the loan and put a partial lien on my house. On XX/XX/XXXX, the full amount was paid off through a cash out refinance loan. BSI Financial did not submit a release of the partial loan until XXXX of XXXX. 20 months after it was paid off. My refinance is now on hold because of their actions. I have asked for an explanation but no one is responding.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) (
1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this XXXX  should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the XXXX  still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measre of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installment
s to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation o
f these records.

Cc Consumer Financial Protection Bureau. Cc Attorney 's General Office. Cc XXXX XXXX XXXX. Co State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptrollen of the Currency. Cc Federal Reserve System. XXXXXXXX XXXX XXXX XXXXXXXX. XXXX Federal Trade Commission. Cc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Not trans union XXXX XXXX XXXXXXXX Trans union only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-08
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. (SC)

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Registration Rights Agreement. XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX XXXXXXXX XXXX that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (IL)

My mortgage is held by XXXX XXXX XXXX XXXX in XXXX Illinois, but is serviced by LoanCare of XXXX  XXXX, VA. I scheduled a payment through the mortgage servicing company 's online portal for {$2400.00} to buy paid on XX/XX/XXXX. On XX/XX/XXXX, I cancelled that payment online and received an email confirming that the payment was cancelled. Believing that payment was cancelled, I scheduled a new one for XX/XX/XXXX for {$1200.00}. I had a change in circumstance and cancelled that payment on XX/XX/XXXX. Again, I received an email confirming that my payment was cancelled. On XX/XX/XXXX, the {$1200.00} was withdrawn from my account. On XX/XX/XXXX, {$2400.00} was withdrawn from my account. Now, my account is overdrawn. I still have a payment scheduled for XX/XX/XXXX for {$1200.00} that I also cancelled on XX/XX/XXXX. They are telling me that payment will be processed also. 

I reached out to the company on XX/XX/XXXX to have the funds returned to me since they are needed to pay other bills. At that time I was told that online payments have to be cancelled 3 full business days before their scheduled payment date or they will be processed despite the confirmed cancellation. I asked where this information was available to the public and was told that it is internal information that is not shared with the consumer. This is clearly a deceptive practice meant to materially harm the consumer and mislead them about the ability to cancel a payment. 

Their policy is that I must show them proof that the funds were withdrawn from my account ( even though they know they have the funds ). Once I provide the proof, then they will take 5 business days to process my request. At the time, they will mail me a check for the funds that they illegally withdrew from my account. This is a stalling tactic that again is intended to materially harm the consumer and deprive them access to their own assets.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello I've provided more than enough details to you guys proving that XXXX  XXXX account was fraudulent and the XXXX XXXX inquiry doesn't belongs to me. I never authorized any of these items. These items are still coming back as verified when i do not own them.